WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, Equifax sent me a letter indicating that a creditor had reported a new address for me. This letter was received on or around XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called the phone number on the letter ( XXXX and spoke with XXXX . He confirmed the address on the file was the one mentioned in the letter. ( This was an address that I lived at over 10 years ago. ) I explained that I wanted to know who reported that. He couldn't help with that request. I explained that I was going overseas on XXXX and wanted to try to clear up any possible ID fraud or errors before I left in an effort to mitigate any potential damage to my credit report in my absence. I asked to speak with his manager. I was transferred to XXXX. She couldn't help any further. She told me the only way to correct it was to FAX a copy of my drivers license and lease to XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX ( XXXX XXXX Customer Service ). Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he couldn't help, as he was only tasked with helping with billing or website access issues. Told me to call Global Customer Care Department at XXXX. 

On XX/XX/XXXX at XXXX, called XXXX. Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he also couldn't do any more than XXXX or XXXX. 

On XX/XX/XXXX at XXXX, called XXXX ( Equifax customer service number found online ). At XXXX, XXXX answered. I explained the situation and she said she couldn't do any more than XXXX or XXXX. 

I won't have access to a fax machine until tomorrow ( XX/XX/XXXX ), but I will be faxing my lease and drivers license to Equifax first thing tomorrow morning.
I submitted a complaint against Convergent Outsourcing Inc in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.
Trying to move XXXX account to another financial institution. Transfer Request was sent by fax on XX/XX/2018 to XXXX. Called XXXX Bank 10 days later to see if the check had been sent to the other institution. XXXX  Bank had no record of receiving any fax. Sent another fund transfer request to XXXX Bank on XX/XX/18. Contacted XXXX  Bank and talked to XXXX on XX/XX/18 to make sure that they had received the fax. XXXX told me that the only way to be sure they received the fax was to call the following day after the transfer request was entered into the system. I called on XX/XX/18 and talked to XXXX and was told that I would have to call back on Monday XX/XX/18 since it takes XXXX hours to have transfer requests entered into the system. Asked to talk to a supervisor, and after being on hold for XXXX minutes I was disconnected.
Transworld Systems creditors has put a {$68.00} debt on my credit report including and left derogatory remarks on my XXXX XXXX credit history for a company I never heard of called XXXX XXXX and never received a bill from this source. I called Transworld Systems twice. They couldn't find anything on me through my name, ssn, address, nor phone numbers and refuse to clear that off my credit report. They told me to call XXXX XXXX for an account number and to call them back with the number. How XXXX must I be if they couldn't find me anywhere in their system. They need to be reported to XXXX. I am highly upset.
I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.
XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys. 

I want to return the keys and retrieve my items as well as check under the seats for any other personal things.
I rented an apartment at the XXXX apartments at XXXX XXXX XXXX . XXXX and moved out of the premises in XXXX of XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called IQ Data International Inc. On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XXXX/XXXX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX
I have tried several time to discuss this information with company. I have no information to give company when asked. I have tried several times/years to get the information removed from credit. I have never had a cell phone other than the one that I have from the free service. I am home bound and have a landline.
ACS-XXXX currently holds my students loans. I have been on income based repayment for several years. The XX/XX/XXXX tax return were substantially higher, {$36000.00}. However, I have sent the paperwork they request six times, twice by certified mail. I have all copies of multiple emails and paperwork they requested to help them understand that change in income was due to an inheritance of {$36000.00} that was used to pay off credit card debt. Additionally, I have explained to them, sent multiple copies of my current year 's income as they requested. I also have explained that due to my accountant not filing my tax returns until XX/XX/XXXX for my sole proprietorship showing that I must pay the IRS {$19000.00} in taxes for XX/XX/XXXX tax year with the added responsibility of {$4000.00} in estimated quarterly taxes that were not paid as we have always had a return not owing money. This amount, {$35000.00} leaves me with no money to pay anything. I have made arrangements with the IRS for payments which are {$2500.00} per month. ACS-XXXX has requested an IBR six times and I have provided it six times. I have sent them by certified mail. Each time I send the requested information over and over they send the exact same paperwork stating : Are you having problems paying your student loans? See you qualify for any of the below assistance. It is as if they do not read anything I send them. Due to this constant requesting and submitting paperwork since XX/XX/XXXX they have severely damaged my credit while never acknowledging the receipt of the forms I have sent at their request. It is impossible for me to establish a repayment amount if they simply keep sending the same paperwork over and over and offering absolutely no resolution or payment options, only late fees and reporting it to my credit. 
I need someone that will represent the consumer and protect me against their ignorance of sending the same papers over and over and causing me further financial damage because they are not aware of what they are supposed to do or acknowledge any compliance with their request. I will not talk to them on the phone and have repeatedly told them that due to their actions all communication must be in writing so I have document ion on paper. They only send the same forms over and over. It is as if their staff has no clue what the other staff send. Please advise what action can be taken to resolve this issue and require them to correct the damage they are doing to my credit.
This company is a cheat and a fraud, I disputed some charges as fraud from the year XXXX, XXXX and XXXX in the first week of XXXX XXXX, I was told that a decision would be given on XXXX/XXXX/XXXX but when I called today at the capital one, I was just being transferred from one department to another. The charges are around {$8000.00}, but I was just placed on hold and no explanation was provided. 

I spoke with the employee XXXX  today, her employee Id is XXXX.
The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.
This is a Fraud file : I have constantly disputes the following account directly with Equifax, over 6 months. The following account are only showing with Equifax, and they have ignored me without proving me from where those accounts are coming from. I even send them a police report proving that they need to investigate those accounts, ( police report was sent on XX/XX/XXXX ). My credit report have been delinquent with information that doesn't belong to me, this PROBLEM is ONLY with EQUIFAX. Also I am concert that the reputation and consumer information of Equifax was stolen not long ago, and now I am paying the price of their fraud. 

How I want you to solve this problem : To call accountable EQUIFAX for the accounts that are reporting on my report, and deleted them as soon as possible. 

Those are the accounts information : 1 ) XXXX on XX/XX/XXXX for {$3400.00} 2 ) XXXX on XX/XX/XXXX for {$1000.00} 3 ) XXXX on XX/XX/XXXX for {$1000.00} 4 ) XXXX on XX/XX/XXXX for {$670.00} 5 ) XXXX on XX/XX/XXXX for {$980.00}
XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.
I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.
On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.
Equifax is falsely reporting to my credit report. They are putting a collection on my Report that is a fraudulent Account. I have sent them a fraud affidavit and a personal statement but they refuse to correct the problem. This account is also closed which I confirmed with the Collection agency. This account was removed last year because the Collection agency closed this fraudulent Account and recognized that the account was not opened under my behalf. Equifax is causing me Financial harm. I was never given any notice before I was re- placed in collections. XXXX has no problem fixing errors right away but Equifax is not the same quality.
I was given a loan modification XX/XX/2015 and my mortgage payment was never lowered. My financial circumstances have changed drastically and I reapplied and was denied. No reason given.
I have a XXXX XXXX mortgage loan serviced by Seterus and the loan was offered a forbearance owing to the federally-declared disaster from Hurricane Irma. The forbearance let to a loan modification which had a trial plan that ended on XX/XX/XXXX. The trial period payments were made on time as required by the modification agreement i.e., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Seterus ceased from being the servicer on the loan and new servicer now is XXXX XXXX XXXX. XXXX XXXX XXXX  has concluded the modification process begun by Seterus. 

On XX/XX/XXXX, Seterus maliciously made a derogatory report to the Credit Bureaus by stating that the loan was 120 days past due. This is incorrect. The loan was being repaid as agreed leading up to the declaration of the disaster by the federal government and one of the terms and conditions of the forbearance was that negative reports would not be made as long as the loan was in forbearance. Immediately after the forbearance the loan was approved for modification and the terms of the modification were adhered as prescribed. 

I am disputing the report of the loan being 120 days late. I spoke to 3 people at Seterus today, Mr XXXX, Mr XXXX XXXX and Supervisor XXXX XXXXn. Ms. XXXX stated that the late payment applies to XX/XX/XXXX. This is incorrect because the loan was in forbearance at that time and the terms of the forbearance specifically state that no negative reporting will be made, so Seterus is violating its agreement.
I closed on my mortgage on XX/XX/XXXX with Finance of America, LLC ( FOA ) for the loan amount of {$400000.00}. I confirmed with my lender that I can make a principal payment at any time after XX/XX/XXXX with no penalty, even if it is before the first payment was made. On XX/XX/2018 I  received a letter from FOA informing me that my loan has been transferred effective XX/XX/2018 and they will stop accepting payments from me on XX/XX/2018. 
On XX/XX/2018 I called FOA to inquire about making a {$200000.00} payment via wire transfer. They told me that they could not process my payment and advised me to wait until XXXX and send it to the new company. I told them that XXXX was three weeks away and that interest for {$200000.00} over 3 weeks at 5.25 % was a significant amount and that I wanted to pay now so I would have to pay that interest over three weeks. They told me that my account was inactive so they had no way of processing my check and advised me to hold onto it because that is all they would do with it if they received it ; they would hold onto it and send it to the new loan company at the end of the month. I told them that this was unacceptable.That my contract says I can pay a principal amount at any time. It does not say that there could be a three week waiting period in which you no longer will have a active account with any loan provider and thus will be without service during this time. I also believe that it is against the law to do this. They basically disabled my account and are refusing to service me, which will end up costing me hundreds of dollars in interest. They should have to process my payment because that's what my contract says. And if they can not do it -- or are unwilling to do it -- then they at the very least they should compensate me for the interest that I will be paying because of their negligent service. I would also expect to get some compensation for having to take hours out of my day to try to deal with this. so far I have spent three hours on the phone with them three times ( trying to get someone who could help me ), an hour on this page and XXXX  page filing complaints, and probably more lots more time until I get this rectified.
open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date