WillisBack/dataset-financial-user-claim huggingface dataset:
Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down
I needed to do a temporary lift of my credit freeze with all 3 agencies. XXXX   and XXXX  were a breeze, their websites worked flawlessly and quickly. 

I have spent 45 minutes on the Equifax website, which keeps timing out with no success. I called their customer service line, who informed me that he was customer service, not the credit freeze department, tried to sell me a product. 

At this point I'm waiting for " the credit freeze department '' to open so I can call that number at XXXX (! ) and try to get those folks to help me. 

Here 's the sad part ... .my sister works for Equifax . When I was venting to her, her response was " Yep, that sounds about right. '' Even their employees know that they are a terrible organization. 

Hold their feet to the fire and make them perform. They have the funds to fix this!
This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person. 

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.
requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck
To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
Repeated phone calls, 3 in a row this morning at XXXX. They leave no voicemail. Called back to find company name is diversified inc. We have received 0 mail from them and the calls have gotten to be daily on my cell phone and my parents house line. 
XXXX XXXX XXXX This has been going on for about a month.
I had a loan with XXXX and it was sold to Freedom Mortgage. During the sale I was never notified and was not aware of anything going on. I continued to pay my mortgage payment to the XXXX. by the time I figured it out I was late on a payment. I paid it and explained to them that I was never told. Since then I have continued to ask them for a account and transaction history including a running balance but they never give it to me. They keep sending me the wrong thing. I have been requesting this for over a year. I need this because I do not believe they are applying my payments correctly and there is no way for me to check with out that information. there customer service is horrible. you can never speak to anyone. it seems that all of there departments are not customer facing and everything you ask for has to be put in a request that never gets done. I have asked to speak to people higher up and get the same response. let me put in a request. I have never had this much trouble with a mortgage service company ever. I really wish they would sell this loan to someone else. It is absurd that mortgage company 's are allowed to sell loan any random company that does not have the same values and customer service as the company you made the loan with.
Date : XXXX XXXX, XXXX Subject : XXXX Quit Claim Deed for XXXX XXXX XXXX XXXX, IL XXXX is Fraudulent Complainant : XXXX XXXX XXXX Defendants : XXXX /Urban Financial America LLC/Notary Public - XXXX XXXX In XX/XX/XXXX my parents, XXXX and XXXX ( XXXX ) XXXX purchased the property at XXXX XXXX XXXX XXXX XXXX , IL XXXX. In XX/XX/XXXX my Father XXXX XXXX passed away at which time the said property at XXXX XXXX XXXX was Quit Deeded to XXXX ( XXXX ) XXXX ( Death Certificate and Obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). XX/XX/1994 after the passing of our Mother XXXX XXXX the property was quit deeded to myself XXXX XXXX XXXX and my sister XXXX XXXX ( death certificate and obituary of XXXX XXXX, XX/XX/XXXX Quit Deed enclosed ). 

After the death of my sister XX/XX/2014, when packing up her belongings we found a mortgage statement for the property at XXXX XXXX XXXX in XXXX, IL XXXX from XXXX ( XX/XX/XXXX ). Once I found the statement I inquired at the XXXX county office of deeds to pull all deeds to the property in XXXX, IL. I pulled XXXX quit claim deeds ( XX/XX/XXXX & XX/XX/XXXX deeds ) from the XXXX County Office of Deeds in XXXX, IL. The original deed was pulled from the XXXX county office of deeds from XXXX, IL. Unaware a Quit Claim Deed was issued in XXXX XXXX to XXXX XXXX, in which I XXXX XXXX was taken off of the property. My signature was forged on the documentation and registered at the XXXX County Deeds Office. From that time on we were receiving monthly statements showing she took a mortgage out on the property with a fraudulent signature. 

Upon request, I would like this quit deed and loan ( account number XXXX/loan XXXX XXXX/investor - Urban Financial of America ) investigated by the Illinois Department of Professional Regulations Banking Division. 

Sincerely Yours, XXXX XXXX
I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.
My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either.
I am in a horrible limbo with my student loans and my financial life. I am in default and there is no way of getting out of default beyond paying everything off. Original loan amount was XXXX and because of fees the amount was over XXXX last year. Last year I paid over XXXX and currently being forced to pay money every 24 days. I have been with my wife for 27 years, have a family of XXXX. No matter what I do the debt / fees continue to grow and I ca n't get on top of them. We lost our home in XX/XX/2008, we have had vehicle repossession and my tax refunds are garnished. 
I have no way to resolve this situation.
I called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.
Debt collector failed to validate the right to collect the debt, and continuing harassing me calling my cell phone.
I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.
We are a small business who was contracted with A & S Collections. They collected our debts for us but they never paid us on the percentage owed to us. I have invoices of check statements they claimed were processed. We never received these checks.
I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been removed.
Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX  detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.
Received transfer balance offer from citicard/citi.com/XXXX, to transfer a balance. Prepared to make a payment and was told by their csr that any payment made will go towards the highest interest charge rather than the 0 % balance transfer. This, in my estimation, allows for credit card companies to continue applying payments as they choose (! ) and allows for the application of several months of accumulated interest that serves in the best interest of the credit card company rather than the consumer! This is absurd! I am to accept that a company that makes as much as citi bank can not offer to split payments? I have n't lost any money yet but it is a ridiculous policy that serves only to trap consumers.
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank Account?
A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.
Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for XXXX} from XXXX XXXX XXXX XXXX ( USA ). 

I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. 
It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''? 

When I checked on XXXX XXXX XXXX 's website, it shows they hire a third party, Resurgent Capital Services, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence. 

I have cc : 'd all correspondence to the General Sessions Court in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages. 

What XXXX.
I am in foreclosure. The alleged mortgage and note holder is Bank of America N.A . 
I lost my XXXX in 2008 and employment, from which I have not been able to recover. I have pleaded with Bank of America N.A . through hardship letters, in person with their loss mitigation personnel without success.
XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. 
is attempted to collect a debt that was covered by insurance at time of service. 
the debt is an error on XXXX credit report