WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I initiated a dispute with Experian regarding 4 XXXX accounts. I explained that these accounts were Fraudulent Accounts. I later called Experian back after reviewing several copies of my Experian report and informed them that not only are these accounts Fraudulent, they are changing the charge off date and re-aging the pay history which in turn causes great damage to my credit score and resets the Statue of Limitations. This was information that I wanted Experian to be aware of but instead they closed my dispute of these accounts being Fraudulent Accounts and changed it without first informing me that this will happen and second without my right to decide how I wanted these accounts disputed. OnXX/XX/XXXX, I received a dispute results letter indicating that XXXX updated information ; however, nothing has changed on these 4 accounts. I contacted Experian several times on yesterday. One representative told me that my complaint with CFPB has been closed because my documents do not show anything and XXXX can change the charge off date if they choose. One representative told me that the dispute with XXXX is closed and it will take 30 days for the database to change anything on my report due to the XXXX Breach and Experian being overloaded with paperwork. One representative told me that my dispute onXX/XX/XXXX should have not been changed without my permission but it was. One representative told me that the dispute results I received was computer generated and no one has control over what letter is printed all they have control over is the name on the letter. I was also told that Experian is not required to validate anything ; They just wait for the creditor to tell them yes or no to the disputes and whatever it is they take the word of the creditor.
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and Experion/  XXXX   was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
On  XXXX / XXXX /  XXXX   I obtained my credit report pulled by   XXXX   XXXX   XXXX   in order to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  Credit Acceptance.  I have emailed, mailed, called, and faxed correspondence in regards to seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company in regards to this account.
XXXX XXXX has appeared on my credit file through Transunion. I disputed XXXX in the past and it was removed off of my credit file. Once item has been removed off of my file you can't re report that information because of the Fair Credit Reporting Act
Charging me way too much on a monthly basis with no cares about how this impacts my life or if I have other lenders servicing other student loans.
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report. XXXX XXXX XXXX XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Hi, American Express Credit card Reported my credit Bureau NEGATIVELY and hit with XXXX Point down and i do not know why!!! I oay bill in time never had a late payment with them, my account has a good standing even they can tell you that. So please make a good investigation with them. 
Also i Attached picture for my credit report with XXXX and XXXX report for whta they did. 
Thank you
Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.
Multiple times if I was having trouble staying current on my student loans, I was only offered forbearance instead of any other option to make my loan more affordable for repayment. I was never offered any income driven options. In fact my loan was placed into forbearance 3 times over the life of the loan so far, equaling several years of interest accruing. To give details ; the initial amount borrowed in XX/XX/XXXX was {$67000.00}. The current that is owed as of XX/XX/XXXX is {$65000.00}. My monthly payment is {$600.00}. How can I possibly have only paid off {$2100.00} on my loan over the span of 17 years! This is outrageous! 

In every conversation Ive had with a representative of Navient ( Sallie Mae ) when they are calling to try and collect a payment, they always add the upcoming payment that may not even be due yet to the amount they are trying to collect. This makes it sound like I am farther behind on my payments than a truly am, and is very deceptive. 

When Navient took over Sallie Mae, they reported late payments that were over a year old on the new Navient account. This put a mark on my credit and decreased my credit score significantly. I filed a dispute on my credit report, but the mark still remained. Recently, I applied for the Public Service Loan forgiveness program. Navient was supposed to put my loans into forbearance during that time but didnt and now I have more late payments showing up on my credit report.
I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through!
My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.
From mid-XXXX through XX/XX/XXXX due to Equifax 's negligence with protecting my private data, my personal information ( Social Security number, Birth Date, Addresses, Credit Card numbers, and driver 's license number ) was mishandled and leaked to hackers. 

In Equifax 's own words on their website, unauthorized access occurred from mid-XXXX throughXX/XX/XXXX That is almost 2 months of my personal data being leaked to hackers, which have most likely  made it publicly accessible by now. 

In addition to mishandling my personal information, Equifax failed to alert me to this failure in a timely manner. Instead of being notified by Equifax, I found out about this through the media ... .on XX/XX/XXXX. On XX/XX/XXXX I went to Equifax 's website ( https :  //www.equifaxsecurity2017.comXXXX ) and was shown the message that I was affected by the information mishandling. 

All in all, Equifax mishandled my data several months ago and never sent me any kind of mail, phone call or e-mail to notify me, which is quite a horrendous act on the part of the company.
I had my bank make a {$100.00} electronic payment to Capital One on XX/XX/XXXX. It was posted to my bank account on XX/XX/XXXX. As of XX/XX/XXXX it has not posted to my Cap One Acct. They now consider my acct past due and have suspended it. Four phone calls including one with my bank on conf, one chat session and 11 people and 4 days and I know no more now than when I started
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX.
I attempted to purchase a home and the lender pulled a hard inquiry on XX/XX/18. He told me later that they might do a soft pull for some items but would not be doing another hard pull. On XX/XX/18 both the lender and the agency they work with did hard inquiries. I was never told there would be two on the XXXX and was told they would be soft inquiries. My loan was ultimately denied ( they texted me to tell me- no call, email or any documentation ). I am not happy that three hard inquires came from this.
They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.
I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.
In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.
I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.
I got served a Summons from the Attorneys of XXXX XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. 
I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of XXXX XXXX XXXX, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while XXXX XXXX XXXX is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.
I am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.
In   XXXX   I had a  XXXX , I contacted  Wells Fargo f or a temporary payment plan while I was in recovery.As I called to make sure that I did not default on my mortgage I got different stories. The end result was to reapply for a loan modification.Then  ASC  was the servicer.     I work in a resturant and have a 20 % investment in the job where I work.  Wells Farg  o/ASC req uested tax return from the  XXXX  where I work. I had to beg the owner to allow me to show the tax return from their business.Now after going through all of that the person that was working on my file was transferred and the new woman assigned said that they did not need it.     If I sent  Wells Farg  o/ASC wha t they requested today in the next  two  days they would say the Underwriting was asking for this or that ..and then come to find out it never made it to Underwriting yet.   Then there is re-entry and they told me that there is absolutely nothing that I can do to save my home from foreclosure. They said I have used all of my chances and they will not consider any help for me!   I have saved money that I could pay a good faith down payment and go on trial payments toward a plan to save my home. They absolutely would not discuss it.
I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.
My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need help!