WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its 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. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.
XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.
I am the co- signer on my Daugters Loans, My daughter is struggling to make regular payments, so she 's doing forebearance, But its XX/XX/XXXX, and i recieved 10 15 phones calls a day fr0m different area codes telling me I am past due this start last week her account is {$11.00} past due. Is their any way to remove me as co signer or get the phones to stop.
Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through XXXX credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, XXXX Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, XXXX of which essentially refused to cancel my account through either no information detectable ( XXXX ) or LONG telephone wait times ( XXXX ). 
This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have to update my credit card information with each vendor. I filed a complaint with your agency regarding XXXX and my account was finally successfully closed. I received an email from XXXX on XXXX/XXXX/16 saying there was a problem with my account, namely that they could n't charge my credit card anymore. So I thought that the issue was resolved. WRONG! Sometime between then and XXXX XXXX, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to XXXX who then updated my account and charged me for the credit monitoring again, twice ( XXXX and XXXX/XXXX/16 ). 
I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my EXPRESSED concern. 
Now if XXXX took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps XXXX is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( XXXX ) refused to handle my call in a timely manner.
I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!
several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due.
I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX XXXX XXXX
I moved in to XXXX XXXX XXXX in 2013. I informed them my new construction home was being built and i would likely move out before XX/XX/2013. I was informed I would have to be out before the beginning of the any month and still pay that months rent per policy of breaking the lease prior to 1 year. I moved out in XXXX more the two weeks before the XXXX as well as had the apartment cleaned. I also gave them the last check that they requested ( which they cashed in XXXX ). I have never heard from them since until applying for credit and being told XXXX XXXX XXXX in collecting on the account.
l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.
I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters, as well as submitted supporting documentation to prove that this account is a result of identity theft and fraud. Experian has refused to remove or " block '' the reporting information from my credit report. Experian removed the account for approximately 10 days in XXXX however, they reinserted the item in XXXX. I contacted the collection agency as well as the Experian requesting validation of date that includes a contract verifying my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. Experian has stated that they have " verified '' the account as valid several times although I have disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to Experian further Experian has refused to block or remove the account from my Experian report. which has caused turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. 
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.
On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.
In late XX/XX/XXXX ( or earlyXX/XX/XXXX ), I opened an American Express Credit Card account for the purpose of transferring some credit card balances to the XXXX Credit Card account. All of the transfers went fine, except for one. 

One particular credit card balance was from XXXX XXXX XXXX for the amount of {$1300.00}. I was not able to complete this on-line, so I called the balance transfer department at American Express and completed the transfer over the phone. 

I then received a letter from XXXX XXXX, dated XX/XX/XXXX, stating that they received a payment for {$1300.00} that went to an unknown account ( See Attachment 1 ). This transfer also appears as going to XXXX 's on my XXXX   statement ( see Attachment 2 ). I subsequently called XXXX 's thinking they would refund the payment to XXXX or directly to me, but they wouldn't speak with me because I do not have a XXXX 's account and they had no way to identify me and suggested I contact XXXX. 

I then called XXXX and they told me they would investigate the matter and assured me this error would be corrected. A few weeks later, I called XXXX back because I had not heard back from them and they again told me they would investigate the matter. I subsequently received a letter dated XX/XX/XXXX of this pending investigation ( See Attachment 3 ). 

I then received another letter from XXXX, dated XX/XX/XXXX, that that they have completed their investigation and that essentially the funds were deposited with the instructions provided ( See Attachment 4 ). I subsequently called XXXX  to obtain clarification, but I was continually passed around from department to department and no one could help me. 

I have confirmed with XXXX that they have not received any payment from XXXX ( see Attachment 5 that has the last 4 numbers of my XXXX account number ). I have confirmed there is no reversal for this balance transfer showing on my XXXX credit card. I have no way of knowing what XXXX XXXX has done with the money. 

I want XXXX 's to refund the money that XXXX sent them mistakenly and then I want XXXX to credit my account for the {$1300.00} amount.
Someone put a bad check in my account. Hacked into my online banking system and deposited the check and then had a fake card made and stole all my money out my account!!!! I explained to us bank this issue and they are refusing to help me and charged off my account for more than 2,000
On XXXX XXXX 2017 around XXXX pm. I went to my local Wells Fargo Branch located in XXXX Florida. I took {$200.00} in twenty dollar bills inside with me to make change ( ones and fives ) for my business. I used my debit card to access my account to show I was a customer to avoid non customer fees For the service of making change. I hand the teller my money, she makes the change and counts it back to me. She asked if she can help with anything else. I say no and walk away. About 30 minutes later my husband checks our account online and see {$600.00} missing. He then goes to the bank to see what happen. The bank manager counts the draw and reviews the security video. He then tells my husband the teller did not close my account screen and the man behind me withdraw {$600.00}. The teller never asked for his ID or checked to see if he was on my account. I have been in contacted with the local branch as well as the corporate office. They will not let us view the camera footage and are not crediting the {$600.00} back to my business account.
I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.
I submitted for mortgage assistance in XXXX of XXXX. They kept asking for XXXX more thing. We finally got approved to start XX/XX/XXXX. I have filled out the contract XX/XX/XXXX times They say each time the company rejected it. Today after making XXXX payments towards this plan on time ... they say they are canceling it. They say they will foreclose. I attempted to contact XXXX XXXX my customer representative and he was not available nor was any other representative. I can not get an appointment until the next day.
On XX/XX/XXXX XXXX XXXX XXXX collected payment for a procedure that was supposed to take place on XX/XX/XXXX so the date of the service was XX/XX/XXXX. 
I made this payment on the basis of the XXXX telling me i would receive a XXXX procedure. 
Instead he used a XXXX XXXX on me whcih has XXXX XXXX XXXX. XXXX XXXX are used to remove XXXX and are not XXXX XXXX. I did not pay for a XXXX treatment but a XXXX treatment that clearly was not conducted on my skin as evidenced by multiple photos & acknoweldgements by the office of XXXX XXXX. 
The use of this unconsented treatment was ackowledge by XXXX, the assistant to XXXX XXXX in the scan attached to this complaint. 
This was an advance fee scam that has XXXX XXXX XXXX and is not aligned with the terns agreed to under the care credit card. I became suspicious of what type of XXXX  was used given the XXXX XXXX XXXX XXXX XXXX, There are photos taken in XX/XX/XXXX that show the bad XXXX XXXX XXXX XXXX & support my claim i did not receive a XXXX XXXX As such I am due a refund of all of my monies as they were obtained under fraudulent cirumstances. This does not even address the thousand of dollars of loss that i experienced as a result of receiving this fraudulent XXXX XXXX XXXX XXXX.
On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.
On both XX/XX/XXXX andXX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Experian is reporting XXXX bankruptcies that they state they have verified. They have the wrong address and phone number for the BK court of NJ. How can this inaccurate information be verified properly if they have wrong contact info. Furthermore I contacted the BK courts and no one from Experian called to verify. or have contacted them in any manner.
A company called ABR Recovery Service keeps putting a derogatory collection on my credit report that is decades old. They keep putting it on there as if it were a new debt asking for {$1100.00}. The name of the original credit card company is XXXX, and I think I had a credit card with them over 20 years ago, but cut it up when I got divorced in XXXX. 
Now, ABR Recovery Service can't even keep track of how many times they have put this on my credit report, so now the exact same thing is showing up on my credit report twice, only on one they put the origination date of XX/XX/XXXX and on the other an origination date of XX/XX/XXXX, so it is completely destroying my credit on XXXX  because it's appearing as two separate derogatory marks on my credit. To be clear, nothing was " originated '' on either of those dates. I looked it up and this is called illegal re-aging, taking a very old debt and making it look like it's new.
I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.
Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report
We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.