WillisBack/dataset-financial-user-claim huggingface dataset:
I have contact the Equifax, Transunion, and the various companies that have reported an inquiry to my reports. I mailed letters, filed disputes online, and also have called them to ask to remove the inquiry because they were NOT authorized by me. I have gotten no proof of signature or documents verifying the inquiry from any company or credit bureau that were reported. Please help me remove the items from my report because after several attempts via USPS, phone calls, and online disputes the companies have failed to provide me with paperwork with my signature.
I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?
Experian Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call Experian Opt Out at XXXX or write. 
First - XXXX XXXX XXXX regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on Experian, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via Experian is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. Experian 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want Experian collecting, or reporting any of my financial history.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.
We have been working on a short sale with US Bank since XXXX, XXXX. All documentation was confirmed received as of XXXX XXXX, XXXX. Per the guidelines, I waited 30 days for a response and did not receive one. I escalated the matter to XXXX XXXX, my point of contact 's supervisor, who stated that he would look into the matter. I followed up with him and cc 'd the negotiator on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I continued to follow up with him on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This has continued into XXXX, on XXXX XXXX and XXXX. I received a phone call on XXXX XXXX and spoke with a representative on XXXX XXXX who stated that they need to start the review over again because the appraisal they conducted in XXXX expired in XXXX, and nobody on their end did anything to order a new one, despite my near constant follow up with the file handler and her supervisor. I am concerned that they in fact did absolutely nothing with the file for over ninety ( 90 ) days, while my client experiences the stress of losing their home and the constant threat of foreclosure. I also have to keep the buyer interested in the transaction, and that is difficult when the lender sits on their hands for three months.
In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.
On XX/XX/XXXX, I turned in my XXXX lease and purchased a new vehicle. The lease was due to end in XXXX so it was an early termination. I had automatic payments set-up for the lease on the Ford Credit site. When I was signing my paperwork I asked if the payments would stop and they said yes so I did not do anything. Come about XX/XX/XXXX or XXXX I noticed the amount was still sitting in the auto payment for the lease and I tried to stop it but could not ( all done on line ). I guess I should have called but I didn't. At that time I thought well I will get a refund since it was an overpayment and I had this happen before and got all my money back. 
Well I did get a refund on XX/XX/XXXX ( check dated XX/XX/XXXX ) but it was short. So I called. A gal by the name of XXXX could not answer why it was short and said that the " End of Terms Dept ''  would call me the next day ( the XXXX ). No one ever called. Therefore I thought I will get the $ 47+ in the mail ( but no ). On XX/XX/XXXX I called again, XXXX helped me and I finally found out ( after being on hold ) that they withheld the taxes, because they were paid to the state. I laughed and said that was a foolish answer and I wanted to speak to someone else. So XXXX XXXX got on the phone and she matter of fact told me to go to the State of Florida to get my refund of the taxes. I told her that is totally ridiculous since I did not pay the taxes they did. And, I also told her that I know for a fact that they get a number of other payments in and that when they give a refund they can certainly deduct my portion from the others. She continued to state the fact they immediately send the taxes to the appropriate states and I would have to go to the state to get the refund. I again know this would never happen. I also told her that I am a business owner and know that if they would have refunded my taxes when I called it would have been in XXXX and no foul. It would have all been in the same month. I asked to speak to the leasing department and she said she would send them a message to call me ( I doubt they will call since I do not get calls back ). As of today the XXXX, I have not heard from anyone else about this matter. I personally think this baloney and Ford Credit is either lazy or keeping the money because technically the taxes to pay my state are not due till the XXXX of the following month ( XXXX ). Where is the customer service from this large organization?
A judgement was granted ( XXXX ) but the amount the collection agency is attempting to collect is incorrect. A check totaling the amount of {$130.00} was cashed and the balance should a lower balance.
I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.
I am writing to bring to the CFPB 's attention of NAVIENT 's non-compliance with the law. I am writing about loan number XXXX. In 2013, I checked my credit report and I saw a fraudulent account XXXX XXXX on my credit report. I NEVER opened a student loan account with them nor sign any documents. I did an investigation and found out that " XXXX XXXX XXXX '' fraudulent included me as a co-signer in the loan without my authorization. I filed a police report with the XXXX Police Department because I lived in XXXX at that time. In the police report and affidavit, I stated that the student loan account was opened without my permission, and that my signature was forged, and I never " co-sign '' for any student loan. I forwarded it to the XXXX XXXX fraud department, and they never took care of it. It still shows up on my credit report. I told XXXX XXXX to remove my name and failed to remove it and holds the law in contempt. Please investigate this illegal matter and hold XXXX XXXX ( now NAVIENT ) accountable.
I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.
My husband and I rented a house from XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, TransUnion, and XXXX. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
This credit card account is not mine. I have contacted the original creditor XXXX XXXX and the collection agency handling the account. they said it was opened on line, they are unable to provide me with any signed contracts regarding this or validate the debt. I have never even heard of this company. They have now sent it to the credit bureau and said Im responsible for the debt. I dont understand how they can hold me liable for a debt that is not mine? It is fraudulent or they have made a mistake somewhere within their company either way this is not my debt. I want them to remove the debt from my credit report and seize any further collection attempts toward me and stop credit reporting regarding this account. Thank you.
I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?
On XX/XX/2018 Equifax has responded to my previous complaints, that they require me to send a copy of my drivers licence and social security card before they will make the needed correction to my file with them. I have provided them proof I owe nothing on this XXXX/XXXX collection item, more than 6 times. Now suddenly, they require ID to proceed any further. I have repeatedly proven amply who I am by all of the normal ways used by them and all other CRA 's. I question why Equifax is stalling me on removing this false collection claim from my record with them, as soon as I gave the XXXX balance in voice to the other CRA 's, they quickly deleted all record of the collection from my files with them.
My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related information ''.
Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.
XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.
Due to a subprime loan by XXXX XXXX XXXX, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. XXXX XXXX XXXX Foreclosed on my home in XXXX, and no other activity occured on said account since. XXXX XXXX XXXX reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both Ditch Financial LLC, and to XXXX XXXX XXXX to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.
I received a debt collection letter from XXXX XXXX XXXX XXXX regarding a negative paypal account balance on XX/XX/XXXX Knowing I didn't have a negative balance, I called their service number immediately, and they informed me that someone opened an account in my name under the email : XXXX They had my SSN, name, everything. The man at Paypal told me my identity was most likely stolen, and to file a police report, freeze my credit, etc. and they would file it for a fraud investigation. I call them again on XX/XX/XXXX to see when I would be able to access my acounts again, as I do a lot of business online. 

They told me that they reviewed the case, and didn't see it as fraud.. They are now asking for the negative balance of {$770.00}, and that they find me responsible. I offered the case file # that I filed with the XXXX County Sheriff 's Department for them to re-open it, since my identity WAS stolen and they refused.

It's ridiculous how un-helpful they were. I am astounded.
Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.