WillisBack/dataset-financial-user-claim huggingface dataset:
I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.
Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.
I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed
i review all XXXX credit scores on a weekly basis. On XXXX XXXX, I noticed my experian score dropped XXXX points to a XXXX and yet my XXXX and XXXX rose by 3-4 points each respectively. I called experian and spoke to 3 reps who passed me off to one another. All 3 reps could not tell me why my score dropped. The final rep was a supervisor, very nice, but she said this looked like a mistake and that I needed to send a copy of XXXX and XXXX reports to their dispute department, so i did. The dept responded back to me with some 'canned ' pre-written decline that all XXXX bureaus worked differently. I have spent almost 3 hours trying to resolve this. I have excellent credit and all I am asking for is fairness. Why would my score drop XXXX points on the Experian report yet rise XXXX pts on my other XXXX reports. Experian MUST provide a valid reason for this and as of now, they have not and it appears they are refusing to admit a mistake. 

Thank you for this wonderful service by the way.
I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with XXXX/XXXX XXXX. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( XXXX Bank ) and their collection company Midland funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
I have disputed thru credit agency and the company. This debt states for an apartment in Minnesota at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MNXXXX I lived in another apartment not XXXX XXXX This belongs to someone else.. 
Please remove this debt off of me and my credit report
I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt.
I did a cash-out refinance with Loan Depot. From the get go, the loan officer broke the law. He and I had simply discussed some numbers, and I said that it sounded good. He tried to take my appraisal payment right then and there, before I ever saw the numbers on paper and gave my intent to proceed.

The first problem was that the " lender credits '' he promised me were no where close to what was actually given to me. He told me repeatedly that the appraisal was going to be refunded to me. It was not, and I was made out to be the XXXX that didn't understand. Meanwhile, I am a XXXX XXXX, I do this every day. I know the verbiage, I know the business, I know when someone tells me I '' m getting my appraisal fee back, vs it is POC and will reduce my cash to close.

Finally, the closing. The closing date was missed. They then sent a notary to my in-laws home in Alabama who apparently lost the deed. I then had to resign, was scheduled with two different attorneys, then was told I actually didn't have to sign. Confused, yet? So was I. It finally funded about a week later, and I was wired my cash back at closing that was {$110.00} short of the Final Closing Disclosure that I signed. They did not catch this. I caught this. Imagine what they are doing to people who are not as versed as I am in the loan process. The loan officer was garbage and a liar. The processor was ok, but still was below par. I can only imagine how many times this has happened to other people who begin to do business with them under the bait-and-switch tactics they tried on me.
On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before.
I do not agree with the fee charges of {$370.00} as of to date on my account with FedLoan Services. A third party vendor reached out to me a year ago to acting as Fedloan Services so I could lower my monthly payment. This however was a scam and was not caught till I tried to get my tax information from FedLoan Services. I am dealing with the third party scam, but have asked FedLoan Services if they would wave the interest fee for this request came from the third part. They told me they are not able to do so. This is highly illegal what the third parties are doing to college students in debt and FeLoans is not trying to stop this in any way.
XXXX credit card company is inaccurately reporting payment date. I began a dispute with experian on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX.  One phone call to the creditor will verify this. I would also like experian to be made aware of this and I can not notify them when there is an open dispute
They call my cell at least twice a day and my home line at least twoce a day as well.
On Sunday, XXXX XXXX, XXXX my equifax score dropped from XXXX to XXXX with no explanation or reason. I know there was a recent breach with equifax and maybe it has something to do with their error. My current address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I own this home as of XXXX XXXX, XXXX. My old address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX should be listed behind my current address. Please correct these errors immediately. Thanks.
I have attempted to dispute a public record with Equifax but the dispute keeps getting turned around in 2 days without resolution. I had explained that I am working out payment arrangements with the Original creditor ( XXXX XXXX ) and that I had not been served papers for this to classify it as Public Record. They had marked the judgement as Satisfied instead of removing the item that I have no record of. Reference Number XXXX
I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.
Many attempts have been made to link my capital one credit card account to my online banking account through XXXX XXXX. Every time I try, I get a message stating that capital one is " blocking external applications '' from accessing it. I need to be able to see my financial data within my banking app to be able to send payments to it with my checking account, so that they will actually post the payments the day they are received instead of holding the payment from the available credit for 3 days after receipt of the payment, which they do if you " pull '' the payment with capital one instead of " push '' the payment with your bank account to protect themselves against false fraud accusations. I should be able to access my financial data in any way I please, as it is MY finances that are at risk if I am not able to.
National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX  XXXX and XXXX   XXXX
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to Equifax, XXXX, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX  -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX -XXXX XXXX XXXX   -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX  -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX  -XXXX  -XXXX XXXX XXXX
I went online to order my credit report with Experian. The site made it look like I had to pay {$1.00} to receive my report - so I entered in my debit card number. They enrolled me in some type of monthly service and charged my card {$21.00}. I called to ask why - they told me and I stated I never wanted nor do I need that service. XXXX XXXX stated he would cancel. I asked for a refund and they refused to give me a refund. XXXX XXXX stated it was " against company policy ''. This is exactly what you fined XXXX & XXXX for in XX/XX/2017. I believe you called it " Deceiving consumers into enrolling in subscription programs ''.
I noticed that on my credit report there were accounts reading as " in-dispute ''. While I did ask for more information I never said I disputed the information they sent.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.
I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.
I have been trying to obtain a Harp Loan for several months, getting nowhere. I checked my scores in XX/XX/2016 had all incorrect information corrected. In XXXX I began my search for a mortgage company. XXXX was the holder of my lien and I was desperate to get out from their control. 
I had previously filed a complaint against XXXX for breaking the law, withholding evidence, taking deceptive measures to avoid being exposed for their culpability in preventing the arrest of this person which lead to my loss of thousands of dollars. 
When I checked my scores a few weeks ago, XXXX had accessed all XXXX credit agencies and added a " Fraud Alert '' along with a statement I made sometime in the last 3 years when I told them if any accounts are accessed again by scammers, thieves, or whatever action resulted in my loss, I would never repay the loss on fraudulent checks again. 
I am amazed they would attempt this soon to wreck my credibility. This is what happens to good people when banks are not held accountable. 
In your report to the OCC you mentioned the high number of complaints against XXXX not giving Executors and family members access to deceased records which is their legal right to obtain. XXXX gets away with noncompliance consistently. What gives them the right to access my credit report and post a FRAUD ALERT on a whim. Could it be they wanted to keep me from getting a refinance in order to keep my loan with them? 
I disputed what they did with Transunion and the comment was removed immediately. 
However, when I received my letter from them saying it was removed, I asked them when it was originally posted and by whom, they said that information could not be disclosed. I found a way to access who posted it but their was no date. I have no idea how many companies read my report. 
Knowing from experience that it does not matter how much documentation you spend your time on proving your case, it really does n't matter, if ever needed, I will provide.
There were checks deposited into my account through an ATM. Each check was worth between $ XXXX- {$650.00}. XXXX checks were deposited. As soon as they were deposited, they were immediately withdrawn from my account through an ATM. The checks were then returned, and then my account was overdraft and charged {$12.00} for each returned check. I filed a claim with the bank, but they denied my claim because they said that I did not file a claim soon enough. The activity started on Tuesday XXXX XXXX, 2015 and I filed the claim on Thursday XXXX XXXX, 2015. My account is now at - {$7000.00}. I live in XXXX, XXXX. the checks were deposited and withdrawn at an ATM in XXXX. I have never been to XXXX. I can provide evidence to show where I was during the time of these deposits and withdraws. If they looked through my banking history, since I have been with them for 5 years, they would have realized that this was not normal activity on my account. The fact that they let some withdraw {$3000.00} from the ATM in one transaction is beyond me.
I recently transferred funds from coinbase to XXXX ( XX/XX/XXXX ) and the funds went through. I then transferred the funds to my XXXX address XXXX and see that my transaction is pending in coinbase but says sent in XXXX. When I grab the transaction hash from XXXX it shows that it is invalid. Left 3 trouble tickets XXXX ( case id : XXXX ) coinbase ( case id : XXXX and XXXX ) and called support afterwards they told me they would look into it and 4 days later nothing no transaction on the blockchain. Support told me to submit a ticket which I have and of course they never respond. I transferred XXXX litecoin and really want get rid of my coinbase now but am stuck dealing with this. I 'm not about to lose XXXX and still need to send XXXX litecoins but am afraid they will be lost too. When i entered the txid hash provided it shows invalid on the blockchain XXXX XXXX XXXX XXXX XXXX also shows 0 confirmations in coinbase. I feel this is the only means to try and get this resolved.
I 've received 5 phone calls on XXXX XXXX, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was " Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of addressing their obviously flawed system. As of today, I received 2 anonymous phone calls from 2 different phone numbers I 've never seen. This un-professional behavior shown by Citicard representatives and their scam-like system should be addressed.
Equifax is not correcting personal information or deleting incorrect accounts that do n't belong to me. For instance they are reporting an  XXXX   XXXX   XXXX  account and  XXXX   XXXX   XXXX  and a Treasury that are incorrect, and they must remove the incorrect information. What Equifax has been stating instead is that the customer disputes the information.     My student loan is being held up because of this.
My Mortgage was initially held by XXXX  XXXX  then sold to XXXX  XXXX  and then to XXXX XXXX  and then to XXXX XXXX. I was never informed my loan had been sold from XXXX to XXXX and kept paying XXXX XXXX  who collected the money. In XX/XX/XXXX I received a certified letter from XXXX saying I was in default and immediately paid three payments but they had already sold my mortgage to Bayview. I have paid the mortgage each month but Bayview states that I have not paid for XX/XX/XXXX. When I first called Bayview they said I owed XXXX dollars and then I was current. I paid the amount at that time. Now they are saying I am late for a payment even though I provided documentation that I had paid every month. XXXX reimbursed some payments but did not return all the payments I had paid them. Bayview says XXXX did not pay them the correct amount. I requested a transcript of calls with Bayview which they have not produced, I have also requested an answer to the documentation sent to them showing the payments I have made to all these companies and have received no written response. I am speaking to their escalation department again requesting and they are now saying that I requested a transfer from my escrow account which I have not made.
Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases.