WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting documents to show proof of error reporting on my Experian credit report. This is directly from FICO report purchased on XX/XX/XXXX. As you can see my student loan shows paid on time on my XXXX and XXXX report but Experian is showing 150 days late. Also Experian is showing a paid collection that has been deleted from XXXX and XXXX reports. I was denied credit today due to these two inaccuracies. I truly believe Experian is not investigating these disputes because it shows last activity of no date where equifax shows last activity dates of XX/XX/XXXX and XX/XX/XXXX. 
The last complaint I filed they referred to a mortgage and I do n't have a mortgage and never have. It just seems like they keep making excuses not to really investigate these inaccuracies.
On XXXX XXXX 2015 i applied for a credit card with XXXX XXXX. The application was denied and the rejection email that i received, stated that their decision was based on information they had obtained about me from Equifax. I decided to check my Equifax credit report and found a massive list of prior addresses that do not belong to me. The only way Equifax could have received those unknown addresses are from old collection accounts that were improperly reported years ago. There is also a ( fraud alert ) listed on my Equifax credit report which i did not give my approval for them to add. I have disputed the unknown addresses and Equifax refuses to remove them from my credit report. They also refuse to remove the fraud alert which should not be on my report at all. The only address they should have on my file is XXXX XXXX XXXX XXXX XXXX. The only phone number they should have on my file is XXXX. I want the inaccurate information removed from my credit report. Everything else on my report is accurate.
There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending.
In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them my information.
Experian XXXX is reporting collections and wrongful information on my credit report. 
I was employed at XXXX California from XXXX XXXX till XXXX XXXX. 
I retired from XXXX on XXXX XXXX, on XXXX XXXX XXXX. 
I was not Retired or employed by XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX. 
I was only a volunteer XXXX of Directors. 
Also why Experian.XXXX allowing creditors or companies running my credit without my consent. 
I have over XXXX unauthorize credit inquiries on my Experian.XXXX that are Hard pulls and is destroying my credit scores. 
I have credit scores with Experian.XXXX in the XXXX.l can not obtain any credit to help my daughters education for college tuitions because ExperianXXXX Credit Report and negatives collections and inquiries. 
I have disputed various occasions and Experian XXXX plays hardball. 
I am been Retaliated and Discriminated as a XXXX Veteran. 
I also requested for Experian XXXX to immediately remove and delete the Fraud alerts on my credit reports and they have not deleted as of XXXX XXXX.
We have account with Ocwen Loan Servicing. We applied for a business loan and was turned down because XXXX reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is Ocwen that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We own a small business we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our  personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it Ocwen or XXXX or both. We have never had a problem like this. Hope you are the right place to go.
I have loans with Navient and I the repayment options are impossible. I do n't see how the repay is this high, the interest is high as well. I feel that Im being over charged. The constant harassing calls, emails, and letters are out of control
On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.
Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Credit Bureau of the South called me very rude she didn't explain anything but gave me amount of two bills a water bill of a resident that I never lived I tried to explain that to her and she continued to say how do you want to pay. I told her I would not pay over the phone and she stated that okay I will tell them what you stated. She was very unprofessional to the point that I would never want to pay anything to their Bureau especially over the phone I wouldn't trust them. I never heard of them so I did a XXXX search they also had very bad reviews by other customers as well. If I owe any money that's perfectly fine but the way that you treat your customers is Despicableif I owe any money that's perfectly fine but the way that you treat your customers is despicable.
This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.
Synchrony Bank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Mortgage Loan Number XXXX In 2003, my wife XXXX and I received a mortgage for {>= $1,000,000} at 6.5 % interest from Wells Fargo Home Mortgage Company. Wells Fargo Home Mortgage Company promised they would refinance our mortgage when the mortgage interest decreased by 2 % or more. Since inception of our loan, we were denied numerous times by Wells Fargo Home Mortgage Company to refinance our mortgage. They have used the following illegal tactics to avoid refinancing : 1. Refusal to accept written applications for mortgage refinance. Instead, will only accept verbal applications ( Inquiry ). Thereby, covering their trails of mortgage refinance denials. 
2. Listing refinance denials as application withdrawals to disguise mortgage refinance denials. 
3. Company management purposely put into place a plan to deny refinancing of jumbo mortgage loans, with the intent to exhort the excess mortgage payments to increase company profits, and executive bonuses. 
4. Company management purposely put into place a plan to cancel all jumbo mortgage loans held by racial minorities considering these loans as unacceptable risks ( Received this information from a confidential source within the company ). 
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But, could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then, they only agreed because we continued to write to their Board Of Directors complaining of their unfair and illegal practices. 

We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period.
I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.
I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, XXXX
Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection laws.
On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.
On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.
Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.
On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX   mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
We received the first letter of payment owed on the disposition fee of a returned lease vehicle on XX/XX/XXXX by mail. They started harassing phone calls on XX/XX/XXXX. So they only allowed 15 days to pay a bill and then started calling work, cell and home, twice a day. I told them I would pay the bill as I always have and that we have NEVER been late. They continued to call everyday, multiple times a day. 
When I tried to explain that I think they are being a little aggressive for a customer that has 2 leased cars with them, has never been late and who just received the invoice, they didn't care and basically accused me of not wanting to pay. 
Rest assured the 2nd leased vehicle WILL definitely be turned back in and we WILL NEVER lease with XXXX or Toyota again!!!!
XXXX XXXX XXXXXXXX XXXX XXXX  is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXXXXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXXXXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE