WillisBack/dataset-financial-user-claim huggingface dataset:
After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.
same call every day from penn credit corp -- XXXX never did business with this company even call on a sunday
XXXX XXXX XXXX XXXX XXXX USAA SAVINGS XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it. 
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
On XX/XX/2017 I tried to get my equifax report, and I was unable to gain access
Received a response letter dated XX/XX/18 back from Equifax, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well.
I have applied, qualified and have been wrongfully denied by my mortgage lender for a FHA Hamp modification with principal reduction from day XXXX. They have tried every trick in the book to set me up for a Train Wreck and foreclosure .I have filed over XXXX complaints which has done absolutely no good at all. Please tell them that I do not want the co arrowheads name on my new modification. Please tell them that I want and deserve to be treated with respect, I want to know all the details and a clear Disclosure before I sign and return this modification paperwork they sent me on XX/XX/2015, they tell me that if I do not sign and return before XX/XX/2015, I will not get another chance hamp offer of any kind and basically my home will be foreclosed on. They will not tell me what my new interest rate will be or how much I will actually owe on my home when the modification is finalized. They say that the x co harrower s name will still be on my new loan even though I have a special war amity deed, divorce decree giving me full responsibility and ownership, and a restraining order against him. 

Example:
I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.
Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.
I moved from one rental house to another, about 5 miles, on XXXX-17 and transferred my XXXX XXXX account to the new location after being at our previous location for about 30 months. 

Upon checking my credit report with Equifax, I find XXXX did a hard inquiry on my credit report. Clearly this was not required as they know my history for the past 30 months and all bills were paid and on-time. What is most concerning is this request was not done with my permission.
In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hello, I am requesting your assistance because I have made every effort to have this issue resolved. XXXX XXXX Credit Card was supposed to be removed from my credit report but Equifax is refusing to do this even though I have provided the supporting document. At this time, they are preventing me from getting approved for a home loan. Thank you for your assistance. 
Sincerely, XXXX XXXX
XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.
Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.
I have made several attempts to contact AAA collections to work out payments with them. She told me she could n't set up a wage assignment with me unless I paid XXXX biweekly, I explained to her that I have a XXXX husband and XXXX small children and could only afford XXXX bi-weekly. She said she would send out the wage assignment. I called her a week and a half later, and told her I still have n't received her paper work. She said she was not going to send it until she put a judgement on me. I do n't understand how that is necessary when I have made attempts to make payments. Back a few months ago an agent had contacted me and I told her I was unable to make payments at the time but I will get back to them. I called back and left a voicemail and no call back. Then they sent me a letter saying that after several failed attempts to contact me, if I do n't contact them they will be forced to file a judgement. I called them and finally got someone. She then told me if I do n't want the judgement on my record that I have to pay the balance in full or give them my debit card number, when I refused and told her I would just talk to my lawyer she all the sudden was willing to work with me. I still have not seen the wage assignments and she has failed to call me back again.
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.
1 ) We were never given our rate until it was too late for us to back out of the deal and lose our earnest money - and we feel the rate is outside of industry norms given our credit profile, income, property, etc ... ; 2 ) We were never given a Final Closing Disclosure as required by Federal Law 3 days prior to closing ; 3 ) When we DID receive a Final Closing Disclosure at closing, our loan officer asked us several times to back date it ( which would have been a commission of loan fraud ) and only stopped pushing us to do that when we insisted that he no longer ask us to commit loan fraud and signed and dated the CD after closing ( with the actual time and date that we received it ) ; 4 ) When we got to closing our costs to close were $ 30K more than we were expecting or had liquid - and we had to choose between scraping for cash and losing our {$28000.00} earnest money deposit ; 5 ) When we brought these concerns to our loan officer via phone during our closing we were told there was nothing that he or Westpark could do to assist us and we were left choosing between losing our {$28000.00} earnest money deposit or signing the documents. 

There are a litany of other irritations we had with the process - but the major concerns are addressed above. 

Important Dates / Amounts Actions : My first call to Westpark - XX/XX/2018 - Sent them our documents for review. 
File Submitted to Underwriting - XX/XX/2018 Close of Escrow - XX/XX/2018 at XXXX XXXX - XXXX XXXX XXXX - XX/XX/2018 Purchase Price : {$920000.00} Loan Amount : {$740000.00} Interest Rate : 6.625 % Down Payment : {$180000.00} ( 20 % )
On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. 

Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. 

I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )
I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.
XXXX XXXX 2014, I initiated disputes with Experian ; XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
On XX/XX/XXXX, I opened up a PayPal account to receive money, a total of {$50.00}, from a distant family member. I received the money into my PayPal account and began the transfer from my PayPal into my bank account. I first started with the instant transaction option which charged my account {$0.00}. A day later the money was still in pending status. I made a phone call to PayPal and they put the {$0.00} back into my account. The money has been in a pending transfer status since that day and I have called them several times within the past month. I have been told to wait 24-72 hours every time I made a phone call for them to trace or complete the transaction but I have not seen any progress or any emails regarding the situation.
My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.
MY WALLET WAS STOLEN AND I DONT KNOW WHO TOOK IT. SOMEONE OBTAINED A CABLE BILL WITH XXXX IN MY NAME I HAVE NEVER HAD XXXX
I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.
We can not afford offered Loan Modification from Ocwen Loan Servicing , LLC . According our Attorney who review the offered Loan Modification agreement from Ocwen Loan Servicing , LLC to us we are going to be bankrupt within a few years if we accept that. And at our pre-retirement age it is not acceptable. We found a Minnesota local nonprofit organization who has a Program for Homeowners like us who can not afford to accept a loan modification but have to stay at the property due to medical reasons. The Non-Profit purchases the property at the Short Sale without signing Arm 's Length Transaction According to Home Affordable Foreclosure Alternatives ( HAFA ) program as permitted under Supplemental Directive XXXX issued by the federal government on XXXX XXXX, 2011, and rents the same property back to Homeowners with hardship like ours. The HAFA directive provides that Servicers may " approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met. '' This quote is an excerpt from Supplemental Directive XXXX issued by the federal government on further information on the Directive issued on XXXX XXXX, 2011 ; the full relevant section of the Directive is attached. The Directive can be found at XXXX.
I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!