WillisBack/dataset-financial-user-claim huggingface dataset:
I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it  is displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX  County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.
Transunion was sent a letter in regards to a pay to delete debt to  XXXX   XXXX   XXXX  dispute #  XXXX . They refuse to delete this collection from my report, when by law if the creditor agrees to pay to delete, then Transunion is obligated to delete this collection, not just {$0.00} the amount.    XXXX   XXXX  sent letters to Transunion in regards to closing this account as well.    XXXX   XXXX  Bank also reported to remove account and this has not been corrected either.
I went to XXXX Cybersecurity website on XX/XX/XXXX see if my credit report was impacted and it was according to XXXX Waited until XX/XX/XXXX to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XX/XX/XXXX called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know  anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have 32 great open accounts with 100 % payments and over 100 credit inquiries from same companies In short time spans. I disputed these inquiries in XX/XX/XXXX confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Hopefully you can restore the value of my gifted  XXXX   XXXX   XXXX  program {$100.00}  XXXX   Visa  gift card back to $  XXXX . I selected this card ( attache d ) a  year or so ago and, like many gift card users, the card was forgotten in a drawer. I found it on  XXXX   XXXX ,  2017  and noticed that it had an expiration date of  XXXX . I noticed on the front of the card that it says Funds do not expire so I called the  XXXX   XXXX  number on  XXXX   XXXX ,    2017  to get a replacement card. The call center advised me that a replacement card would cost $  XXXX  and that the balance on the card was deteriorating at a rate of $  XXXX /month after the  XXXX  date for card maintenanceso my replacement card would now be worth $  XXXX !   Needless to say I was shocked since I received no warning ( no mail, email, phone calls , etc..Im not su re what other maintenance is involved ) that my $  s  were evaporating ( or being stolen  XXXX  ).     Would you please help me get my $  XXXX  restored?     Thanks for your help!
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain
Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.
I have been attempting to file disputes online with Equifax since XXXX of XXXX and filed a complaint with the CFPB in regard to this issue. 
I have received a copy of my credit report, via USPS, and spoke with someone at Equifax yesterday to find out when information would be deleted from my credit report. 
I found that XXXX XXXXXXXX XXXX XXXX is inaccurately reporting data and not showing a complete historical account information section on my credit report for the " DATE OF 1ST DELINQUENCY ''.

The date of 1st delinquency reported is XX/XX/XXXX, but the " ACCOUNT HISTORY WITH STATUS CODES '' shows XX/XX/XXXX. 
This account was opened in XXXX of XXXX. 
The date of 1st delinquency should have been in XXXX or XXXX of XXXX. 
I have previously disputed and sent numerous letters to XXXX XXXX XXXX XXXX in an attempt to retrieve all accurate information for review and to date, still have issues with this account. 
I believe that this is an attempt by XXXX XXXX XXXX XXXX to re-age the account for reporting purposes in violation of the Fair Credit Reporting Act.
I entered into a 5 year mortgage agreement i  n  XX/XX/XXXX  in the  amount of {$130000.00}. The agreement stated after 13 months any or the entire principal may be repaid at any time without penalty. In  XX/XX/XXXX  I paid the loan off by refinancing with another company. At that time Escrow, inc., the administrator of the loan, charged me {$100.00} payout fee, {$670.00} service fee, {$75.00} close out fee, {$15.00} VOM request, {$30.00} for 2 history fees, {$75.00} for 3 payoff fees for a total of {$970.00}. The loan only had 17 months left to payoff and they were paid {$17.00} a month for billing fees. If I would have paid the loan in 5 years they would have received {$280.00} in fees but by paying off early they charge me the {$670. 00}.
To the officials at the CFPB : On XXXX XXXX, 2015 I disputed a lien that was withdrawn and removed from my name in XX/XX/XXXX by the XXXX XXXX Recorders Offices as my application for withdrawal was accepted by the State of California. Account XXXX needs to be deleted from my credit file and Experian has verified it and updated my credit report in the matter of only XXXX days and has not sent me any paperwork or verification showing what they verified and how they verified this item with the XXXX XXXX Rec. Offices. I do not believe that they conducted a proper investigation and they have not sent me my requested descriptions regarding the information which they claimed to have verified. This item is not supposed to be reflecting on my credit report and now I am being denied credit and a better rate on my balance transfer cards with XXXX bank as they were relying on the removal of these liens by Experian to approve my credit lines. They are causing me so much stress and they are affecting my very existence! I attempted to call their executive offices and was not able to reach a live person. The XXXX devision has told me that they forwarded removal of invalid Lien slips to the XXXX bureaus. I wonder why Experian has not updated like the other XXXX have? Please, I need the help of the CFPB because this item is illegally reported and not valid and was paid in full immediately and sent to the recordings office before its due date which caused a record in the system, but this has since been removed from my name after the release and the withdrawal of the lien. This was a mistake by the offices and if Experian conducts an in depth investigation they will se that this account in not in archives nor is it verifiable or accurate os of XX/XX/XXXX. Please please can your agency help me? I have also filed a report with the FTC and the XXXX once I received a notification that they had verified it and sent me absolutely NO evidence of how, when and why! I do not understand how they even conducted a through investigation so quickly! I do not understand, this is my livlihood! I do not feel like an investigation was even conducted. This public record item is ruining my life I am only XXXX years old, they have no idea how much this is affecting me. The State does not allow bureaus to report join their behalf with inaccurate information. No one at the recorders office has been contacted by this company and the account is not verifiable as of XXXX 2015. Please this needs to te deleted immediately so I can finally breathe. I worked for years to work to get the state to see the mistake that was made as the amount was paid years ago before even being transferred to the XXXX XXXX recorder offices in XXXX, California. Can you please ask them to conduct a new investigation immediately? I read on XXXX that you guys help people in need to get these invalid liens deleted! Please, i need you help.
I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.
Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. 

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX  has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 
2. it is stopping me from establishing good credit. 

I have also contacted via letters the creditor directly so they can also verify this account. 

Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX
My prior student loan provider was XXXX. I had an amazing loan rate. Unfortunately, my student loan was sold to Navient. Immediately, I provided information for automatic payments from my bank account ( XXXX XXXX XXXX XXXX, XXXX   ). When I was with XXXX  ( since 2003 ), I NEVER missed a payment and had automatic payments set up. Since the switch, I have talked with Navient representatives several times. They have promised their error was fixed. I have gone online and logged in to be sure my account was set up for automatic payments from XXXXXXXX XXXX. Again, each month, I receive a notice that I haven't paid and that my payment is overdue. Again, I call and confirm that everything is correct and in place. In my honest opinion, I feel like Navient is attempting for my loan to become overdue so that I have a much higher interest rate applied or I acquire fees. I have contacted Navient ( which is very hard to get ahold of someone as well ), and I feel like it is to no avail. I need Navient to set up the automatic payments as they have confirmed is already done correctly. This is starting to feel like a scam. Thank you.
As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.
We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.
I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on  XXXX / XXXX /  XXXX  . I hired a realtor on  XXXX / XXXX /  XXXX  . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused  to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen  sold my  2nd  mortgage off to  XXXX   XXXX  during all of our selling processes. My realtor got a  3rd  cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the  3rd cas h offer was for {$85000.00}. In the end,  Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do  by Ocwen.
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
I have received several letters from these people that, to the untrained eye, appear to be official documentation from my county. It even says " The Peach State Georgia '' in the top left corner and from " Accounting '' on the front page. I have called them and requested to be taken off whatever mailing list these scam artists have me on and they told me they would n't do it. I am reaching out to you in order to put these scam XXXX in the ground.
I disputed fraudulent accounts on my credit report with Experian, XXXX and XXXX in writing twice. I requested that Experian, XXXX and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. 

Thank you for your help
In early XX/XX/XXXX I received notice my mortgage payment would increase from {$1300.00} to {$1300.00} because my escrow account had insufficient funds - this made sense based on an insurance company change and a check that was sent to me. At the time I didn't understand why I was receiving the check and should have called the mortgage company, so again this increase for XX amount of months was understandable because I deposited the check and should've sent it back to be deposited into escrow. I believe the issuance of a check to me was a mistake by the then servicing company of the loan. 

In XX/XX/XXXX I received a notice from the new company over my mortgage, New Rez Financial, that stated my mortgage would be increasing from {$1300.00} to {$1500.00} because of insurance and tax changes. My insurance rate for the year increased only about {$120.00}, or {$10.00} per month, so a {$190.00} increase is outrageous. I called the county where I  reside, XXXX County, and they stated an increase of that amount is out of the ordinary. When I contacted New Rez Financial they were unable to explain exactly why the amount increased like it did, other than pushing the explanation off on XXXX County and saying " your taxes went up ''. 

I need a detailed description and breakdown of why New Rez Financial is attempting to raise my mortgage payment ( starting XX/XX/XXXX ) by so much money. I'm already paying {$35.00} more per month over the course of the last 12 months and an increase of an additional {$190.00} is not acceptable.
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.