WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called XXXX and spoke with XXXX to file a fraud alert on my account after noticing several discrepancies on my credit report that I had recently pulled from all 3 bureaus. I also mailed a certified letter on XX/XX/XXXX to XXXX and on XX/XX/XXXX they responded to me with my results of their investigation which led to the discrepancies being deleted off of my report due to not belonging to me. On XX/XX/XXXX I sent a certified letter to XXXX and Experian to follow suit with XXXX  and remove the accounts listed I also enclosed a copy of XXXX investigation results so they can see it for themselves. However both XXXX and Experian responded on XX/XX/XXXX that they verified the accounts and the investigation was closed. I sent both XXXX and Experian another certified letter on XX/XX/XXXX asking for the accounts to be properly verified and to send me all documentation that they have in their files to justify their verification I also disputed the following inaccurate accounts and stated to XXXX and Experian, If they do not have any documentation in their files to verify the accuracy of these disputed accounts then to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. On XX/XX/XXXX Experian responded that they will not reinvestigate the accounts due to they were verified under the FCRA 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Yet they have not sent me any information showing that the accounts are verified. I know my rights and in the paperwork they sent me it clearly states that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted within 30 days reciept of my letter which neither XXXX or Experian bothered to do. I would like the following accounts to be DELETED IMMEDIATELY from XXXX : XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, ALL XXXX XXXX XXXX Accounts .... The following accounts to be DELETED IMMEDIATELY from Experian : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX , XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX, ALL XXXX XXXX XXXX accounts. Both XXXX and Experian are damaging my credit worthiness and reputation by publishing inaccurate information. I have disclosed both proof that XXXX properly verified the accounts and deleted them due to inaccuracies, also proof that Experian and XXXX violated my rights under FCRA failed to properly verify and deleted the information even once I sent the proof from XXXX that they were investigated and removed. I am submitting this complaint due to the lack of investigation on my first two original disputes with XXXX and Experian. This is unfair practices by a credit reporting agency with no concern with no concern for the credit worthiness of a consumer.
After XXXX 's security lapse I froze my credit account through an online automated system without the help of a real person. I have tried and tried and tried to speak to a real customer service representative at XXXX to temporarily unlock my credit but get nothing but automated responses. After an hour of truly agonizing and frustrating calling of various phone numbers posted, I got nowhere. I 'm sure you as the reader of this complaint have been in the same situation with some corporate giant. These companies must be held accountable and easily accessible since they control our lives. Please help force these companies to be responsible not just profitable.
I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.
Trying to use a " XXXX XXXX '' online calculator, I inadvertently submitted a request for mortgage brokers to contact me. QUICKEN LOANS immediately contacted me by phone. I told them it was premature because I needed to fix some things on my credit report, including waiting a few more weeks for some hard inquiries to go away after two years. I explained I did NOT want them to do a hard inquiry because it was premature. I explained the situation, because I was willing to work with them when the time was right. After my explanation, I asked " what are the next steps? '' The male person on the call ( there were two, one was female ) said the next step would be to pull a credit report, and I said OK, acknowledging that such would be the next step. I expected him to continue by giving me contact information that I could use when I was ready to run the report. Instead, he ran a hard report in direct contradiction to my express instructions. That hard inquiry is now on my report for two years, and has already negatively affected my credit. I told them to contact the credit bureaus and explain that it was their mistake but they refused. I am extremely angry because I have been working on my credit. I need to refinance and this will negatively affect me.
My wife and I possibly had our personal information leaked as part of the Equifax data breach this XXXX. We are taking legal steps to protect our information and finances. This is a notice that we are taking immediate and all available action. We have alerted XXXX for an initial fraud alert. We will be monitoring our accounts. We may enlist in a third party identity protection agency, not connected to Equifax, for further protection.
Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.
Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
I was unknowingly enrolled in Discover 's " Payment Protection '' plan when I initially signed up for the discover credit card in XXXX. This has resulted in over {$1000.00} of charges over the years, which has led to my account gaining a balance. They informed me they were emailing me biyearly to alert of my enrollment in the program, but the email did not specify that I was enrolled in anything, nor does it say I was charged for the program. This led Discover to offer reimbursement for the last 6 months of fees, but I do not believe their biyearly alerts were straightforward or clearly stated that I was enrolled in a program, paying for it, and as a result of my enrollment my balance was never going to be paid off by making minimum payments. I see no case where this program helps anyone, as it lead to my balance increasing despite making monthly payments for the last 5 years. It is predatory to a degree, and only hurts the consumer. 

I have not spent a dollar on this card in over 2 years, and my balance has gone from {$2600.00} ( XXXX-XXXX XXXX ) ; to {$2700.00} ( XXXX XXXX ), despite making payments every month.
My issue is with Synchrony Bank and the manner in which they manipulate my credit limit which impacts my credit score. For a short period they were more than willing to provide and increase my credit limit, far beyond what I needed. 

In the past year Synchrony Bank has closed 1 account that I had a XXXX balance on and had not used in approximately 1 year, reduced my credit limit and then closed an account the month after I paid off my balance and significantly decreased the limits of 5 other cards. 

I made 4 purchases, 2 tires, a washing machine, a new PC and a laptop for my daughter who was starting college that increased my available credit to about 50 %. My payments are always on time, for more than the minimum and I just refinanced my house, all of which I thought demonstrated my credit worthiness. By decreasing my limits it raised the % of available credit to 75 % and dropped my score significantly. Essentially they ignore the responsible use of credit and on time payment history and penalize you for using their cards. The impact is far greater to me as a responsible person than seeing a XXXX XXXX XXXX XXXX limit drop from {$2500.00} to {$800.00}. It's seeing my score drop from XXXX to XXXX. 

I understand they can not look at each person individually but as the credit providers for so many specialized stores they should understand people are not buying tires and washers every week. 

Is there any contact or recourse available to discuss or appeal these decisions? Their customer service reps, while very courteous and polite, simply read from a script basically saying they can't make a change and if you want you can apply for higher limits, which in itself will drop your score. 

Thanks,
RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!
In XXXX of XXXX I ended my contract with XXXX after many years of poor customer service and not receiving paper bills after many, many requests. I sent them their final payment in XXXX XXXX. Last year, in the XXXX of XXXX, I notice on my credit report that Diversified Consultants has put a collection on my credit report for the final XXXX bill paid in XXXX. I notified my credit card company XXXX of the fraudulent collection and they removed it from my credit report. Today, XXXX/XXXX/XXXX, trustedIDpremier/XXXX is showing this collection on my credit report from Diversified Consultants again for this XXXX charge.
OCWEN LOAN SERVICING MODFIED MY HOME LOAN, FIRST AND SECOND SEVERAL TIMES OVER A TWO YEAR PERIOD. MY DEBT BALANCE WAS PARTIALLY FORGIVEN IN CONJUCTION WITH THE IMPOSED SANCTIONS AGAINST OCWEN. TODAY, LATE PAYMENT REPORTING IS ON MY CREDIT, AFFECTING ME IN VARIOUS DEGREES. I WISH OCWEN TO REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT.
I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. 
Santander doesnt want to assist me at all.
In XXXX I applied to lower my payments. My application was never processed. I was then told I needed to pay money to exit the payment program I was in which I was never asked to do. I did this and I had to reapply. This whole process delayed about XXXX months and forbearance had to be added to my account and interest capitilized. I was also told that my payment would lower based upon the information I provided over the phone. My payment did not lower. I was threatened wage garnishment if I did not pay. When I complained about how long this process took, they back dated my payments XXXX months. I disputed this and when I asked if I could afford to come up with XXXX months of payments if they could credit them as showing timely due to this poor decision, they declined and if I made the payments they would show as late. I refused until they would resolve my loan. This has caused me extreme distress especially because they call me and email me constantly advising me how late my account is showing. I was then called and told that if I made XXXX payment on XXXX, they would apply a XXXX month administrative forbearance on my account. I had no other issue because I didnt want my credit damaged but they would not reverse all of the interest that kept capitalizing. I made a payment on XXXX. I was then told they could not apply any administrative forbearance on my account and refused to give me even a regular forbearance.
I have written several certified letters To Experian and XXXX, On [ XX/XX/XXXX ] I disputed an account reported by [ XXXX XXXX XXXX ] in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.
I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs Transunion, XXXX and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???
Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.
To Whom it May Concern, I am filling this formal complain because I feel that Beneficial ( HSBC ) is not honoring their part of the agreement with the government. I have been trying to get a loan modification since XX/XX/XXXX. During that time Beneficial has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I became divorce in XX/XX/XXXX so that took away half of that income, then my father became sick and my Aunt took over his house that was next door to me, I started taking care of my father then after he passed away, my aunt became dependent on me and I had my son whose mother had nothing to do with not even financially was my responsibility. all these issues with under {$30000.00} a yr pay. I recently then remarried in XX/XX/XXXX to my new wife who is XXXX XXXX and I do carry the burden of putting her in this mess. we have XXXXkids and XXXX grandchildren and we have borrowed money from family and friends. I believe that Beneficial illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Beneficial not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. they told me they never received my paperwork, or this computer does n't have that information, they said they lost it and told me I had to re-apply. They kept changing relationships managers on me and I could never get the same person on the phone twice. My mortgage is currently over XXXX % of my gross monthly income. If that is not considered a hardship by Beneficial, that what really is? I believe I meet every single criteria put forth by HAMP program. My mortgage was originated in XXXX and I never refi 'd. this home this is ( was ) my families home and I took a loan out to update it. I am hoping that someone will hold these big banks accountable for homeowners assistance when they clearly deserve it. I think the main reason that Beneficial is not helping me is because I do have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. there are an obscene amount of foreclosed homes in my neighborhood and more going up everyday and I do not want to join them. Please help me save my home. I want what is fair and right. 
Sincerely
A 20 year loan at .0875 simple interest, in XX/XX/XXXX and ongoing, we have made {$17000.00} in principal only payments, as allowed by our original contract ( XX/XX/XXXX ) and interest has been taken out of those payments. There are other anomalies in the account history, that are different from the actuarial table. We have not been given an explanation that is much more than making the numbers say what they want. We have been trying to pay this off since XX/XX/XXXX in person at PNC Bank XXXX Fl. and 26 phone calls, many not answered or returned, since then. The payoff amount is always about {$4000.00} high by my arithmetic. PNC Bank and we have been going around on this since late XX/XX/XXXX. It is my opinion they ( PNC Bank ) is stealing {$4000.00} from us and with the continuous avoidance and runaround {$6.00} a day in interest since XX/XX/XXXX. Mostly they, ( PNC Bank ) continues to not respond.
I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only.
I am repaying the debt to XXXX XXXX and Van Ru continues to call even though I pay on time to XXXX XXXX. When they call, Van Ru requests me to verify who I am by giving them the last XXXX digits of my social security #. When I say you called me so why do I need to verify they repeat what they requested and say when you 're ready to verify call us back. I continue to receive these calls even though I am paying directly to XXXX XXXX. This was agreed to by both parties.
Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.
Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.
On XX/XX/XXXX, 2017 I provided notice of my brother 's XXXX to SunTrust Mortgage. At SunTrust 's request I faxed a copy of his XXXX certificate as proof of XXXX. I informed SunTrust my brother had no spouse, children or estate. My name and address is shown on XXXX certificate. Since receiving my name and address, SunTrust is now addressing my late brother 's mail to him c/o my name and address. This was without my request or authorization. My brother has never resided at my address or used my address as a mailing address. I would like SunTrust to cease using my name and address for my late brother 's mail regarding the status of his loan or other legal notices. I believe lender should instead use loan holder 's name and last address of record for any required communication.