WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home from citimirtgage in XXXX. I joined the XXXX in XXXX. I was not receiving a housing allowance due to the fact I was n't married, I made my last payment XXXX. I tried to get citimirtgage to take the home and sell it and I would pay the difference. Citimirtgage had me fill out an income summary and decided I should selll the home through a real estate company. I contacted a real estate company and they required me to put a roof of the home before they would sell the home. I could not afford to do so. I contacted citimortgage and explained this. Citi said they could only consider a short sell after I listed the home with a real estate agency. I then offered out the home up for sale personally. Citi said that would not constitute i attempted to sell the home. I can not afford to pay for the home and would like citi to recoup some of their money but I can not resolve this issue with their process. I also believe that after so many years citi is required to charge the amount off and consider the loan bad debt. This would mean citi is in violation of the law
A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.
Equifax is allowing XXXX and XXXX XXXX systems to report the same account twice on my report. Both are for the same dollar amount and are the exact same debt from Hamptons at XXXX XXXX. I told Equifax which has already admitted the error, and they have done nothing to get this fixed. I 've disputed these accounts 6 times over the past year and was finally told that the account numbers are different which prevents them ( Equifax ) from removing the inaccurate info on my report. I was then instructed by the associate on the phone to contact CFPB to report this ILLEGAL credit reporting. I am contacting an attorney in regards to this matter because it has caused a huge issue in my personal life. Please feel free to contact me regarding this matter. XXXX
The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file
XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.
Profit Services Group {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
There was a judgement issued through the courts for my son 's unpaid debt. The judgement was listed on my credit report. I called the Law firm that handled the judgement and verified the social security # and date of birth as being my sons. We both have the same name and address. I want his judgement removed from my credit report.
Telephone calls everyday trying to collect on debt of someone who does not live at this address and that we have never heard of. In addition, we have owned this telephone number for over 11 years.
Equifax has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost my credit score to plummet substantially. They have as of today  XXXX   XXXX ,2017 removed my    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX    is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   XXXX   XXXX  credit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all the  Data Furnishers and they have all re-reported the accounts and Equifax has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.
I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. 
But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. 
I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
My place of employment received a call from a XXXX from Worldwide Recoveries , LLC, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from XXXX ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
I created a loan XX/XX/XXXX initially with XXXX which was later purchased by The Huntington National Bank. 

The problem began in the course of a divorce settlement and I was dismissed from responsibility from the loan. I received the loan marked paid and also received a cover letter acknowledging the loan being paid in full, the letter was dated XX/XX/XXXX signed by XXXX XXXXXXXX XXXX. 

Since then collection efforts have been made and the debt is still shown as outstanding on the three major credit bureaus. 

I have the original note marked paid and the letters acknowledging the obligation being paid in full. 

XXXX
Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.
I 've contacted this company and sent proof of my XXXX to show the debt they seek should be taken up with the insurance company. I 'm not liable for this debt and exempt from collection attempts
I received Fico score on XXXX XXXX, 2017 from from XXXX with derogatory information on my credit report Equifax. I filed a complaint two months ago with you about this and the inaccurate information was removed. The score has dropped from XXXX to XXXX in the month of XXXX 2017. I have done nothing to cause this drop on my account, and I was unable to get a response from Equifax. I would like this matter to be investigated and corrected. Why is this continuous fluctuation with my account happening when there is nothing changing? 96 points is a large number to be taken down in a month without proof that something caused this to happen. I hope that we can get this resolved in a timely fashion for I am trying to purchase a home and this inaccurate information may prevent that from happening. 

Thank you for looking into this matter for me.
XXXX XXXX XXXX is calling me, daily, anywhere from 15-20 time a day. As early at XXXX XXXX and as late as XXXX XXXX
I started receiving emails from this company in XXXX telling me I owed money on a payday loan. I requested that they send me proof of this loan and the paperwork that they sent me does n't have my name spelled right or a signature on it. I do n't recall applying for a loan with this company or receiving any funds and am wondering why it took about 4 years before they tried to get a hold of me. I did pay a company back in XXXX for a payday loan, but it had a copy of a signed form so I assumed it was legal -- but now I 'm wondering. They 've not given me any payment information. They say they will do that after I say that I will make a payment of {$300.00}. I ca n't keep paying these jerks for things that are n't mine and again why wait so long to get in touch with me.
Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.
According to my credit history report, I have a line of credit to a mortgaged company requested in 2012. I have never requested this line of credit since at that time I was only XXXX years of age. I believe someone has used my personal information including my social security number to access and request this line of credit. Please investigate, thank you.
Please review my student loan account because it is reporting inaccurate information. This account was open XX/XX/2011 and has not been ( 30, 60, 120 days ) late, but Fed Loan Servicing has increase my balance from {$96000.00} to {$110000.00} ... just within the last few years. Please investigate the accuracy of this account ASAP. Fair Credit Reporting Act 611 ( a ) [ 15 USC 168li ( a ) ], I 'm writing this letter regarding this alleged amount of {$110000.00} with the account ( # XXXX ). I recently received a copy of my credit report and wish to dispute the accuracy of some information contained in the report.
A couple of months ago I discovered a delinquent credit card account on my credit history report. This account belongs from a bank that I have never done any business with in the past. The firsy step I took is to call the CRA so that they would give me more informaion about this and to know what were the steps I needed to take. They told me to contact the financial institution holding this delinquent credit card account and to deal with them directly and that it would be helpful to file a police report on this incident. Following this persons advice I called the bank and told them about the situation. They asked me to send a bunch of documents which I sent all of them. Immediately after I hung up I went to the police station to file a report but they told me they could not open an investigation without me telling them in which branch, refering to the bank, was this account under my name opened. I proceeded to call the bank and ask them where did they open this account under my name and my social security number and they responded that they could not give that information, which I think they were lying. Anyways, it has been approximately 40 days since I sent them all the documents that they asked for to investigate this and no response what so ever. I sent them an email last week and they never responded. As of this moment I am left without options and becoming to get frustrated. This delinquent account is still on my credit report and most importantly, they were able to open an ccount under my name with my social security without my approval and somehow seem to get away with this type of illicit activity.
XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX
Hello, I have a loan with Santander which was opened back in XXXX. I purchased the car through XXXX and Santander financed it. However, what we were not disclosed is that there were SEVERAL recalls on the car and that the Maker of the car themselves had went bankrupt. Santander breached their part of the contract where it states they will NOT finance on cars out of production, in my case the car itself had been out of production since XXXX. I have tried dozens of times to work something out with Santander and also the dealership where I purchased the car. The dealership told me Santander would be responsible, and then Santander says the dealership would be responsible. This has been going on for months, since XXXX of XXXX to be exact. I originally filed a complaint with CFPB and Santander 's response was nothing short of a blatant lie, stating they " can not make any contact '' with me because I was being represented by an attorney. This was not true. I definitely have one on standby, but no, our attorney NEVER called or contacted Santander. They responded with that and to me that is also fraudelent. I have every single piece of detail of when Santander contacted me, when the dealership contacted me, and when they let this go on for months without even responding. The only suggestion they gave me was they could " defer my payment for a few months and remove late charges ''. NO. The problem I have with a car that was sold to be ( Fraudulently mind you ) is that no mechanics can work on it. The recalled parts can not be fixed. This is wrong and Santander knows this-you can not expect someone to pay for a car that was recalled before it was even sold and financed to me-it is impossible to maintain when it CAN NOT be worked on. This is a very dangerous car to drive and the dealership along with Santander needs to get together and unravel this and make it right.
I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats
On XX/XX/XXXX, a two ( 2 ) page written dispute letter explaining the grounds under which the alleged debt was disputed and was not owed by me was U.S. mailed return receipt requested to XXXX XXXX XXXX, the Florida Registered Agent for XXXX XXXX and their affiliates doing business in Florida, and such letter was received and signed for by a representative of XXXX XXXX XXXX on XX/XX/XXXX. To date, XXXX XXXX has not acknowledged and/or responded to this dispute letter. 
During the mid to later part of XXXX, XXXX, my first and only correspondence from XXXX XXXX XXXX, XXXX mailed me notices ( first dated XX/XX/XXXX and the second dated XX/XX/XXXX, XXXX ) which failed to disclose in such notices in violation of FDCPA the following, but not limited to, illegal acts and/or violations- ( i ) debt was in dispute, ( ii ) my right to dispute validity of debt and be provided proof of said debt even though it had already been disputed, and ( iii ) threatened to report debt to credit reporting agencies without disclosing debt is in dispute.
I have recently ordered my credit report from XXXX and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX  {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX  app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$1900.00} ( shown as {$1900.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation TO PAY MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX