WillisBack/dataset-financial-user-claim huggingface dataset:
I recently downloaded a Equifax report o  XX/XX/XXXX  due to having an update from   XXXX   XXXX   stating that I had recently been a victim of the system glitch when multiple inquires had been added back to my report. I contacted Equifax on  XX/XX/XXXX  and was informed I would have to reach out to each individual creditor even though this was a Equifax Glitch and would not remove the Inquiries. I am requesting that these be removed. Not only that I had a Security Freeze on my report for the last 3 years and this should had never happened. I   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous   XXXX   XXXX   XXXX    XXXX , TN  XXXX  (    XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX   XXXX    XXXX , TX   XXXX   (   XXXX   )   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  .
 XX/XX/XXXX   XX/XX/XXXX Telephone Companies   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , CA  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Auto Financing   XXXX   XXXX   XXXX   XXXX    XXXX , VA  XXXX  (   XXXX   ) L   XXXX   XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX  Auto Financing   XXXX   XXXX   XXXX   XXXX    XXXX , VA  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX  All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , VA  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX  All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , VA  XXXX  (  XXXX   )  XXXX   XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX  National Credit Card   XXXX   XXXX   XXXX   XXXX    XXXX , MD   XXXX   (   XXXX   )   XXXX     XXXX  XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.
  XXXX   XXXX   XXXX    XXXX , MD   XXXX   (  XXXX  )   XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX  Auto Financing   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Mail Order Firms   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , MN  XXXX  (  XXXX  )   XXXX     XXXX   XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX  Auto Financing   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TX  XXXX  (  XXXX  )   XXXX     XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , AR  XXXX  (  XXXX  )  XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , AR  XXXX  (  XXXX  )  XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , AR  XXXX  (   XXXX   )   XXXX     XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX  Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , VA  XXXX  (   XXXX   )   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Personal Loans Cos.
  XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  (  XXXX  )  XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  , AR  XXXX  (  XXXX  )  XXXX
I keep getting calls while at work ( Ca n't have my phone on me ) but every time I try to call they do n't answer nor listen to my voice message that provides my call back information.
Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! Thank you
JP Morgan owes my student loan # XXXX but their servicer XXXX XXXX XXXX changed my due date from the XXXX which I had for several years was changed without my permission to the XXXX which will not work my pay cycle all my other loans are due on the XXXX, and I have tried to change it many times but I kept getting told different answers, I do not know why my due date keeps getting changed. I believe that is illegal to go in and change any due dates unless I asked for them to be changed. I have tried to discuss other matters with CHASE but they refuse to discuss anything with me, they are still responsible for any actions that XXXX takes on loans because they still own this debt, if XXXX does not get its act together I may have file bankruptcy and that way no one would get anything. It is difficult to get a bankruptcy that includes student loans but based on the numerous actions taken by XXXX, I may not have a choice. I have a controlled XXXX XXXX XXXX but everything I talk to XXXX, my XXXX XXXX level goes up, I had to go to the emergency XXXX night because of them. My doctor advised me to have them contact me by email only because talking to them is no longer a good option. XXXX XXXX is a known liar and will not take the time to actually investigate a complaint, I have filed numerous complaints inside XXXX and I do not hear anything. Chase has a part in this also, they think because they do not do anything with the loans, they do not have talk with me but that is not true. Per the Consumer Financial Protection Bureau, you have a duty to deal with the complaints, you will only contact XXXX for their side of the story which is not a real way to solve a complaint. XXXX is a horrible servicer and I wish not to deal with them anymore and would rather file bankruptcy so I can have a healthier life.
XXXX/XXXX Inquiry XX/XX/2017 I do not recall giving the above company permission to access my credit report from Transunion or any other credit bureau, I request proof, rather it is my signature, or voice recording giving my premission to access my credit bureaus
I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
This debt was paid more than 2 months ago and still showing up as a collection in my credit report Please erase it as soon as possible Thanks
PMAB is a collection agency for XXXX XXXX XXXX XXXX. This was filed on bankruptcy and yet it is still on my credit report. They have copies of my discharge date but still are trying to collect.
Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.
On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.
Last fall, Citibank offered a {$400.00} interest bonus as part of a promotion for depositing {$15000.00} in a newly opened checking account and leaving the funds in the account for 30+ days. I opened a new account with them on XX/XX/2016 with a {$15000.00} deposit, and left all the funds in the account for 35 days. The Citibank promotion said the {$400.00} bonus would be paid within 90 days of meeting the deposit requirement. We are now well past the 90 day time period, and I have not received the bonus. I opened up a case with Citibank 12 days ago to see why they did n't fulfill the promised bonus, and they have not responded. Since I am getting no response from them, I hope the CFPB can help me to get a response.
A Collection Agency called Alliance One has some personal information and they say I have a debt. I have never heard about this agency.
Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Account Resolution Services is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.
I am a victim of ID Theft and have already notified my local police department and have a fraud alert setup on all 3 credit bureaus ( XXXX, XXXX and XXXX ). I monitor my credit daily and have all supporting documents supporting my ID Theft. XX/XX/2018 I received a collection letter from XXXX  stating I had an outstanding debt with XXXX XXXX XXXX XXXX XXXX for {$100.00}. I immediately in writing notified XXXX via certified, return receipt mail of my ID Theft and sent over Police report, FTC ID Theft report and request for Validation of this said account. I have never opened an account nor have I given anyone permission to open any accounts with XXXX XXXX XXXX. I received proof back that XXXX received my request but never received anything else from them showing they could even validate this account. Fast Forward to todayXX/XX/XXXX I received an alert from my XXXX credit report that a collection account was added by Diversified Consultant. So here 's where the problem lies. Number 1 I'm going to assume that Diversified Consultant purchased a fraudulent debt account from XXXX and or XXXX XXXX XXXX who knew this account was due to ID Theft and who never responded to my request for Validation. Number 2 Diversified Consultant has not one time contacted me in regards to this XXXX XXXX XXXX  account via mail or phone because if they had, then they would've been notified in writing via certified mail that this XXXX XXXX XXXX account is due to ID Theft and to send me all Validation pertaining to this account. That never happened and I was never notified by anyone from Diversified Consultant. Diversified Consultant has seriously violated FCRA rules by throwing this inaccurate, fraudulent account on my credit report without contacting me first and giving me written notice that they had bought this fraudulent debt and allowing me 30 days to dispute said debt due to ID Theft. Then I would've been allowed another 30 days to received whatever Validation they had and then go from there. So with that being said I have already filed a complaint against Diversified Consultant with Consumer Finance Protection Bureau, now with XXXX and next the Illinois State Attorney General. Diversified Consultant never sent me any written notice of said debt nor allowed me time to dispute it. This account needs to be removed off my credit immediately or I will be seeking legal action against Diversified Consultant and will sue them to the full extent of the law.
XXXX reported a late payments while I was in a military status on duty and did not furnish documents to me pertaining to a late payment.
XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had not responded. XXXX removed the item, but XXXX  and XXXX still have it on my report. They are in violation of the law. 

I want this removed off my credit report on all credit reporting agencies immediately and also a letter from XXXX XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.
I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.
On XXXX XXXX I converted my checking account to a low fee checking account ( the previous account required a certain amount to be in the account for the month - {$2500.00} XXXX. This I believed would lower the charges. In XXXX of XXXX i began to received {$30.00} overdraft fees on my account. I initially paid the first fees - then other fees were charged. I called my bank and was informed that the checking account was changed to an account that would allow the bank at their discretion to pay and overdraft my account. I have argued and now I am being assessed fees for my account continuing to be overdrawn.
American Service Co. has denied our Loan Modification due to " more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status.
We made several attempts to speak to someone at Portfolio Recovery Associates these past few months. In every attempt this company would hang up on us. This debt was settled by XXXX back on XXXX/XXXX/14 and signed by XXXX XXXX an associate at Portfolio Recovery Associates. They are now trying to collect the remaining balance even though they agreed to a lesser amount. We have the PDF from XXXX of the settlement amount signed by XXXX XXXX, a representative from Portfolio Recovery Associates. This has been negatively affecting our credit for over a year now.
I have own my home for 19 years and I went thur the banking crisis in XX/XX/XXXXand I had trouble with Wells Fargo to give me a new mortgage. finally in XX/XX/XXXX I got a new mortgage thur making homes affordable. but my issue is why did it take so long for Wells Fargo to give me a new mortgage when I was ready back in XX/XX/XXXX. Now my beef with them is they took all of the arearage and legal fee and etc. They rolled it all in for me to pay. When I started I owed {$110000.00} and when the gave me the new mortgage it was up to {$220000.00}. Yes they did give some payback relief but I want to know why is it all on me for the arearage when all I could do was wait on them they took the 6 years. not me I was ready in XX/XX/XXXX. I want  to know if the guide lines for making home affordable is that the consumer has to carry all the burden of arearage when we really our hand are tied all we can do is wait for big business to tell us what we are going to pay. I contacted wells fargo and they told me that they did everything right. So I have been in this payment arrangement now since XX/XX/XXXX and still I have no answers. please what is the rules for this. THANK YOU
I was contacted by the lender and told i was eligible for a {$3000.00} increase. She asked me if i rent and what my monthly rent was. I advised her i had just refinanced the loan. She stated I was eligible for an increase and asked if I wanted the full {$3000.00}. I advised her that I did not want my payment to go over $ 300 monthly. She stated she would call me back after she processed the paperwork. She never obtained my permission to pull my credit. The next morning she advised me the company declined to extend the credit. I advised her I had discussed the fact that I had just refinanced prior to her offering an additional loan. She advised me I was eligible for the loan but the company declined. I have received a copy of my consumer report with a hard pull from the lender. I have contacted the office to report this.
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID and ( please see attached Credit Report excerpt ).
I am writing this letter to dispute the denial which we received on XX/XX/XXXX to our recent request for termination of PMI. The reason on the denial letter from our mortgage company was  “Ditech has obtained a valuation showing the value of the property securing the mortgage has declined below its original value.”According to the appraisal report requested through the Ditech process, the appraiser report values our property  at XXXX. The purchase price of our property XX/XX/XXXX was at XXXX which was the appraisal value at the time.  This is an increase in value and not a decrease in value.Our current loan amount as of XXXX XXXX is XXXX  which gives us the loan to value to warrant the cancellation of our PMI. Our request is to have the PMI cancelled as requested through the Ditech process. Please review . Thank you!
I contacted Quicken Loans for refinancing my mortgage and rolling in a HELOC. I informed them that I had foreclosures in my credit history and they told me that because the properties that were the subject of the foreclosures were not dwellings ( they were undeveloped lots ) Quicken did n't consider them to be foreclosures. While I did not understand why they said this it was obviously beneficial to me so I was pleased. I submitted an application for a conventional mortgage. At some point during the process I was informed that because of the foreclosures I would no longer qualify for a conventional mortgage. I had to change my application to FHA which calls for PMI. At closing I paid approximately {$3400.00} for PMI and am now paying approximately {$130.00} per month for PMI. Over the life of the mortgage, 30 years, this will cost me approximately {$51000.00}. There are many emails between Quicken reps and me that substantiate my claim. I also wrote a letter to XXXX XXXX, President and CEO of Quicken, but that only produced a phone call from XXXX of their reps explaining that they would n't do anything this issue. Quicken has never denied my version of this incident. They offered me a {$500.00} discount on closing costs of a refinance in 4 years if I want to refinance my current FHA mortgage for a conventional. This is a joke. I have much more detail on this matter available, including the letter I sent to XXXX.
This complaint is for XXXX XXXX being a slum lord, which has cost me nearly a million dollars on their behalf, to do repairs to a house they claim to own ( although I learned they actually illegally foreclosed on it. ) They have repeatedly tried to illegally evict me from this house, and for 4 years have ignored their management responsibilities as a landlord, have not honored my lease ( contract ), and have forced me a tenant to foot their nearly 7 figure repair bill.

The total due to me exceeds a million dollars, including amounts in a separate complaint for attorney fees & costs, for them trying to illegally evict my family repeatedly.

See attached for details.
Equifax has been notified their information is incorrect on the following account : XXXX XXXX XXXX XXXX Ive reviewed my records and the last activity on this account occurred XXXX/XXXX/XXXX with my check # XXXX. No further activity occurred. If the creditor claims otherwise Im asking that Equifax require them to provide proof of any such alleged activity and by proof Im not simply referring to their printed records. They must provide a ledger accounting of any activity beyond the date Ive listed. Otherwise Equifax should remove this account entirely. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me.e. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.
I was applying for a credit card thru XXXX XXXX XXXX and i did get the c.c .However the agent asked if i was paying a mortgage & i said yes for 10 years. the agent said i may want to contact my mortgage co. because they have not reported it to the credit bureaus! I called numerous times and each time Nationstar employees gave me another dept. to call. The last call was supposely their bankruptcy dept., phone # XXXX XXXX XXXX. I spoke with XXXX and she was confused because they were a law firm that did do some work for Nationstar but was NOT their bankruptcy dept.! She did say that they have had similar calls from other people thinking that they were Nationstar Bankruptcy Dept.! 
I just want my payments to be reported to the credit bureaus but can not contact anyone to even report this to!!!! I am very aggravated.