WillisBack/dataset-financial-user-claim huggingface dataset:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
TransUnion deleted all inquiries and also added them back on which is against FCRA. I would like them all removed for good. With no addition later
My account was closed by Citibank without due process due to an issue created by another bank 's process ( please refer to CFPB dispute # XXXX for other open dispute with that bank ). I was not given any reason for doing so by the representative on the phone, nor was I given a contact phone number to resolve this issue. I was unable to reach a supervisor to discuss this further.
I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )
My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made.
Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. 
XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. 

How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?
I sell items on XXXX. All XXXX transactions are processed through PayPal. On XX/XX/XXXX, I received an email from PayPal stating that a customer who had purchased an item on XX/XX/XXXX opened a case with their credit card company stating that they didn't recognize the charge. This resulted in PayPal opening a case and withholding the amount of the transaction ( {$24.00} ). 
I responded to the PayPal case and suggested that the customer probably just forgot they ordered the item and I provided the transaction info, pasted here : XXXX this transaction was an ebay purchase made on XX/XX/XXXX for : XXXX and XXXX XXXX GPS Map XX/XX/XXXX on MicroSD for XXXX Devices XXXX item number : XXXX XXXX In the meantime, I received a message via XXXX Messages from the customer ( XXXX ) stating " I need to pay you my wife cancel payment didnt realize I had ordered chip ''. 
From this, it's clear that the buyer 's dispute of the transaction was in error. 
This info regarding the customer 's admission of the mistake was also provided to PayPal. 
On XX/XX/XXXX, I received an email from PayPal stating that they've closed the case in the customer 's favor, debited my account {$24.00} for the original transaction plus {$20.00} for a chargeback fee. 
I'm seeking the return of {$44.00} to my PayPal account XXXX XXXX
Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XX/XX/XXXX2017.  For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
When my initial payments began I was still in XXXX - I got the loan to study a XXXX at the University XXXX XXXX and XXXX. I 've been planning to build a life there since it was better than my home XXXX. At the time I could n't pay the monthly payments because my savings were low and I did not have a job despite numerous job applications. I 've had to use XXXX XXXX/Navient 's forebearance which has upped my monthly payments since interest accrued. They tell me that due to my Smart Option Loan, I can not apply for Interest or Monthly rate deduction, that I can only have it reduced if I go back to school or find a job. I am still in the process of that, day after day. My cosigner, my elderly grandfather, can not afford to pay forever. Simply put, I wish for them to cut my monthly payments in half, which would be a lot more manageable for me and my cosigner, so I could breathe easier whilst I search for a job. I have called them numerous times, explained my situation in detail, my lack of money, my time dealing with XXXX to stay in XXXX and since returning home, I 've been diligently trying to find a job, to no positives yet. While I can understand terms and conditions of what one signs, it seems irresponsible of a lender to not want to help a borrower when they make claims that they can or will do so.
On XX/XX/2018 I received notice that my account with XXXX XXXX XXXX was removed from my credit report and I noticed that it has been reinserted on my credit report. I was never notified that this item was being reinserted and per the Fair Credit Reporting Act the credit bureaus are supposed to notify me in writing within 5 days of the re-insert date. Please have this account deleted off of my report.
I have many times to get copies and info of contracts that they have the rights to collect the debt as well as copies of the original debts that show I do owe this debt. Ever since 2012 they have never been able to produce or will not produce the info that I am asking for. I have issued XXXX complaint with XXXX XXXX on my credit report and they could not even verify the debt with them so that was even removed from my credit. I have also told them many times this is not a valid debt since we were not supposed to be charged anything for moving out early or anything since it was a rental for the harassment that we were receiving. This was worked out with the previous management company before XXXX took over from XXXX XXXX. I also did disclose this to Rent Recover, they have no interest in investigating the claim. I have gotten very upset many times after being yelled at and being told I would just be dragged to court. They would just talk over me and ignore all requests.
I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax on several occasions, filing a direct dispute with them. The last one being in XX/XX/XXXX. Equifax stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached my payment history showing this again. I believe Equifax is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
I was double charged on my account for all transactions I have made since XX/XX/XXXX using my debit card on https : //www.coinbase.com/ - I have attempted to contact customer support but they are extremely hard to contact, and I haven't been able to speak to anyone. I sent in a ticket already but I need this resolved ASAP.

These duplicated charges all occurred yesterday ( XX/XX/XXXX ), I will leave a list below of the transactions.

My initial purchases were debited from my account on : XX/XX/XXXX - {$500.00} International Service Fee Assessed {$4.00} on {$500.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$4.00} XX/XX/XXXX - {$300.00} International Service Fee Assessed {$2.00} on {$300.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$2.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX  at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$3.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$3.00} - These are the duplicate charges : XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$300.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$500.00} Please let me know anything else you need, Thanks.
Received letterXX/XX/XXXX/18 indicating a debt on a XXXX account. Does not indicate XXXX account information, SSN, or any other details to validate the debt. I checked my XXXX account, and there is no problem as it is linked to my bank account. 

XXXX XXXX XXXX XXXX . 
Creditor : XXXX, XXXX
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law.

Therefore I request that all hard inquiries be removed.
I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.
I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.
This is in reference to the dispute I have with way point at XXXX  and equifax. This is a copy of the theft report for you to have on file.
I bought new XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX GA USA. On JXX/XX/XXXX. Finally we agreed all the price I went to finance room and he try to charge 5.89 % APR and that is the best interest rate to my credit ( its XXXX credit score ) can not lower it. But later he said le can lower it to 3.89APR if I purchase interior protection and Lo Jack and charged {$1900.00} for both. And then he offer me additional maintenance plan of 4 year 50K miles for {$4900.00} then he can lower the APR to 1.89APR. And I accept that because it was almost XXXX XXXX  and I can not spent another hours for dealing with that. 

But the problem was happened after that. 
When I signed paper I trusted him but it was totally over charged. 
I called same dealer today and spoke one of the sales person because it was too high for does extra charges. And his name was " T .... '', I asked him, I plan to buy XXXX XXXX and what is the additional charge for extended maintenance plan, and he said I dont know and I have to check. So after he checked he call me back the extended maintenance plan for 4 year 50K is {$2400.00} and 5 year 75K is {$3300.00}. I got evidence he said that. So I text financed person regarding that and he refused to fix this issue And never explain why it was charged double. 

After this issue, I am worry about all other charges, look like all other charges, Lo Jack, Interior Protection, Gap Insurance look like over charged too. 

Totallay charged additional {$7700.00} for additional service purchase
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXXXXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )
In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.
Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.
I have attempted to validate the debt that they claim I owe and my requests have been denied. The mortgage company has been acting fraudulently they refuse to produce proof of a valid contract.
I am complaining because I am having an issue with Experian were I have not been able to get a copy of my report directly from them. I have written to them and have not gotten any response from them. There are Several Judgements on my credit report that none of them belong to me. They are all from the XXXX County Court and these Judgements belong to my Father which we have the same name and live in the same address. I have tried to call experian on several occasions and have been unsuccessful in getting a representative on the phone because I do not have a report number to get through. I am please requesting for these Judgements that belong to my father to be removed from my credit profile as they are not mine.