WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.
Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.
Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.
I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.
Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.
We explained to the debt collector that this matter has already been resolved with XXXX XXXX ( vendor ), and a copy of the check that was paid has been provided to the insurance company. No balance is due.
I called and to a Transunion representative inform his of a mistake they on my report few mouths ago. They remove all 8 of my inquiries then a week later put them back on ... .. 
Section 611 says then sure have notified me 5 days prior to replacing them back on ... .. 
Here a list of the inquiries : XXXX ... ..XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX   XXXX ... ..XX/XX/XXXX XXXX XXXX ... ... XX/XX/XXXX XXXX XXXX XXXX  ... ..XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... ..XX/XX/XXXX Thank You XX/XX/XXXX
XXXX   XXXX  retaliated on  XX/XX/XXXX  after a complaint had been filed and   XXXX   allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in  XX/XX/XXXX ,  XX/XX/XXXX . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone.  XXXX  has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a  XXXX  times with different amounts when the aggregate of that account should have been used once.
Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. 

I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.
I am currently in foreclosure at the beginning of this process I hired an attorney with the intention of keeping my home. We were offered a favorable loan modification that would allow us to keep our home. The only issue is we were not informed of the offer until it was way too late to accept it. Once I learned this I immediately began trying to contact our loan servicing company : Ocwen Loan Servicing, LLC XXXX. XXXX XXXX XXXX, TX XXXX-XXXX XXXX XXXX ) XXXX I submitted all the loan modification paperwork including all documentation that was requested. I then called every few days to see the progress of the application. I was informed about a week later that the application was denied. Even though I tried explaining that we were offered a loan modification but that my prior attorney had not informed us until after the offer had expired. I was told to appeal which I did and the appeal was denied as well. We are now dangerously close to losing our home as the foreclosure proceeding are nearing the end. I then emailed the only executive email I could find. For the prior CEO of Ocwen hoping that someone at the executive offices would assist me XXXX XXXX XXXX I received an email back the next business day informing me that my point of contact would now be Specialized HRD Escalation Agent, XXXX XXXX ( XXXX ) XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I have tried calling several times all with no response. PLEASE HELP MY FAMILY KEEP OUR HOME
I applied for a payday loan online and was pre approved for XXXX then I  was told  by email to visit a local check into cash store with the proper documents and I  would walk out with my cash.but I was never given the chance to go to the  check into cash store and forfill my application.
PayPal charged a credit account I was unaware I had to complete a purchase. When I called PayPal I was told it was my default even though I had other options set up to pay wth them. I 'm confused why I have to use credit and pay interest when I have other options available. They are supposed to be helping for our security not charging credit accounts for no reason to turn a profit. The customer service rep ( XXXX ) and her manager ( XXXX ) were very rude an inconsiderate and played hardball like it was my fault. A total joke of customer service, is that how PayPal operates? Charge customers and then bully them when they inquire. I was very disappointed in a company I trusted a lot, I will no longer advise people to use their services this is abusive and potentially dangerous to many young users like myself. PayPal apparently set this account up for me when I was barely over XXXX. I had no paperwork clearly disclosing anything and could not even tell you the interest rate I am going to be charged. I thought all companies now we 're required to disclose this information prior to any accounts being issued. This is very irresponsible and needs to be addressed immediately.
Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted me.
In 2006, I purchased a used vehicle from XXXX XXXX in XXXX XXXX Florida. I used a lender refereed by the dealership, GM Financial. 
I was told that interest would be accrued monthly. However, the interest was accrued daily. The loan was roughly {$8000.00}, and the monthly interest was outrageous. I had no choice, but to use 100 % of my student loans to pay off this loan early. I was stuck in, what I believe to be, a predatory loan for around one year. 
I 'm not sure if I can be helped due to statue of limitations. I 'm sure I have thrown away most, if not all of my literature from the loan. My hope is that this loan history might be archived online.
I have called, sent and faxed over letters to TransUnion about having inquires on my credit report that I did not approve. I have not heard anything back I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the  accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. If they are unable to show me proof.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. Here are the following inquires that should not be on my Transunion report. 


XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Portfolio Recovery has yet again reported false information to the credit bureaus. They gave XXXX 4 new accounts and my score dropped 50 points. They did not provide any proof to XXXX that these accounts are mine. 

I contacted CFPB regarding Portfolio Recovery a few months back. They were reporting false information and has never closed the claim. When I called them about the 4 new accounts they stated that the original debt that I appealed is still open. They never provided solid proof for the first account. 

I would like to request again that they submit all documents with my signature for me to review. They continue to ruin my credit with no evidence and continue to get away with this. Thank you. 

Sincerely, XXXX XXXX
Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.
I was up for re-certification of my income-based repayment plan. On XX/XX/2017, I was advised by a Fed Loan rep that the payment would increase from {$610.00} to over {$10000.00}. I advised the rep I could not afford that payment. The rep stated I could re-certify first then switch to the REPAYE plan, which would bring my monthly payment to around {$700.00}. I followed these instructions and submitted a corrected IBR recert on XX/XX/2017, which was approved. I then submitted a request to switch to REPAYE on XX/XX/2017 with supporting documentation. I called after submitting and was advised it would take about 10 business day to start processing the application. I called on XX/XX/2017 to get a status check. The rep could not provide a status update and failed to acknowledge that the XX/XX/2017 uploaded application. I requested to speak to a supervisor. I spoke to XXXX who noted the XX/XX/2017 application was incorrectly processed as a recert and stated she submitted requests for the application to expedited and I would be removed from IBR and switched to standard. However, she noted that I should receive a letter stating a reduced payment of {$5.00} will be owed and then to call back to ensure the rest of the REPAYE process is initiated. I appreciate XXXX 's help but I am concerned that I will be charged the incorrect amount and will be incorrectly billed an un-affordable amount. In addition to potential credit reporting damage, I am also on the public interest loan forgiveness plan and I am concerned that Fed Loan 's incompetence will impact my eligibility with the program. Please expedite this complaint as my next payment is due XX/XX/2017. I should not be penalized and harmed for following Fed Loan 's directions.
On XX/XX/XXXX, I requested an online US {$3000.00} Balance Transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be done on my Visa XXXX XXXX credit card. After a few days, I realized that the amount requested wasnt accredited to my XXXX credit card, but totally charged to my XXXX XXXX master card, and fees. Then, on XX/XX/XXXX, I called Barclaycard Customer Care Dept., and requested to cancel the transaction, because still wasnt effective to my external credit card on that date, so it was created the case number XXXX. They said I would have response within 15 days later. On XX/XX/XXXX. I have sent an e-mail to Barclaycard Customer Care dept., requesting a solution, but they confirmed case was still created, but will take between 30-60 days. Because I didnt get any information, another e-mail was sent from me on XX/XX/XXXX, and their response was, that the worker assigned to my case was unable to reverse the balance transfer, as the payment had already been sent, and, supposedly, a proof of payment letter was sent to my mailing address, to provide it to my external bank ( XXXX ). They also said, that when that event happen, the bank will locate the funds. But, really, that supposed letter never was sent or received to my mailing address, and the funds requested was never transfered to my XXXX XXXX credit card account. Besides, what I requested was an electronic balance transfer, not a letter to be provided by myself to the external bank. On XX/XX/XXXX, XXXX   answered another e-mail to me, that the case can not be opened or updated, and that a manager will contact me, but that also never happened. The amount of US {$3000.00} and related fees, US {$90.00} per transaction, and {$75.00} interest montly, are still charged in may XXXX XXXX Mastercard, which certainly is affecting my finances and credit report. Please help me.
Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.
This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. 
Here is the account information : XXXX
Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.
XXXX  is collecting an account for  XXXX . I have never had an   XXXX   in my life. I can find nothing old on my credit report th at may have b een purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.
Purchased a new XXXX XXXX XXXX. Ford gives discounts/rebates if financed through Ford Motor credit. I received a loan and rebate ( {$750.00} ) from Ford Motor Credit for my purchase. The selling dealer employees as well as other Ford dealers informed me that if not at least 6 payments were timely made the rebate could or would be revoked. Being as several sale staff at several different Ford dealerships made almost the very same statement I would assume, as I would guess anyone would, Ford is aware of this and is their ( possibly un-written ) policy. After my purchase financed at an I feel exorbitant interest rate I called my personal bank and secure another loan to pay the Ford loan off. ( at less than 1/2 the rate with the very same terms as from Ford ) My concerns are : 1. As I understand it Federal law states there can not be prepayment penalties for the prepayment of loans. Is Ford in effect in violation of this law as 6 months payments apparently need be made before possible loss of rebate? Ford is most certainly aware of this issue. If personal at dealerships are stating the requirement falsey to protect sales commissions, Ford no doubt is fully aware of this matter and would be in criminal violation I would assume. This exact scenario has been going on for years. 
2. The Ford employee at closing had a 8 year, 5.59 % contract before me to sign with no indication or question in me being able to negotiate interest rates or terms. Was told rate was non-negotiable and was very difficult to get the term length reduced. Is this not predatory lending of some sort? 
I feel as Ford Motor Company colluded with Ford Credit Corporation to sidestep federal laws and practice unfair credit  practices.
my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.
I had no funds on the card and received a service fee of {$4.00}. When I tried to send an email to cancel the card at the company website I found out that the user can only call the company or mail in a letter.
In XX/XX/XXXX, XXXX XXXX Services began calling my wife about a debt owed in the state of Michigan from a doctor visit on XX/XX/XXXX. We used to live in Michigan but moved in XXXX. We have not traveled back to Michigan since moving. I explained to the company that the debt was not ours since we have not lived or visited the state in nine years. They continued to call and send communications that we owed the debt. Each time they said they sent us an itemized bill, which they did not, and talked to the clinic who corroborated it was my wife. I asked for them to send me the bill, but they never did. I didn't hear from them for five months and then they sent a communication in the mail. I called back and was told the same thing as before. Each time I explained it was in error, they either hung up on me or said it was our debt. This last time, on XX/XX/XXXX, I was sent to a supervisor, but she has not called me back. This debit is not on our credit report. Each time I tell them this, they hang up. 

My wife gave a presentation in Alabama on XX/XX/XXXX. I have debit and credit records that show us using it in Alabama. They don't seem interested in any of that. This debt is not owed by us and we will not pay it. It's in error but XXXX is not interested in the truth. I would like them to stop calling and harassing us. 

I have attached the mailer that they sent. Also attached is a record of my debit card activity that shows my and my wife 's card activity on the day before the visit, the day of the visit and the day after. Which shows we were not in Michigan at the time of the clinic visit.
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}