WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I filed a dispute with Transunion after filing a dispute with a collection Agency ( XXXX XXXX XXXX XXXX XXXX ) regarding an item that appeared on my credit report. The collection agency agreed to have this item deleted from my credit report and sent me confirmation which is attached that this item will be deleted due to their error. All other credit unions deleted this item based on the facts and evidence presented. However, Transunion did not and inaccurate information still remain on my credit report. Despite the being provided information from the hospital collection agency stating that this item should not have been reported.
i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft
XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated.
In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with Experian. I also filed a complaint with the FTC, which I have attempted several times to upload to the Experian website per their request, but it keeps crashing.
I disputed a Chapter XXXX Bankruptcy through a letter to TransUnion ( TU ) dated XX/XX/XXXX. I received a letter from TU dated XX/XX/XXXX, which discusses their investigation procedure for public records. They said in their procedures they will either make changes to my credit report with the information I provide or they will investigate the dispute by contacting the source of the information. In this case, the source of this information is the Indiana Federal Court-XXXX. 

I received the investigation results from my dispute with TransUnion dated XX/XX/XXXX. The bankruptcy record on my report is " updated, '' according to TransUnion. They failed to remove this Chapter XXXX Bankruptcy from my report. 

I previously sent a letter to the Indiana Federal Court-XXXX, asking how they verify information with the credit bureaus. They state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' Also, I have have completed security freezes with XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). 

All documentations are attached to this complaint.
I placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.
I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's  XXXX    XXXX   XXXX   XXXX    and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.
On XXXX/XXXX/2015 Identity Theft report. For medical bill and cable bill. On my credit report. I mail copy of police report, copy of my social security card and driver license to XXXX. Then I received a letter from XXXX Please be advised that XXXX, at this time, will not block the information subject to the submitted identity theft and / or police report you provided as part of your dispute. We are contacting each creditor directly to verify the accounts on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. The police report is regulated by law and secondary dissemination of any kind is prohibited. 
Case # XXXX police report.
I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 an d Experian still showing in my credit report   XXXX   account late, I only hav e   XXXX   new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks
Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?
In XXXX of 2011 my mortgage company, Ocwen, modified my mortgage under the MHA-HAMP program. I believe this modification was unfair, deceptive and predatory. I only recently realized that the term of the modification was only for 47 months with a ballon payment of approx {$210000.00}!! Given my financial circumstances, it does n't take a genius to recognize the fact that I would never be able to make such a ballon payment. Therefore, I believe that the modification that Ocwen gave me in 2011 was nothing more than a deceptive and predatory ploy to collect partially on a debt. Ocwen also recently denied my new request for a MHA-HAMP modification saying that I had " too much equity in my home ''. Then Ocwen said that I was n't eligible for HAMP because the maturity date for the ballon had expired. Ocwen were the ones that put me in such jeapordy in the XXXX XXXX place
I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.
On XX/XX/2018 an auto debit came out of my account. On the same day before end of business I submitted a deposit to keep from overdrawing. ( I am supposed to have overdraft protection ). I noticed that on the XX/XX/XXXXI still received a overdraft charge ... ... In the past the bank charged me fees that I had resolved and I had to submit screen shots of how they post charges ... ... I requested for the fee to be waived so I can close the account. They would not allow it. Though I satisfied the overdraft before the transaction posted. They told me that if I satisfied the charge before by today end of business that I would be able to close the account. But when I tried I looked in on my account and they had charged me another fee ... my account was overdrawn by {$2.00} then for XXXX then XXXX. I requested a fee reversal for the new fee and they refused .... all of the issues that I have associated with this account have all come mis information from the staff and supervisors at this bank. But they keep trying to roll me in overdraft fees so that I can keep paying them. Im quite sick of it. I just want the account zerod out and closed.
Hi, I have recently found out through my credit report that ACS/Conduent education, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, ACS is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited ACS 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that ACS often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as ACS seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that ACS handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. ACS 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
I received a correspondence for Sears indication that XXXX reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. Sears responded by instructing me to destroy my credit card in which I have good credit with Sears for years. 

XXXX, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As XXXX has had a breech I believe in good faith that this is the result of this error in my credit.
I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.
I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time
Near the beginning of XXXX of this year I setup my Barclay 's XXXX XXXX XXXX account to have the minimum payment due drafted from my bank account at XXXX XXXX XXXX XXXX on the payment due date in XXXX. 

I forgot I had setup the auto draft and paid the minimum due on XXXX XXXX. On XXXX XXXX Barclay 's drafted my bank account for the minimum due resulting in the payment being rejected due to lack of funds in the account. I was in the process of changing banks and had very little in the XXXX account. When I saw the charge for the returned item by my credit union, I immediately went to Barclay 's website and cancelled the automatic draft. On the XXXX of XXXX, I receive a confirmation email stating that Barclay 's has canceled all future auto drafts. On XXXX XXXX, Barclay 's submits another draft to my credit union for the minimum due resulting in another rejection fee by my credit union. 

When I called Barclay 's for an explanation and for an refund of the overdraft fees, they tell me that because the first draft was rejected due to insufficient funds they submitted it again. Even though I was informed by Barclay 's that no future repeat drafts would take place. 

Barclay 's representative told me they have right to resubmit the request for payment. I asked about the email stating all future drafts would be stopped. The draft made on the third did n't count because it was still scheduled and even though all future drafts are cancelled, they still had to submit the draft as scheduled. 

I think I should have all of my bank insufficient fund fees reimbursed for the following reasons. 

1. On XXXX XXXX, I paid the minimum due. The auto draft was established to pay the minimum. The minimum due by the time the auto draft was to take place was XXXX 2. I received an email from Barclay 's stating all future auto drafts would be cancelled. The next draft that took place happened at a future date after being informed all future drafts had been canceled. 

3. When asked, the Barclay 's representative could n't tell me where in the credit card 's documentation it explained the process they use once a payment is rejected due to lack of funds. My question is, if the representative does n't know where in the account documentation the process is stated how am I supposed to know about it.
On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.
Capital one credit offered XXXX XXXX XXXX. I downloaded there service over a year ago. TO my surprise, the credit scores they give me do not match XXXX, XXXX or XXXX. I am told my credit scores should be XXXX but during a recent auto loan, I was told XXXX? Capital one XXXX XXXX  is misleading. They are not reporting the credit credit scores. Credit wise may be using a 3rd party reporting but they do not disclose that information on the scores showing on the mobile app. Very misleading. WHY PROVIDE MOBILE APP XXXX XXXX IF THE SCORES DO NOT MATCH XXXX, XXXX, OR XXXX? These are misleading factors. 

Therefore, XXXX XXXX is not a true link to the credit reporting agencies. FRAUD on Capital one. 
XXXX XXXX IS ONLY advising of the possibility of your credit but are not linked to the reporting agencies for FICO SCORES. Once again FRAUD for XXXX XXXX.
On XX/XX/XXXX I reported to XXXX Experian and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
A request was made by me to terminate my lease at Pleasure Bay Apartments, XXXX XXXX NJ prior to the end of the year term due to a job change in another state for a move out date of XXXX XXXX XXXX. The original year lease was until XXXX XXXX XXXX. A week prior to moving out I visited, in person, the XXXX XXXX Office on XXXX XXXX. An employee of XXXX informed me that there are other tenants that are scheduled to move in XXXX XXXX so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from XXXX XXXX regarding the situation of incoming tenants even though the request was made in XXXX XXXX. I then started to make arrangements to move out and move into an apartment in Connecticut under the impression that if the information I was told changed in any way, I would be notified of the changes. No update was received. The move out date of XXXX XXXX came, and I moved out. A month later, I received a bill which included final charges related to wear and tear from 4 years living there as well as a charge for one month rent. I then called Pleasure Bay Apartments about the charges and disputed the month rent charge. They informed me that the incoming tenants never moved in and that I was liable for XX/XX/XXXX. This is the first time I was informed of a change in the verbal agreement that I received on XXXX XXXX XXXX. During the call, I disputed the charge with a woman from XXXX XXXX. An agreement was never met and this is the last contact from Pleasure Bay until a call from a collection agency on XXXX XXXX XXXX If I had be told of the incoming tenants moving out I would have cancelled my arrangements and continued to stay at Pleasure Bay until a tenant was found. Instead I was never contacted and as a result I have been charged for the apartment for XX/XX/XXXX when I never used it. They were aware of me moving out because they never contacted me after to reschedule another move out date and took it upon themselves to move me out next month and send me the bill then. All the paperwork, including the bill received, the person I communicated with at XXXX XXXX, the statements that were made by her, as well as any paperwork related to living at XXXX XXXX, and the collection agency letter are available.
A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and II do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The XXXX time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.