WillisBack/dataset-financial-user-claim huggingface dataset:
I recently requested a Credit Report from Equifax. I then promptly filed a dispute based on inaccuracies with the credit report. After ample time passes, Equifax sends me an email saying that my report disputes have been responded to. They gave me a report confirmation number to log into. When I went to their website - I typed the same personal information into boxes that was done to file the dispute, then they tell me that the information I typed does not match their records so they tell me that I have to send them US Mail or call toll free number to get status of credit report. Their technology is sophisticated as such that all inaccuracies can be addressed over the internet but they are making it extremely cumbersome to fix your credit which in turn keeps you finance rates high and benefits Banks and Credit Card Companies. Equifax has done this several times in the past to me and I thing it is time to fight this injustice.
I filed for a income based repayment plan with Navient XX/XX/XXXX. They stated that they need a signature letter, and proof of income, which I in turn, provided them. I was told in XXXX that this was processed and everything was OK.. 

Yet I get a bill for XX/XX/XXXX payment for FULL amt. I contacted the lender via XXXX, via the advocate, AND via e-mail to the President of the company. 

I have submitted this information to them 5X now, via fax, mail, e-mail and a variety of other means. 

I received a letter from Navient stating that they did NOT receive the information. But, in the SAME e-mail, they sent me the forms, the signature is correct on the form, proof of income HAS been provided, and a copy of the form correctly filled out. 

So, not only do they have the forms CORRECTLY filled out, they have the signature page, AND proof of income ( IRS 1040 form ) ... due to federal rules proof of income WAS NOT REQUIRED to process this form as income for 2016 was NEGATIVE. 

I have two letters from them stating the same thing, and in BOTH letters, they have provided me copies of the completed form, a signature page, AND proof of income. 

I fail to see any logic in this. They have the forms correctly filled out, they have a valid signature on the forms, and they have proof of income ( which is NOT required ). But yet they can not read their own forms. 

Calling them all I get is the SAME XXXX, parroted back to me. We do not have the forms, we do not have proof of income, yet in the next letter, they send me copies of BOTH the form, the signature page AND proof of income as required. 

I am tired of this run around, Complaints with the XXXX, CFPB, Virginia Attorney General Consumer Protection Section, Federal Student Aid Department of Education, XXXX, have all been filed, yet all I can get out of them is like talking to a WALL.
In XXXX both myself and my wife settled a collection account with XXXX XXXX # XXXX, accounts # s XXXX & XXXX. When we initially contact this company, we advised them that we are in the process of purchasing a new home and we need these two accounts removed from our credit reports. The representative reiterated that we were on a recording line before we proceeded. We were advised that we could settle both accounts out for less than owed and that they would remove the accounts from our credit reports. We gave them 45 days to update our reports. As of today, XXXX/XXXX/XXXX the accounts had not been removed. We called the company back today and were advised that they were not going to be removed and that it was due to us paying a settlement amount and not paying them in full. That if we wanted to have them deleted, we would need to pay the difference of the balances ( this is way after the fact of the accounts being paid ). We asked to hear the recorded conversation from our initial call and they stated that they would send a message to their supervisor to review it and would contact us back. We would have paid the full amount in the first place had they stated it was not required to have the account removed from our reports. This is unacceptable and from what i can tell, illegal from a collections stand point.
I HAD AN OLD ACCOUNT FROM XXXX ABOUT 18 YEARS AGO WITH WENT INTO NEGATIVE STATUS DUE TO DISPUTE ITEMS. THEN I WAS SUED BY AN ATTORNEY NAME XXXX XXXX XXXX XXXX XXXX XXXX REPRESENTING XXXX XXXX XXXX INTO CIVIL COURT. WITHOUT ANY NOTICE I RECIEVED A DEFAULT JUDGEMENT AROUND 2006 THEN I WAS FORCED TO START PAYING AN INSTALMENT WHICH I COULD NOT AFFORD, THEN A FEW YEARS LATER I RECIEVED A LETTER FROM XXXX XXXX XXXX TELLING ME TO DISREGARDS ANY CORRESPONDENCE IN THIS CASE REGARING THE OLD DEBT. NOW AFTER 10 YEARS I AM SUED AGAIN BY THIS SAME ATTORNEY AT CIVIL COURT WHICH IS NOW IN PROGRESS, I FEEL THAT THIS ATTORNEY IS TRYING TO RIP ME OFF ALSO I THINK HE HAS SOME CONNCTION WITH THIS COURT MARSHAL NAME XXXX XXXX XXXX XXXX OF NEW YORK XXXX XXXX I FEEL THEY ARE WORKING TOGETHER TO RIP OFF INNOCENT PEOPLE. WOULD GREATLY APPRECIATE IF THERE IS ANY ONE OUT THERE WHO ABLE TO HELP ME WITH THIS MATTER. THANK YOU. XXXX XXXX
I received a Mortgage Loan Modification in 2011 via CITI MORTGAGE ( XXXX XXXX owns the paper ). This modification was grated to me via the HAMP/HARP program via the Federal Government. That funding was provided to these banks from the Federal Government to provide relief to me, due to the housing crisis collapse. They modified my loan. However, they built into the loan verbiage that shares if I failed to make a payment or late payment any forgiveness will be forfeited. See Paragraph ( XXXX ). Principal Reduction Alternative. I did not know this verbiage was " baked '' into this modification. I think that is BS and if XXXX XXXX or Citi Mortgage is going to KEEP the {$66000.00} of forgiveness, I want that money RETURNED TO THE FEDERAL GOVERNMENT!!!! This is just ANOTHER CLAUSE that set people up for failure, at a very tumultuous time, so these BANKS can SNAKE the fees on the back end that were clearly intended to HELP PEOPLE not them! That said, my Mortgage is up to date. This Modification is current. I received a letter stating that at the end of this loan, if paid within 30 years, will owe CITI MORTGAGE another {$98000.00}!!! That is only based on today 's rates! This means that the {$66000.00} of FORGIVENESS is growing with interest on the back end! Again, this makes this loan affordable and OUT OF REACH and completely defeats the purpose of the Federal Government Programs for this purpose and their intention to ASSIST THE CHEATED CONSUMERS!
Wells Fargo Home Mortgage. 

Was in arrears with this company on my home. Decided I'd better sell before it was sold. 
Had two offers on house from XX/XX/XXXX and XX/XX/XXXX, and was ready to go to table, however Wells Fargo denied the sales because they said it was not enough money. However, buyers were pre-qualified. Real Estate agents had all figures to substantiate a good sale. 

My real estate agent ( s ) submitted reams of paperwork to assist with a sale, a short-sale, any type of sale to buy time and stay the idea of foreclosure. Wells Fargo did not even attempt to help with the sale, so they could get their money for my mortgage. 

I spent hours working with Wells Fargo people to help do a restructuring, to have NO-ONE return phone calls or emails. 

I spent hours talking with Wells Fargo attorneys in XXXX, PA to give me advice as how to avoid foreclosure, and to go to litigation for assistance on keeping home until I could get it sold. Went so far as the attorneys stopped returning emails and phone calls. SO UNPROFESSIONAL!

I was advised by the attorney secretary to : check on a Deed-in-Lieu, which is something that Wells Fargo has to refer you for. I just double checked with the Deed-in-Lieu department here and this is a request that has to go through Wells Fargo. When I forwarded your prior request they advised for you to call them.

After calling and calling to Wells Fargo, and being told that individuals would be in contact with me, I about gave up hope. 

I lost my house in XXXX. Not a word from any Wells Fargo administrator or their attorney 's that I was going to foreclosure. Just a nice notice on my door one day that my house was up for sheriff sale. Shouldn't I have received some sort of date-stamped document that said my house was going to foreclosure? Because of Wells Fargo underhanded manipulative ways, I lost my home, I lost most of my furniture, and I lost all my family pets. I have been put through turmoil because of their tactics, and KNOW I need some type of compensation for pain, suffering, having to find a new location to live, moving expenses, and the cost of losing everything mentioned above.
Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.
I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.
I have tried to resolve this with TransUnion before, this is my last attempt before filing suit. 
The following inquiries need to be deleted from my credit reports as I did NOT authorize them! 

1. XXXX XX/XX/2018 2. XXXX  XX/XX/2018 3. XXXX  XX/XX/2018 4. XXXX XXXX XX/XX/2018 5. XXXX XXXX  XX/XX/2018 6. XXXX XXXX XX/XX/2018 7. XXXX XXXX XX/XX/2018 8. XXXX XXXX XX/XX/2018 9. XXXX XXXX XX/XX/2018 10. XXXX XXXX XX/XX/2018 11. XXXX XXXX XX/XX/2018 12. XXXX XXXX  XX/XX/2018 I did NOT authorize anyone to check my credit.
A debt collector company by the name of Kirschbaum and Phillips out of  XXXX, NY ( XXXX XXXX ), has sent over paperwork to XXXX XXXX Sheriff 's Department, trying to hard ball me for a debt from 14 years ago ( XXXX ). At the time, I was totally clueless that someone could dispute a debt, and I wound up paying somewhere around $ 14k, paying off one debt and started paying another before I found out that debts can be disputed. I never told the collector at any time that I wouldn't pay the debt, but I DID send them a letter via certified mail, asking them to send me validation of the debt pursuant to section 809 ( b ) of the FDCPA back in XXXX and they never did. I never contracted with this company for them to collect any funds from me, and all I asked for was a copy of the contract with the wet ink signature from both parties, that I gave them permission to collect these funds. The statute of limitations on a debt in XXXX is 6 years. So why are they giving this to XXXX XXXX Sheriff 's Department NOW, when all they had to do was present me with what I asked for a couple years prior? I will be attaching a copy of the letter that I presented them 2 years ago that wasn't followed up with any response.
I previously deleted the following inquiries on my credit report and TransUnion has failed to provide me with an update and or remove the inquiries. The investigation has been longer than 30 days. 

The following inquiries are inquiries that I am deleting as a result of identity theft : XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I 've contacted each and every company and they ca n't tell why or how my credit was run. They advised that I dispute the information with the credit bureaus which I have done several times with TransUnion. If they ca n't validate the information for me and ca n't tell me why it was run then TransUnion must not be doing an investigation on these inquiries as I am requesting.
I've been trying to get a " HARD Inquiry '' removed from my Equifax report since XX/XX/XXXX with no results. Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX- I do not have any account nor have I inquired for any type of services with XXXX XXXX XXXX . I've called both companies only to be in the middle of neither Equifax or XXXX XXXX XXXX providing a resolution. They both have numerous times said to call the other and today is XX/XX/XXXX 'NO RESOLUTION '' from either entities. 
XXXX XXXX XXXX has said that I do not have an account with them, nor do they have my information for any of their products. Equifax states that they can not delete that inquiry even though XXXX XXXX XXXX is stating I do not exist on their system of records or credit inquiry for their products. 

How did Equifax generate a letter stating that the item has been verified and is accurate when XXXX XXXX XXXX does not have any records of my personal or S.S. # to their system?? I need help Equifax- I now understand why Equifax had breach problems.
This is a XXXX complaint on CFPB CaseXXXXXXXX. I received the letter dated XXXX/XXXX/15 reflecting a balance of {$3700.00}, Synchrony said they had credited the account due to customer service and goodwill. We immediately paid this balance of {$3700.00} on XXXX/XXXX/15, to be 100 % finished with this company. Today on XXXX/XXXX/15 I received a statement showing a payment of {$3700.00}, than a {$25.00} late fee was applied for not making a payment on XXXX ( I was in a dispute with them ... seriously why would I make any payment until I heard their response ), also there was an additional {$220.00} interest applied AND a new balance of {$6600.00}!!!!!! I am so upset and would NEVER recommend a person to open a care credit acct with Synchrony!!! The balance ( proof in their document in response to my original complaint ) was paid off and I want a new statement mailed reflecting a XXXX balance. This is absolutely ridiculous!
XX/XX/XXXX, I pursued assistance from Wells Fargo mortgage through their loan modification program and home preservation program. I was experiencing financial hardship and pending a XXXX retirement from XXXX. I was instructed to not pay what I could on mortgage payments because it may jeopardize qualification for Wells Fargo mortgage home preservation program. I continually submitted requests for information from Wells Fargo mortgage for home preservation program without any acknowledgement of acceptance into the program from XXXX XXXX, XXXX up until my pleading letters XX/XX/XXXX to keep home. I also attempted to seek assistance from Department of Veterans Affairs due to pending XXXX XXXX rating from XXXX injuries sustained during XXXX XXXX. Neither Wells Fargo nor Department of Veterans Affairs assisted in advertised home preservation or assistance programs. I was never contacted nor did I sign for served foreclosure documents. I was living in home and had all intentions of keeping home, but desperately needed assistance and all programs were a false sense of hope. I was thanked by Wells Fargo for documentation 8 days prior to auction of my home XX/XX/XXXX. I was attempting acceptance into home preservation program from XX/XX/XXXX until the following XX/XX/XXXX. The timeline of foreclosure, false programs for home loan modification and preservation, fees on foreclosure, amount house was auctioned for, to whom ( Wells Fargo Bank ), the Dept. of Veterans Affairs lack of assistance and advertisement of false veteran homeowner 's assistance, and the fact I lost my VA home loan in foreclosure. The XXXX. of XXXX XXXX nor Wells Fargo have contacted me about foreclosure since my 3 day eviction notice XX/XX/XXXX. 
Wells Fargo misrepresented information relating to a loan modification and home preservation. The Department of Veterans Affairs also misrepresented home veteran homeowner 's assistance programs that did not exist. The Wells Fargo mortgage did not provide a written decision of denial, explanation of denial, or any alternative loan modification or preservation options. All departments involve in home loan and home loan assistance need further investigation for unsafe and unsound foreclosure practices in Wells Fargo mortgage and Department of Veterans Affairs.
I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.
Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.
Shellpoint Mortgage has granted a 2 week stay of the foreclosure sale of this property. We have an offer to submit. However, repeated calls to Shellpoint Mortgage are not returned. Similar circumstances have prompted previous complaints ( XXXX ). Reached the Loss Mitigation Department, in the XXXX SC office, only to find out that only a certain team is handling this file. No one can provide an update, nor could anyone assist. It turns out that the " Special Team '' handling this file, which the investor is XXXX XXXX XXXX, is based in XXXX, Texas, and that QUOTE : " no work is being done at the XXXX  Office, due to the flooding, until further notice ''.
We have an offer, and no Shellpoint Staff is available to work this short sale.
XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.
For medical services rendered on behalf of my daughter in XXXX XXXX, I gave XXXX XXXX XXXX in XXXX, Illinois my insurance card so they could submit the claim to the insurance company. They apparently entered the insurance information inaccurately, and insurance coverage was initially denied due to the hospital providing the wrong policy number. When I discovered in XXXX XXXX that I was being billed for the full amount of {$4800.00} ( an outrageous amount for a XXXX, but that is another issue ), I contacted the hospital to determine why I was being billed for the full amount and why insurance had n't covered some portion of it. I once again gave them my correct insurance information, and they advised me they would take care of resubmitting the claim to the insurance company and would resubmit a new bill to me once my medical insurance had been properly submitted. Instead of receiving a corrected bill, within two months, I began receiving harassing notices and calls from a collection agency for the full amount of {$4800.00}, so I contacted the hospital again. I once again explained the situation, asked them to resubmit the claim to the insurance company, and asked them to contact their collection agency and remove the claim from collections and to contact any other credit reporting agencies to which the information was sent that may affect my credit score. Long story short, none of this ever happened. I have contacted the hospital four separate times about this, and each time I was assured the problem would be addressed. I also have explained the problem to the collection agency ( Harris & Harris ), and they say they can do nothing about it. Today I received another harassing call from the collection agency, so I contacted the hospital yet again. They advised me for the first time that they finally have received reimbursement from the health insurance company, reducing the balance due to {$430.00}. I advised them that I would be happy to pay that amount in full, but I needed them to contact their collection agency and the credit reporting agencies to fix their mess so my credit score would not be affected. Despite having never received a corrected bill showing the new amount, I did pay the {$430.00} in full over the phone. Nevertheless, the hospital 's account personnel advise me they can do nothing about their collection agency and my credit score even though it was entirely their fault. Please let me know what can be done to remedy this situation. Should I file a claim? Given the amount of trouble and harassment I had to endure combined with the damage to my credit score that the hospital tells me they will do nothing to remedy, I believe I am entitled to statutory and compensatory damages.
I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXXand noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't applied for anything this year. Due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with Equifax I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. 

1.XXXX XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXXXX/XX/XXXX 6.XXXX-XX/XX/XXXX 7.XXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX - XXXX-XX/XX/XXXX 10.XXXX - XXXX-XX/XX/XXXX 11.XXXX XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX & -XX/XX/XXXX