WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, XXXX and Experian ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of 715+, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Harris & Harris is repeatedly calling me for a false debt collection from XXXX XXXX XXXX. I told them that I have verified with XXXX XXXX that I do not owe any balance on my account ( see attachment ). However Harris & Harris continues to call me despite that I told them not to do so -- latest call was this morning. Also the prior time that I spoke with their representative, she told me the debt had been reported to the credit reporting companies!!! Please see my latest statement of account from XXXX XXXX for XX/XX/XXXX attached. On page 1 you see that there is $ XXXX pending with the insurance company. On page 2 you see that this claim was denied for a date of service nearly 2-years ago because the provider at XXXX XXXX XXXX failed to get the XXXX approved by the insurance company. I recall getting a letter from the insurance company years ago stating that I am not responsible for this bill. Furthermore, I have had problems with Harris & Harris a month or so ago attempting to collect debt that I already had paid. They are a business that has very unfair business practices and collection practices. And they really should be looked into and fined or closed down for repeated violations of the FDCPA. Many people who are ill, XXXX, or senior are being taken advantage of by them, I suspect, based on my experience and based on complaints I have read on the web. And I am quite sure at this point that I have overpaid on bills that were falsely collected by them for XXXX XXXX. FYI,  according to XXXX XXXX, as of XX/XX/XXXX, the XXXX XXXX XXXX reported XXXX closed Harris & Harris complaints over the previous three years, including 30 closed H & H complaints over the previous 12 months. The XXXX gave H & H A+ rating. Additionally, XXXX listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 93 closed complaints in XX/XX/XXXX.
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
I recently discovered inaccuracies on my credit report. I disputed the accuracy of XXXX XXXX on my Credit report. the series of disputes went as followed i recently sent a letter on XX/XX/18 disputing this account they signed for the letter on XX/XX/18 which they marked disputed and verified i then sent another letter asking to provide me with proof of how the account was verified and present a contract bearing my signature, which they failed to do so. This is my last attempt to clear this matter up before we take the matter to small claims court and sue for {$1000.00} per violation .Please remove XXXX XXXX from my credit report as it continues to promote negative / inaccuracies on the credit file you hold in my name
I had an identity theft of over 8K, which left me financially crippled for almost 2 months. I reached out to my creditors and some of them were very helpful and some of them were NOT. Synchrony Bank closed 2 of my accounts, synficantly lowering my credit score. One of which was completely paid in full with a {$4000.00} limit. I ca n't believe they can get away with this. As if my credit had n't taken enough of a hit when I was sent to collection for an enormous debt that was n't even mine!!!
In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record.
I was living in XXXX, Nevada in 2016 and signed an apartment lease for XXXX month. After about XXXX month, I wanted to terminate the lease due to the scorpion infestation of the dwelling. Prior to me initiating lease termination, the apartment company send a pest control service to treat for scorpions but it did not help. Terms of the contract allow early lease termination due to the un-resolvable issues with the dwelling that cause significant hardship and threats to health. The apartment company still told me that I had to pay early termination fee and now they turned over the collection on the fee to the collection company that tries to collect much larger amount.
X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.
After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.
XXXX and Experian are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I am trying to close this account with Barclay 's.   I had trouble with them before - it was resolved, but not with damage to my credit rating - at cfpb  Case Number   XXXX .   I 've paid off the account, as you 'll see from the attached documents, and want to close the account.   I 've been VERY clear by mail, by phone.   Attached you 'll find an email that I just got today - showing that the account is still open.   Also, a confusing letter ( dated   XXXX   XXXX   ) about my " disputed '' amount of {$1000.00}.   Also, my correspondence to them - dated   XXXX   XXXX   and then another dated   XXXX   XXXX   XXXX  - asking to close the account.   I have also tried to call and that has proved unfeasible. The first time, I was disconnected. The second time, I was being transferred and transferred.
For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.
I am deeply troubled by WellsFargos unannounced reversal of previously approved accounts qualified for waving fees but then, aft er two months, WellsFargo silently disavowed the previously qualified accounts and applied service fees Did the WellsFargo Banker and her manager violate  an internal business rule setting up the PMA account in  XXXX  at the outset?      Does WellsFargo promote a culture of allowing banking officers to waive fees manually or improperly represent fees to be waived, knowing that WellsFargo quarte rly audits would re-apply those fees silently?     Is  WellsFargo employing a workforce of under-trained bankers with the strategic idea that they are unencumbered to sell products and that customers like me have to discover and take action on WellsFargos sile nt reversals?
My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day.
ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
On XXXX XXXX 2016 I received a letter from Pay Pal Credit thanking me for opening up a credit card ( I did not open up this credit card ) There is an email address on the letter XXXXXXXXXXXX, it states that this person can go on line and review this account. ( this is not my email address ) I contacted Pay Pal Credit informing them that I did not authorize this credit card and that the charges being made on this card are not from myself. I have contacted and reported this to Identity Theft as well as obtaining a police report.
This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.
I took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
Chase Student Loans service has held my wifes private student loan, however now they have sold it to a third party, but it is unclear where the loan is or what the balance is. Ive calculated that the loan was paid off over three months ago, however again, there is no way to know what the balance is of the loan. So now Im going back and forth between chase and XXXX and neither company is giving me answers.
Discover reduced my credit limit by {$1000.00} as soon as I paid the balance down {$1000.00}. This despite having an excellent payment history with them.
Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 

But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. 

The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.
Load funds on American Serve card ... when the card suppose to come wth name ... all the previous loaded funds was depleted by fraud tranactions.American Express never refunded my funds
I 've been going round and round with Navient. I finally was gainfully employed last year but Navient kept trying to say that my payments were over 1000/month. So I filled out the paperwork for income-driven repayment and was told by the Navient agent that my payments should be around 350-360/month, according to my paycheck. What they ended up being ( supposedly ) was more around 460/month. But what has been happening is, month after month, I log in to find my payment due at {$960.00}. I was told this was due to old late fees. So I paid them my entire bonus from work a couple of months ago to clear out the fees. That money was really needed for other things but I thought I was doing the right thing by trying to get a handle on these loans. Earlier this month, I logged in to find that the payment due was over {$600.00} with a due date of XX/XX/XXXX. I could n't pay it all at one time so I decided to make a half payment from my first check of the month -- onXX/XX/XXXX and pay the remainder of the payment due today with my second check. I logged in to find that I owed a payment of {$960.00} with several of the loans now saying that they were past due. I tried to speak to a rep but he only said that the payment due was $ 400+ and the other $ 400+ was due to late fees. I asked how there were late fees when the payment was n't due until XX/XX/XXXX He said that these were late fees from last year and earlier -- so, wait, they 're the late fees that I 've supposedly already paid??? The rep kept talking me in circles -- kept saying " you can find it on the account history page ''. I pull up the account history page and all it shows is the series of payments I 've made, each one larger than the last -- it seems in a hopeless attempt to get some kind of structure and sense to this nonsense. Basically, I 'm XXXX because of Navient. I 'm throwing money at them for loans that started off as being {$5500.00} each and now they 're saying I owe $ XXXX- $ XXXX each. I ca n't afford a home of my own, nor a car payment, and I 've had to put off medical treatment, because I 'm struggling to get a foothold with these vampires.
my credit report is incorrect. i have tried multiple times to dispute this with the bureaus but santander continues to have different payment status on all XXXX reports with all XXXX bureaus which XXXX is correct?? santander obviously doe not even know what they are reporting. I wish they would not report i have a charged off account 2 monthes in a row when i paid them over {$3000.00} dollars back in XX/XX/2015 by phone which i can prove from bank statements but yet they have my account listed has charged off?? cant seem to figure out how i have the title of my car but my car was charged off? weird! i attached XXXX different reports below to show the difference in reporting.