WillisBack/dataset-financial-user-claim huggingface dataset:
I went on transunion XX/XX/XXXX and got message to try back due to technical error in 24 hrs. I needed to submit disputes. Then the XXXX company I tried XXXX only gave me the option to gather all my ID, etc. and mail it. sorry, but I do n't have time thats why I went online. I like most people work 10 hrs a day, and I do n't have time or access to a copier, and I would not be allowed to use it at my strict job, which I just got. 
Okay, so today is XX/XX/XXXX and I went back to transunion site way after 24 hrs and am getting the same message. please fix this problem. I need to submit disputes. thanks
The appraisal ( 16-VA-517 ) was and is so defective that the VA Appraiser attempted to amend and supplement the appraisal either retrospectively or with the facts as he had established them. The VA Staff Appraisers refused him that necessity. He immediately refunded me the costs I paid him for that appraisal. I told the Originator that the appraisal was wrong, I told the closing agent and it is obviously so defective that it in no way reflects public records.
Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.
The credit collections agency in question only contacted me once by phone and once by mail well over a year ago, and suddenly, I have a negative credit flag on my credit score. While I 'm sure that I passed a time deadline to make payments on this account to prevent this from happening, the lack of communication from the collector is not only surprising, as I 'm used to being called monthly when I forget to pay a bill, but also irresponsible, as negative flags like this can remain on an account for XXXX years. I recently graduated college and would like to do things such as consolidate my student loans, possibly finance a newer car in the next few years, and get a mortgage to buy a house, but this XXXX item is going to seriously hinder my ability to do any of that. Had R R Resource Recovery contacted me before this account went into the flag zone, I would have begun making payments immediately as I received a substantial promotion and raise with my current job.
Account reference # XXXX I missed a call from a XXXX phone number who left a message with their company name XXXX XXXX XXXX advising it was a call from a debt collector. 

I returned the phone call a moment later and received an unprofessional introduction of yes when I called in. The representative XXXX then said he hadnt realized there was incoming call. XXXX then proceeded to inform me of the supposed medical debt for {$94.00} in his office. At this point there are had been no verification or mini-Miranda provided. I know that these are standard requirements of 3rd party debt collections and wanted to confirm I had a legitimate company before providing payment information. 

I requested a statement. XXXX advised they had sent one out in XXXX, I informed him I did not receive that notice. XXXX then became almost abusive by questioning my character saying it was odd I hadnt received the bill from them or the hospital since they are the second collection agency. I explained again I didnt receive anything for that amount. XXXX continued saying it was odd, I then requested a validation of the debt. Since there had been violations in the phone call I again wanted to ensure I had a legitimate company before providing my payment information. 

XXXX refused to accept my verbal request for validation. I requested to speak to a manager to inform them about the above information. 

I spoke with Mrs.XXXX who was the first person to provide a mini-Miranda on the phone call. I advised her of the above and requested validation of the debt. She advised they would mail the validation out. It is extremely deceptive and unfair to have practices where one employee refuses to accept your request for validation while the other accepts it? As a consumer this is very confusing. 

She advised me they would review the recordings and question and not contact my number further. I was never provided any disclosure that the company in question was recording the call either. 

Thank You, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
On XX/XX/2017, I disputed some hard inquiries on my Equifax credit report that I do not recall authorizing. I checked the status of the dispute on XX/XX/2017 and my results were ready. However, the date that the information was verified by Equifax shows XX/XX/XXXX. That 's the same day I initiated the dispute and I feel as if they did nothing to actually verify if the information was factual. The statement or response that I received back from Equifax is that the items were indeed factual. After viewing the results, I called Equifax and asked them their process of verifying that the information was correct and I asked how they were able to verify and investigate so quickly. I was told by 2 representatives that they do n't dispute inquiries and that I should just wait and let them fall off of my credit report when the 2 year time period is up, or either contacting the creditors. One of the creditors is a car dealership. I called the number on the report, but this particular dealership is no longer the same and has been bought by another company. I called Equifax again to explain this and I asked again their process of verifying the information, because clearly, an investigation was never initiated if they did not know that the dealership is now owned by another company. Again, I was told to wait until the inquiries fall off in two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) AND 611 ( A ) ( 1 ) states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received results in 2 days ( even though on the dispute status page, results were ready on XX/XX/XXXX ), one can assume that there was no investigation into the matter. I 'm at the point that I 'm frustrated because no one I 've spoken with at the credit bureau is even taking the time out to listen to my complaint. I am a single mother of XXXX who 's trying to rebuild my credit so that I may qualify to purchase a home. The hard inquiries on my credit report display as a sign of financial trouble when it 's not at all the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that I do n't recall authorizing. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.
We surrendered our home to previous mortgage holder in XXXX of 2012.  Ocwen financial bought the mortgage and refused to honor a died in lieu of foreclosure. Ocwen, by misplacing or loosing our paper work caused us to go to foreclosure we attempted to work with them submitted paper work on 3 times, but they refused to examine our paperwork, we tried to work with them for years submitting died in lieu paperwork. They kept delaying on us until we had a a foreclosure date and told us that they would not examine our paperwork because the foreclosure was going through anyway. My wife and are both XXXX and this has taken a visible toll on our ability to obtain credit and to find rental housing.
XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Equifax mishandled my personal information which lead to a data leak that impacted my personal data. Additionally, I 'm upset with how Equifax handled their mistake. I was never personally notified that my data was leaked, and had to find out via social media and check for myself if my data was impacted.
Navient illegally cheated by forging fake ‘missed payments’, to avoid putting my account in deferment. Since XX/XX/XXXX, school enrollment certificates after School enrollment certificates were sent repeatedly to Navient, to request deferment. In the last minute, Navient forged over 15 “missed payments” for the purpose of evading its deferment responsibility and to increase accruing-interest from 4% to nearly 10%. Over the past few weeks, Navient increased my loan from $40000 to nearly $80000 with 15 fake “missed payments” and 10% interest rate. Nearly $5000 were paid to Navient. The payments have no effect on lowering the loan. After I complained last week, now Navient said 1 missed payment.So Navient can say that it is not eligible for deferment. It was zero missed payment two weeks ago (XX/XX/XXXX).  Anyway, this loan was supposed to be in deferment.
on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process
Citi is charging me a XXXX annual fee plus interest on a card that I closed.
I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.
I have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX  and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not  properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from Professional Debt ( XXXX XXXX XXXX  ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my XXXX report 6 months later. 

I want this removed from my XXXX report immediately
I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.
On XX/XX/17, my savings account was charged a {$5.00} " maintenance fee ''. I have had this same savings account for over four years, and have never been charged a maintenance fee.
We held a mortgage in good standing with XXXX XXXX Mortgage for over 12 years. In the fall of 2014, they sold our mortgage to Nationstar Mortgage. The transfer was rough on the Nationstar side ( no communication and lack of reps that could see the transferred loan in their system ) but we did n't miss a single payment. 6 months after buying our loan, Nationstar is advising we have negative escrow and want a {$5800.00} check now or a {$470.00} increase to our monthly mortgage payment for the next year. Problem is that we never had an escrow account with either XXXX XXXX or a new one with Nationstar. After sending it to their escrow research department XXXX times ( the first time the rep said he would log it but did n't so their records only show XXXX attempts ), we get the same form letter with the same demands every time. Our choice now is to damage our credit or pay almost {$500.00} a month extra in mortgage for a debt that XXXX XXXX added to the end of our loan period. 
Additionally, our mortgage was an ARM that could only be adjusted during the first XXXX quarters of the loan. That time limit has come and gone under the XXXX XXXX term. Now Nationstar feels they have the right to adjust the rate every 6 months over the remaining life of the loan which was never the terms of the original mortgage. How is our mortgage allowed to be sold and the new mortgage lender not follow the terms of the original mortgage? We have not entered into any subsequent or amended agreement with Nationstar and had no say in the matter when they purchased our loan from XXXX XXXX.
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and XXXX  and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to XXXX   last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX  XXXX developed one credit model called " Custom '', TransUnion developed the " CreditVision '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : TransUnion Custom Lack of substantial credit history - XXXX   Recently opened auto loan account or no auto loan on report - TI TransUnion CreditVision Age is XXXX and average number of months trades on file is XXXX Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. Optimu Months since most recent credit card opened is XXXX to XXXX. Optimum None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX What if
XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
I had a Macy 's credit card account with a modest {$38.00} balance. Unfortunately I did not realize I had missed remitting payment, after a long history of timely payments and responsible account management. As of today ( XXXX ) The payment and all associated late charges had gone up to {$140.00}. In an effort to be responsible with my credit accounts, I never even activated the new Macy 's card that was sent to me ; I simply made phone-based payments in an effort to pay off my balance. 

When I called Macy 's this morning to remit full payment on the balance due, they indicated that the account had been referred to collections. I spoke with the collections agent and asked why I had NEVER received an email or a phone call indicating that my account was in jeopardy. Macy 's has both my phone number and email address on file ; in fact, I get no less than XXXX emails per week with advertisements regarding Macy 's sales and merchandise promotions! Their tepid response was that I should have received a paper statement in the mail. 

Obviously the late payments were an oversight on my part, and I accept responsibility for that. However, I do think it is inappropriate and a poor business practice to refer a person 's account to collections when no attempt is made to reach out via phone or email regarding the account status. This small balance not only netted Macys over {$100.00} in late fees, but the referral to collections is now going to adversely impact my credit rating. Never mind that I was a good customer and consistently made payments on time ; they were happy to let the missed payments add up so they could profit. 

In terms of how I have resolved this issue, I paid off the card in full, and have closed my account with Macy 's. I also intend to write a letter to Macy 's regarding their handling of this issue, but I hope that CFPB will continue to work with creditors on fair practices that do not adversely impact individuals who have very little recourse besides paying and moving on. A {$38.00} oversight on my part should not haunt me forever in the form of a diminished credit score.
I have the bank account with the XXXX XXXX bank. In 2017 I received the promotional offer for the XXXX XXXX American Express Credit Card, and I applied for it. On XX/XX/2017 my application was approved, and I got e-mail confirmation about this. 

When I got this card in the mail and activated it online, as a part of the activation process I got online the promotional offer for 10 % cash back for the payments for the service of the Internet providers. This promotion did not say clearly, if it is from American Express or from XXXX XXXX. I clicked " Yes '' button and agreed with this promotion. Unfortunately, my printer failed to print this promotion, so now I have no evidence of it. However, I immediately set up autopay for my XXXX Internet service to this credit card and since that time, significant total amount of the monthly service fee for the Internet was charged to this credit card. 
However, nobody ever gave me the promised cash back according to this promotion. When I contacted both American Express and XXXX XXXX, none of them was aware of such promotion and none of them was able to find anything about such promotion. Customer services of both banks bonce me between them and totally unqualified for their job customer relations representatives in both banks extremely plausibly pretended to be the total XXXX. I wasted many hours of my life, calling them and writing them messages regarding this issue.