WillisBack/dataset-financial-user-claim huggingface dataset:
While trying to refinance we discovered that ExperianXXXX and XXXX all had the incorrect bankrupcy discharge date recorded ( XXXX ). The correct date is XXXX/XXXX/XXXX. Once I sent the correct court ordered discharge with that date on it to all XXXX, XXXX and XXXX changed it within 48 hours. Experian did not. I also sent Experian the court ordered paper showing that the court made a mistake and to vacate the order for the XXXX discharge, that the court ordered discharge for XXXX/XXXX/XXXX is the correct date. I have called Experian 9 times, each time explaining the issue, making sure they received the documents and explaining that we can not close without this information being changed. I have been hung up on, promised to be called back by a supervisor, and promised to be called back a manger above the supervisors. No body ever gets back with me. They say they have 30 days and have no empathy for my time constraint regarding closing on my refinance. Also there are XXXX mortgages in my file that are coded under payment history as XXXX. Which shows up in automated underwriting as a charge off foreclosure and not a bankruptcy. I even uploaded a screen shot from my mortgage company for Experian to see and they say they can not see it on their end. I am so frustrated because I feel their level of customer service and caring in nonexistent. Not only am I concerned that I will not be able to close in time to keep a lower interest rate but have no confidence that these issues will be corrected.
a public records judgment was prematurely placed on my file and equifax continues to verify it even though the court has removed it from my records and my name. it needs to be removed because it was an accidentally placed and is no longer valid. i keep asking them to verify it and show me proof and they refuse to provide any proof of any investigation. this is illegal. i do n't know how they are verifying this and reporting it. they provide me general information on the courthouse which is irrelevant to any of the departments that handle my case. the court house has NO proof nor have they been contacted by the bureau for any verification.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK, XXXX XXXX Nelnet XXXX XXXX XXXX NE XXXX XXXX XX/XX/XXXX Regarding a Reported Delinquency To Whom It May Concern, My name is XXXX XXXX XXXX and my account number is XXXX. Thank you for this opportunity. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late with a payment. I had a XXXX XXXX XXXX, and my wife was seriously sick till now, but she getting better. 

Am the only one still working and providing for my family, wife, and kids. 
I have made all the late payment and my account now is in good standards, but the credit report still showing the late payment, and they are refusing to take it off, that is hurting my credit so bad, I when from XXXX now to XXXX. 

Am in the process of buying a home, found a home sign contract, now my credit is hurting me, the late payment that was reporting XX/XX/XXXX. 

I had been carrying a sizable balance for several months when I finally paid off the full balance of the late payment XX/XX/XXXX of this year. When I received my statements in XX/XX/XXXX and XX/XX/XXXX, I simply discarded them without even opening them because I assumed they would show a XXXX   balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 

I realize in retrospect that I should have anticipated that finance charge, and I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from anyone. 

my records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with the past two monthly payments since getting caught up. 

Thank you very much for your consideration, XXXX XXXX XXXX XXXX
I had opened a Citigold checking account XX/XX/2016 under the promotion of receiving XXXX XXXX XXXX AAdvantage points when completing the offer terms for the account ( total of {$1000.00} in debit card purchases and successfully completing a bill pay through the Citi service for ( 2 ) consecutive months ). I confirmed with Citi on XX/XX/2016 that I was enrolled in the offer. 

I completed the terms of the offer and a month later, I contacted Citi to confirm that I have done so. Citi confirmed that I had completed the terms of the offer on XX/XX/2016. 

On XX/XX/2016 I am now told by Citi that this offer never existed. They are now rescinding away from their terms and it is now evident that Citi 's business practices are malicious.
I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted
I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.
My experience with Quicken Loans was the WORST possible in all the years I have been dealing with lending institutions. While they did what they said they would do the whole process was inept and poorly done. They did NOT communicate within " teams '' in fact it seemed XXXX team had no idea what the other team had done or had informed me about. Additionally I was run around on XXXX problem which was not a problem if anyone in their title department was able to think independently. This alone caused me aggravation, anxiety, and a lot of wasted time. The bottom line is as long as I have a choice I would NEVER use Quicken loans again nor would I recommend them to ANYONE. I did everything they asked in a timely manor, yet ; they managed to " XXXX '' things up and have multiple people you have to deal with making the whole situation a MESS.
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX
I've sent two dispute letters to Experian disputing two accounts under the name XXXX XXXX XXXX These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO Experian, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks
My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX .I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
I recently sent paperwork from a creditor stating they would delete a account because it has been satisfied .... two out of three credit bureaus complied I AM ASKING TRANSUNION COMPLIES AS WELL and again am resubmitting the letter
In XXXX 2014 I was the victim of credit card fraud XXXX. XXXX my cards were impacted by this fraud, which was reported to the XXXX Police with the assistance XXXX. XXXX of my credit card companies accepted the fraud complaint ( XXXX XXXX ) and the other denied the fraud claim, and is now essentially engaged in loan-sharking, since it paid the merchant guilty of fraud, and is now coming after me for the fraudulent bill. This company is Barclays, which issues the XXXX XXXX XXXX.
Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.
The company midland credit consistently keeps calling me XXXX everyday from XXXX again at XXXX then XXXX XXXX and XXXX or XXXX I consider this phone harassment. And i complained to the fcc about this in the past
I subscribed to Experian Credit Tracker When I attempted to cancel, I was notified that I needed to call a telephone number. No one picks up at that number.
This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Date : XX/XX/2017, car accident bill. 
Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, phone : XXXX. 
We were victims in a car accident on XX/XX/2017.  The other car driver was at fault. 
We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. 
We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. 

Thank you. 

XXXX XXXX and XXXX XXXX
While checking out online at both Walmart, com, and XXXX, XXXX I got offers for their cards. Nowhere within this offering does it name XXXX XXXX- yet they are the ones my application was sent to. 

1. They send a " letter '' : through a portal in your email- I had different computers and operating systems and neither could open this format- couldn't find any program that could. So I called them ( this was very difficult to reach them their overseas staff was unable to give the location of the main office nor any contact number- this was Walmart `` turn down ''. 

2. When I finally located them and asked why I was turned down- they were unable to disclose this information but did finally send a letter to my new address- after much proving who I was. The letter was nondescript and too general to pinpoint the reason for turn down. I know late pays were not the cause, and I know my credit FICO was @ XXXX. Maybe too short of a time credit history? 

3. After much demanding XXXX searching I contacted the person at the " Bank '' who sent me the turn down. I asked what the exact reason was ( this damages your credit! ) I was told that Walmart gives us the specifications and she was not at liberty to tell me. 
In other words there is room for discrimination w/o explanation. 

1.XXXX  fast forward another year credit score near 700 no late pays and checking out with XXXX, applied for credit with that basket of merchandise..Guess who XXXX XXXX and another turn down . Again I had to access a portal and the file was not known so I could not open - Now a XXXX XXXX computer! I did not bother with the stress of calling over the globe ... Only to be given general answers- such as late pays, low credit score, or maybe length of credit? And another ding in my credit courtesy of XXXX XXXX - but now I have a full 3 years of no late pays and XXXX score and I can not imagine.. 

If you allow credit card issuers to be general in individual turn downs then we will not know the parameters we are shooting for and we will be damaging the credit we worked so hard to build. Also it leaves room for discrimination.. 

Cross reference this complaint with my earlier complaint highlighting the credit freeze and ID theft that I did not place on my credit report?
Hello, Today XXXX XXXX representing Harbor Front Acquisitions, LLC contacted me and also called a relative of mine. XXXX XXXX left threatening messages on both of our voice mails and falsely claimed that he was calling in regards to a file assigned by the state. He also said that I had serious allegations against me. When I called XXXX XXXX back he explained that he was calling on behalf of XXXX XXXX XXXX and stated that they would pursue criminal charges against me if I did not cooperate. I explained to XXXX XXXX that I was unable to discuss this issue over the phone as I was at work and I requested that he send me information in writing. I also explained that I had no way to verify he was who he said he was. XXXX XXXX told me that the next documentation that I would receive would be in the form of a lawsuit. 

I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
My husband took out a reverse mortgage in order to get the mortgage they made us take my name off his wife because I was not XXXX which we did, my husband died ion XX/XX/2017, they started Forclosture on my home and it is set up for Sheriff sale on XX/XX/XXXX which my husband hasnt been dead a year yet, Ive tried to at least 10 times to allow me to get it in my name I am XXXX now Ive had NO success at all they are trying to take my home which I live in with a XXXX XXXX child, we owe {$97000.00} and home is appraised for {$200000.00} their is no communication within the company and I have spoken to over 10 different people and no one is helping or trying to help, I thought with an reverse mortgage they would at least Attempt to work it out. I am frustrated and they dont care!
I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.
I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  XXXX .