WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( 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 Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.
My loan was assigned to Green Tree and they changed their name to Ditech. Since taking over my loan they state that I am late with my payments. Now they say I have not made payments. This loan is paid from my bank 's bill pay every month on time. I have proof from my bank. Ditech 's own statements they send me, even shows when I paid them, yet I am supposedly in arrears.
Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.
On XX/XX/19 my XXXX XXXX  account was frozen because of a court judgement from XXXX XXXX XXXX. I have never heard of this company and I no idea why I would have been sued by them. There must be a mistake that I am being blamed for. I am currently unemployed and looking for a new job. The money what was frozen in my account was to provide diapers and food for my XXXX small children, both under XXXX years old. I need to have this addressed as soon as possible. Please let me know how I can have this resolved.
Navy has charged me many fees. A couple of the fees they told me they sent me noticed and I opened it and I have not. Ive called navy 2 times now and even talked to a manger where they are very disrespectful rude and discriminatory towards me and my family. Telling us the fees are there and wont do nothing about them. One employee told me stop doing things where I would get feed
Navient has n't been very helpful at all. I set it up for them to take my payment straight out of my bank. Well after a couple of months I started getting charged late fees for no reason. I called them to check why and they told me that I did n't have it setup to get my payment taken out of my bank. I checked their website and there it was ... my bank account information was still there but they were n't taking the payments out. I called back to let them know and they continued to tell me I had to set it up on their website. I also tried to get my loans reduced after going through some financial trouble and they told me I did n't qualify. Told me the only thing I qualified for was forbearance or postponement. They have been pushing for me to do forbearance or postponement for over a year now. Well I now have several late fees and am numerous payments behind due to all the misunderstanding on their end. I do n't feel as if I should have to pay any of the late fees due to their mess up.
I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.
On XXXX XXXX, my wife and I requested a credit investigation with Equifax. As of today, well over 30 days have passed, and we have yet to receive a response.
I need your help for one more time. 

Currently Bank of America is reporting to all Credit Bureau my VISA  and MASTER credit card as account closed with close status DEROGATORY since i had unpaid balance on it. 

Now I have paid in full due amount of {$9600.00} on XXXX-18 to my VISA a/c # XXXX XXXX XXXX XXXX and also settled and paid {$22000.00} on XXXX-18 to  XXXX XXXX XXXX XXXX ( authorized agent of BOA ) for my MASTER card a/c # XXXX XXXX XXXX XXXX. My both account should have XXXX balance now. 

My only request is to report/show close status as CLOSED rather than DEROGATORY. 

I would appreciate your help in this regard ...
Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.
Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.
US Bank changed the Rewards program rules and benefits on their FlexPerks card for XX/XX/2018. The website shows a value of {$.00} per point for travel purchase. In addition to the travel site for purchasing air tickets they offer and instant rewards program. I called several times on XX/XX/XXXX to discuss the various benefits because I couldn't find it online. It was my understanding that the mobile instant rewards program worked the same way for travel. 

Since I didn't receive the point exchange text as I expected for an air ticket I purchased I called again on XX/XX/18 to get the problem corrected. After a considerable time discussing and waiting on hold I was told the instant rewards mobile program was valued at {$.00} for travel as well as everything else. I maintained that the website rules did not state any of that. I was told by the representative that they would find where the site states those rules. Again after a considerable wait I was told that the site doesn't state that but I would just have to take their word for it. 

As far as I am concerned it is false advertising. Although it may not be intentional it is definitely not what I understood. I am out the {$530.00} but still have the points.
I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.
I initiated the transaction to transfer the amount {$9500.00} to my XXXX account on XX/XX/XXXXand {$3000.00} on XX/XX/XXXX. Later on, i had to cancel both of transactions onXX/XX/XXXXas my family was in need of money early while transactions were taking much time. 

Then i followed up with Western Union about my refund amount and i was said i will get my money back within 3 business days.

I followed up again after 3 business days, i was said by customer associate that Western Union never got the money, chase with your bank ( XXXX XXXX XXXX in my case ). 

I followed up with my bank associate and they confirmed that mentioned amount has been deposited to Western Union already and they never returned it back. 

Again, I followed up with Customer representative of WU on Wesnesday XXXX and i was said that they are going to open 2 new cases for my issues and you will get it sorted out within 24 hours.

When i did n't get my issue resolved, i called to customer care again on XXXX but again i was said to wait 24 hours more. 

Now today isXX/XX/XXXXand i am still waiting to get my money back. I am having feeling that its like a scam or cheating as they even after more than 15 days, i am waiting for my money. My family in XXXX, who were in need of money, they had to borrow the money from other sources and paying hefty amount as interest.
I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.
I have an open case since XXXX with the CFPB # XXXX A quick refresh ; Experian is still reporting said company " XXXX XXXX '' on my credit report. 
" XXXX XXXX '' is conducting business under a new XXXX XXXX, or other XXXX XXXX 
Not XXXX XXXX ''. Yet Experian repeats that they are reporting correctly? 
How in XXXX 's name is that possible? A ghost company is reporting on my credit report? 
I received no validation from XXXX XXXX, because they do not exist. 
I want this removed from my credit report for this reason alone. 
They, Experian is not abiding the law, if not removed by Experian, I will take my complaint from XXXX and sue for credit damages from that date to present. 
I can wait until it falls off in XXXX automatically, it is the principle now. 
That Experian should be held accountable.
The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.
On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.
I notified Equifax that the address that they are reporting on my credit file does not belong to me. They opened a dispute and said it could take up to 30 days. Well i got an email on XX/XX/18 that the dispute was complete. However the address still show on my credit report.
I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.
I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX
Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?
In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. Equifax said they take a while to update. Do after waiting a year I disputed it again. Once XXXX XXXX XXXX  was contacted they did another unauthorized hard inquiry last week. I call Equifax and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form S3 registration statement, ( b ) Federal Reserve form 424 ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR 2046 balance sheet ( s ), ( d ) Federal Reserve form FR 2049 balance sheet ( s ), ( e ) Federal Reserve form 2099 balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
I had a medical bill from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The medical date has been paid and I have the canceled check to prove it. They send my account to collections to SUBURBAN CREDIT CORPORATION XXXX XXXX XXXX, XXXX, Virginia XXXX