WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you
I have a penny mac online user id for my monthly payments which only i have access to. I have used my same bank information until my XX/XX/XXXX payment rejected because on XX/XX/XXXX my husband called to make an escrow payment with an agent. The payment was made using his account information. My XX/XX/XXXX payment rejected because my online stored account was changed by penny mac during the assisted payment and they failed to notify my husband or i. Yes, i submit my online payment, however the site does not disclose my full bank account information, and i was never made aware that penny mac had access to change my personal bank information without notifying me. Reason my payment rejected. Breach of privacy. Penny mac is refusing to rectify, confirmed it was their error. Have been giving me the run around, failed to call me back as promised. XXXX XXXX promised a call, never did. I was decline a higher up.
XXXX XXXX XXXX, purchased my " debt '' in XX/XX/XXXX.  I NEVER received a written notice that, A i owed the debt, and B that they owned my debt in the amount of {$610.00} In XXXX my parents received phone calls stating that I owed debt and that they where liable to be sued for the debt even though they had ZERO attachment to said debt. When I called in to find out what was going on, they said either we sue or pay a balance or settle. I told them I was never informed about said " debt ''. Never received a letter stating anything even after that phone conversation. Then in XX/XX/XXXX, XXXX XXXX XXXX filed a civil lawsuit against me for the total balance of {$610.00}. I was served in XXXX of that same year.
This company called be multiple times until I changed my number. I don't owe this money as I stated with the original creditor I didn't open any XXXX XXXX cards.
I filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.
XX/XX/XXXX I purchased around {$400.00} of bitcoin from Coinbase and i was Double charged that amount on XX/XX/XXXX. I still have not received a refund. Just automated responses.
Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.
On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.
I asked my mortgage to see if I qualify to have my PMI removed from my monthly payment. 
I XXXX started this back in XXXX, I have been now told XXXX I do not qualify and XXXX I do qualify, I have had XXXX people from the mortgage company set phone appointments with me to review my case and they have never called back. The mortgage company will not schedule a appraisal, they have even told me there is no appraisers in my local area. They are basing all there numbers off my appraisal from seven almost eight years ago. I have contacted them now XXXX times and I get several answers to what is going on.
I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.
Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap
Huntington National Bank emailed me offering XXXX to open up an account, I decided to open up XXXX and have a settlement of XXXX directly deposited into the account. I then made an initial deposit of XXXX. The bank then did not post deposits then continued to charge me over draft fees. the Deposits then posted they credited the fees, I then went to pay for my prescriptions without notice they cancelled my account. They have left me pennyless without the life saving medication I need until the 7/10 days I receive my check from them. Hopefully by then I wo n't be hospitalized for going without my medicine for that long. I then contacted the bank and refused to tell me whats going on and required me to go into the branch, I asked for a reasonable accommodation, which at that point I believe he said I have to be " Big Man '' and deal with it. To be mocked, to be over talked was absolutely disgusting when asking for a reasonable accommodation, When asked if that 's how they treat their customers he blunted stated that I 'm not a customers. He refused to give me any information besides his name is XXXX. The phone call Started at XXXX and they hung up 20 minutes later. Without the information I needed with just them being rude working me up so much I have been XXXX since incident.
Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill. 
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.
Was offered a credit card from my current bank, PNC, XX/XX/XXXX. The offer was 0 % interest until XX/XX/XXXX and 0 % on balance transfers as well. Then an APR would apply after that date. I applied for the card and was approved ; talked to someone on the phone during this process and they confirmed the terms of the card. I transferred a rather large balance ( which I paid a fee for ), then used the card for some purchases. And now they are charging me interest on the those purchases!! I called PNC and they insist they did not send me an offer to what I described - which I know for a fact they did. I have XXXX banking accounts with PNC and have been a customer for 30 years, before they were even PNC Bank. I absolutely would not have opened this card - the card I was using before I opened this one had a lower rate than what they are now charging me. The ONLY reason I did it was because of the 0 % on purchases. VERY unhappy with this situation.
Dear customer service, I found recently I have colection in my credit report. 
I visited the doctor in Maryland and I made XXXX. 
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. 
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.
I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).
I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.
I applied for a home mortgage in 2008, with Wachovia Mortgage, who has since been bought out by Wells Fargo Mortgage. The interest rate is very high. I was never told that the loan was being processed as a home equity loan, and I saw no reason that it should have been, since this was the only loan on the home. I never told that it would be a home equity loan, nor did I ever receive any right of recission, as required by law. I am attaching all documentation I received from the loan processing and closing. I recently tried to refinance, and was told I could not do it. Reasons given was that the appraisal value of the home dropped, and the house did not qualify under the values required for home equity loan refinance. The name of the street where the property is located is also misspelled on the documents.
My husband had opened a money market account with XXXX XXXX XXXX in XX/XX/XXXX. It is a POD account. He had passed away on XX/XX/XXXX. I had not gotten notice of the transfer of ownership to me, as the POD, so on XX/XX/XXXX, I wrote XXXX XXXX XXXX a letter and sent the XXXX XXXX Minnesota office his death certificate. A couple weeks later I received everything back with a letter that this account has to go to probate. 
I then sent the letter and death certificate with tracking to Utah where I was told it was the estate department. 
It has now been weeks, and I still did not hear anything and still can not access the account. I called the XXXX XXXX XXXX Utah branch and they told me I had to speak again back to Minnesota. I talked to Minnesota on XX/XX/XXXX, and they told me I had to send them the letter again and had to have it notarized. I have never heard of such run around for a transfer of ownership that can take just an hour or two to complete. I do not know what their problem is, but I have had to deal with a long time illness and death of my husband and his funeral and find this incompetency unjustified. I want access to my money and move it out as I do not trust XXXX XXXX XXXX. I figure they do not want my money and business as the POD of my husbands account.
Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card.
I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on my account.
Coinbase charged my debit card with unauthorized transactions. Ive seen the same transactions previously posted on my account but they are charging me again. 
Couldnt get ahold of anyone through email or phone. 

XXXX XXXX XXXX XXXX. 
Over draft Fees : {$20.00} Coinbase Trav Fun coinbase : XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$340.00}, XX/XX/XXXX {$200.00} Coinbase Fee : {$10.00}, {$5.00}, {$1.00}, {$3.00}, {$2.00}
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
There is incorrect and inaccurate information on my credit report with Experian, XXXX and XXXX such as a extended 90 days and active Fraud Alerts.
Also there is XXXX XXXX unauthorize hard inquiries on my Experian, XXXX and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my Experian, XXXX and XXXX credit reports.
The list are as follow.
1.Experian Hard Inquiries 1.XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.XXXX Hard Inquiries 1.XXXX XXXX.Dated XX/XX/XXXX 2.XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX .Dated, XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  .XX/XX/XXXX7.XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXXXX/XX/XXXX 9XXXX XXXX XXXX.Dated XX/XX/XXXX 10. XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX XXXX.Dated XX/XX/XXXX 9XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.DatedXX/XX/XXXX 11.XXXX XXXX XXXX.Dated XX/XX/XXXX 12XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14XXXX XXXX # XXXX Dated XX/XX/XXXX 15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with Experian, XXXX, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.
We recently sold a home in New Jersey and a previous mortgage showed up for XXXX XXXX. My attorney found out that this mortgage was satisfied almost 20 years ago but a Discharge of Mortgage was never filed with the XXXX County Clerk. The new buyers continued with the purchase of our home but held {$67000.00} in escrow. My attorney has contacted Dovenmuehle and they were supposed to get a Discharge of Mortgage and file it with the Clerk. He has been dealing with the bank since the end of XX/XX/XXXX and has dealt with XXXX XXXX. Numerous calls by my attorney and myself have been to no avail. I need this money to purchase another home and believe that the almost 3 months we have been dealing with this is more than enough time. PLEASE help. The loan number was originally XXXX.
I visited the XXXX XXXX at XXXX XXXX around XX/XX/2017 and paid cash for services. I have contacted the doctors office and they have confirmed that I do not owe them.
Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.
On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The first case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XX/XX/XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is Howard Lee Schiff, LLC violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX District Small Claims Division on XXXX XXXX, XXXX? Massachusetts XXXX XXXX, XXXX XXXX, XXXX XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XX/XX/XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.
defamation of character. 
XXXX  said my XXXX shows a late clearly from transunion paid on time never late