WillisBack/dataset-financial-user-claim huggingface dataset:
I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.
I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
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Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.
I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.
Experian Report # XXXX for XX/XX/18 Experian has under notices page 19 of 20 this address may be perceived as a high risk. was used as a mail drop or a delivery service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not none of what Experian has or says. I have for the past months to get Experian to Delete/Remove this. This address is an high end apartment address. Experian has not provided any proof of there sayings or any documented proof or any thing of substance regarding this matter. Experian has had months to clear this matter up. Experian keeps putting or adding information on my credit report that is not mines and Experian does not have or documented proof of there gathering of information and the errors in which has no merit in any way of there findings to the said address.
I have not received any rate reduction information, my loan has not gone down since my start day of payment, which was back in XXXX. 
After numerous phone calls to Navient, and put on hold and put on hold for extended time ( 30 or more mins ), with every phone call if I was not cut off completely. All my loans were variable and taken out between XX/XX/XXXXto XXXX. My loans were with XXXX XXXX, which were then sold to Navient. 
Since XXXX I have yet to receive any rate changes to my loans, with one as high as 12.75 %. Every time I ask for a supervisor I am cut off.
Toward the end of XXXX, mail was stolen from my mailbox. My mail, including several credit card applications, were found in the home of a man they arrested for drugs. Before the arrest the individual had already initiated an unsolicited application from XXXX XXXX for a {$300.00} card. In XXXX XXXX, I started receiving statements for the {$300.00} plus late fees. I explained the Post Office notified me of the theft and the card was not requested by me, and I asked for XXXX XXXX to provide the application with my signature. They refused to provide any documentation. Around XXXX, the debt was transferred to Portfolio Recovery Associates. I explained the theft to them, requested documentation showing my signature ( or proving it was falsified ) and they refused to provide any documentation. I requested this documentation by phone and also by mail. Nothing has ever been provided, except random statements showing a debt of {$1500.00}. The calls and mail have continued for more than 13 years. The mailed documents state, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This statement demonstrates the relentless calls are unfounded and nothing more than harassment.
My current minimum due was {$25.00} a month for my Jcpenny 's account. I submitted payments on time. Jcpennys changed the terms of my account without informing me in writing in XXXX XXXX. They then accessed late payments, which increased my monthly minimum payments. Despite my continuous payment of my account, I was still considered delinquent. I requested for my account to be removed from electronic statements. My account is still enrolled in that billing process. Electronic billing eliminates hard copies, which eliminated me receiving my updated terms. In addition to those issues the late fees caused my account to be reported delinquent on my credit report. I am expected to pay {$120.00} for a bank error on XXXX. My account was paid on time, but my terms were changed without proper written notice.
My name is XXXX I reside in XXXX California my family and I have been living here for several years XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship In addition I lost my full time job due to the care I had to provide to my wife I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it become a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me any where it was to no avail I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method their process for a loan modification and for denying me the ( HAMP ) - Making Home Affordable Program after I was assured I would be eligible if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan I believe this is clearly a violation of the HAMP program code 113 HAMP Tier 2 Eligibility and XXXX Additional Factors Impacting HAMP Eligibility and the program codes 31 & 32 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 and I fall within the aforementioned guidelines Furthermore I strongly believe Wells Fargo Home Mortgage is not in compliance with the government standards and the Security Exchange Commission regulation and codes, therefore I ask that you apply your regulatory authority and open an immediate investigation and re-evaluate Wells Fargo Home Mortgage policies and their process Wells Fargo got BAIL OUT to help home owners difficult times with the loan modification process setup by our Government I consider Wells Fargo Home Mortgage to be a deceitful, fake, unprofessional Lender their lack of willingness to assist home owners in times of crisis and desperation I evaluate them to be a poor customer caring lender or servicer Wells Fargo Home Mortgage has demonstrated we are insignificance to them no customer value or respected toward the homeowners at all
XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. 

However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. 

I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.
I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
Back in XX/XX/XXXX a number of accounts were deleted from my reports per Credit Karma and replaced back on. With this happenng my scores down over XXXX points.
In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. 

A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. 

It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. 

Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't  until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. 

This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. 

I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. 

I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. 

Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.
On XX/XX/XXXX Nelnet customer service sent a changed update to my deleted student loan after my student loan complaint had been notarized by my bank XXXX XXXX XXXX I disputed and had this student loan with University XXXX XXXX confirmed paid in full and removed after seven years ago. It was not signature forged issues and Nelnet did not get caught trying to say I had signature forged as a identity theft claim. The XXXX Federal Education Loan Program confirmed by representative XXXX was no longer owed to Nelnet that bill was removed that I agreed to on audit electronic signed XX/XX/XXXX. This still caused Nelnet to want some kind of forged signature notarized issue from me or appeal a denied identity theft claim submitted and on their recorded line they stated takes thirty days and would process no sooner than at least fifteen minimum days and they illegally authorized a XX/XX/XXXX and XX/XX/XXXX electronic letter from Nelnet customer service team. I want this student loan removed because they illegally authorized it to me on XX/XX/XXXX I already switch my enrollment to XXXX University to keep from being billed by the University XXXX XXXX. The FTC filed a report against Nelnet that was mailed to them from student loan error caused to me after I disputed Nelnet account student loan XXXX acccount with their company for over seven years. Nelnet supervisor explained to me to get a lawyer to have this loan removed and that the University XXXX XXXX never reported I disputed and had it removed and XXXX the financial aid department confirmed to Nelnet XXXX that I did not owe FFELP student loan I agreed to it was not on file the Nelnet supervisor lied and so I am sending over this CFPB because I never said that it was being scammed by signature issues and would like it removed due to even those reporting errors Nelnet caused me in XXXX after my dispute was accepted by fair credit reporting act and equifax been removed this nelnet account and XXXX disputed Nelnet reporting errors because I did not owe Nelnet anymore payment arrangement and income driven payments I want a letter from Nelnet collection department that it removed from disputing I did not change from a deleted student loan request for XX/XX/XXXX.
On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.
My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX   with no successful resolution. Experian only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.