WillisBack/dataset-financial-user-claim huggingface dataset:
In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
On XXXX XXXX I signed to a 42 month loan with Heritage acceptance corporation out of XXXX Indiana. I signed to 21.70 % apr, a 42 month loan, after 2 years and 6 months of payments I've added my monthly payment of $ XXXX. Why has heritage added another 8 months of payments to my loan without my Permission and without my knowing? I've asked them since XX/XX/2017 to send an itemized statement, I've asked XXXX, XXXX, and XXXX. I've still not received a statement of any kind I just get told if I don't pay the monthly amount they'll repo the vehicle. Now with them adding almost another {$2000.00} on my loan at this rate they could have anyone pay {$500000.00} for an XXXX XXXX with XXXX miles! Total violation of my rights and truly a breach of contract! But what can I do, they've got the title so i guess they can add whatever to your loan and you better pay it on top of the high interest rate or you'll just be out {$8700.00}!!!! 
Since the beginning of the loan i was placed on biweekly payments when I showed them I receive social security supplemental income payable the first of every month so they've had me paying biweekly and keep saying I'm behind although I never have received a statement in 30 months of a XXXX  month loan! I can not believe this place is allowed to still do loans!
For the past three months I have been attempting to have an item that was incorrectly placed on my credit file removed. After several unsuccessful attempts with the three major credit bureaus I contacted the Consumer Financial Projection Bureau ( CFPB ) for assistance and received some assistance and relief. XXXX responded to the CFPB and claimed to have contacted all three major credit bureaus to have the error removed from my account. XXXX and XXXX promptly removed the error and updated my credit file. However, EQUIFAX is the only credit bureau refusing to remove the item from my credit file. According to EQUIFAX, they have not received information from XXXX to remove the item and will not reinvestigate the error or contact XXXX. I am providing proof from correspondence I received from XXXX as well as correspondence sent to CFPB requesting that the error of collection be removed from my credit file. Today I contacted XXXX and EQUIFAX to no avail. XXXX indicated that they have already contacted the three credit bureaus and EQUIFAX has stated that they can not remove the item without contact from XXXX ; however XXXX stated they did contact them and ca n't control the removal filed by EQUIFAX. 

I can not get into my online profile because EQUIFAX is not allowing me to even after I have answered all of the identity questions several different ways on several different occasions. I can not get the help I need via phone and when asked to help access my file online I am told they can not fix it. I am now locked out of my own profile.
XX/XX/2018 XXXX dollars XX/XX/XXXX, I was going to buy a item. Later, one man named XXXX XXXX added my social media account. He said he have the item. He wants to transfer money by XXXX. I said OK. That's fine. Then I transferred XXXX dollars to him. His email address is XXXX. I realized I was scammed by him after two hours later because he didn't reply me anymore.

This morning, I called Bank Of America. The officer just told me they can do nothing even though the order is still in processing. They suggested me to call the police. I'm a XXXX of University XXXX XXXX. XXXX XXXX dollars is a huge amount of money to me. I need to work a lot to earn XXXX dollars. I will suffer financial difficulty if I can't get the money back. Please help me!!!
FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.
I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.
Portfolio Recovery is s tating I owe  XXXX  debts of {$390.00} and {$360.00} for credit card accounts originally with   XXXX   XXXX  . I repeatedly disputed this claim several times via mail for about a year now because this is not my debt and fraudulent activity with this account. I have never signed a contract. I have even attempted to a pay for delete sent certified mail for both account if they agree to delete they never responded to my request.
My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XXXX. The state of Kansas XXXX XXXX XXXX placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XXXX or XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
I applied for a flex loan with Cash Express last year. The employee told me that it would be cheaper than the current loan I had with them and we could pay my current loan off with the new loan. When I got my first statement, I realized that the employee had not been truthful. The previous loan I had was only due once a month with low interest. The new loan is due every two weeks with 279.5 % interest. Soon after I went in to make my payment and the store had new employees. They looked over my file and realized that the employee who originally filed my application was not truthful about my monthly income. Without my knowledge she put on the application that my income was significantly higher than it really is. I also noticed that my statement sent in the mail did not match what they verbally said that I owe every two weeks. My statement shows that I owe a payment monthly. When I questioned them about this, they said that my statement is not correct. They said that the amount on my statement is actually split into two payments that are due every payday. Around XX/XX/XXXX when I called and asked how much my payment was they said they weren't sure because there was something wrong with their system. They said just pay whatever, like {$100.00}. I did as they requested. Soon after, the location I had been going to closed down. They told me I needed to work with another location. The manager from the other location called me on XX/XX/XXXX around XXXX XXXX. She told me that even though I made a payment of {$120.00} on XX/XX/XXXX that I needed to bring in {$99.00} by XXXX XXXX  or they would ACH my account. I told them that I wasn't aware of any money due and had not received a statement reflecting that. She said the past due amount was from previous months when the employee at the other location was telling me to pay whatever I wanted. I explained to her that I did not have the money in my account and I needed them to hold it until XX/XX/XXXX since I wasn't even aware until that day that it was owed. She agreed to hold it until XX/XX/XXXX. She did not do as she agreed. She sent through an ACH on my account that evening, XX/XX/XXXX, after saying she would hold it. My concern now is that my statement every month is not matching what I owe. For example, my statement for XX/XX/XXXX to XX/XX/XXXX that I received yesterday shows that I have {$210.00} due on XX/XX/XXXX. The manager called me yesterday demanding that I pay {$130.00} by XXXX XXXX or they would ACH my account. I called and spoke with the district manager today, XX/XX/XXXX and told her that I was filling the report and would not pay until XX/XX/XXXX as my payment reflects.
On my Transunion Credit Report, the account " XXXX '' should totally be removed. It was already removed from XXXX but for some reason Transunion has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. XXXX
On XXXX 2012 my home was sold at a trustee sale after it was foreclosed on. I had a second mortgage with Capital One on this property and they are still reporting it as an open account with a balance and are reporting anew 120 day late every month.
I have notified Equifax many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.
HELLO, I TOOK OUT AN AUTO LOAN BACK XX/XX/XXXX WITH SANTANDER CONSUMER. THE LOAN WAS FINANCED AT {$13000.00}. OVER THE COURSE OF THE LOAN I HAVE HAD LIFE ISSUES AND HAVE PAID PAYMENTS BEHIND, TAKEN DEFERMENTS AND WENT THROUGH A PAYMENT REDUCTION FOR A SHORT PERIOD OF TIME TO HELP ME. AS OF XX/XX/XXXX I HAVE MADE XXXX PAYMENTS OF {$390.00} WHICH IS A GRAND TOTAL OF {$20000.00}. I WAS TOLD THAT THE BALANCE STILL DUE WAS XXXX AND THAT NONE OF THAT MONEY WENT TO THE PRINCIPAL BECAUSE OF PAYING BEHIND. I HAVE ONLY RECEIVED THE STATMENTS REGULARY IN THE MAIL. I HAVE NO PAPER WORK TO SHOWING EXACTLY WHAT THE FUNDS WERE ALLOCATED TO. I WAS TOLD THAT THE ACCOUNT WOULD BE CHARGED OFF ONTO MY CREDIT. I HAVE MORE THAN PAID FOR THIS CAR THAT IS CURRENTLY WORTH AROUND {$3000.00} AS THIS WAS A XXXX NISSAN. THE CAR WAS N'T EVEN BRAND NEW WHEN I GOT IT. I BOUGHT IT FROM XXXX XXXX LOCATED IN XXXX, GA. I WAS TOLD THAT THEY NO LONGER DO BUSINESS IN XXXX, BUT IN XXXX. BOTH LOCATIONS WERE SOLD TO MY SUPRISE.
In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.
This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
VW Dealership took my Trade In ( XX/XX/XXXX XXXX which was paid off ) and rolled my equity over as NEGATIVE equity into my new Car Lease for a XX/XX/XXXX VW Jetta. I have been paying $ XXXX/month on a Car Lease that ends XX/XX/XXXX. I have made attempts to buy out the Car/Lease and Trade In but have not been able to because the entire Loan and Residual Value via VW Credit are skewed. Now within the last 90 days of the Lease I am being harassed and the car has been wrongfully repossessed. 

TIMELINE XX/XX/XXXX 1st trip to XXXX in XXXX ( ALL the following pts. below are documented ) Put down {$4000.00} ; told Sales Rep that my budget was no more than {$350.00} in monthly payments Discussed XXXX, only Why not XXXX? Why not a purchase w/ a $ XXXX down payment XX/XX/XXXX 2nd trip to XXXX in XXXX Signed a lease agreement 4 years ; $ XXXX down payment at signing $ XXXX monthly pmts with VW Credit XXXX was the Salesperson as documented XX/XX/XXXX : 3rd trip to XXXX in XXXX XXXX (? ) Leased not approved by VW Credit Lease sold to XXXX ( *Across the Street from Dealership ) Additional {$1500.00} of down payment ( Current total cash paid {$5500.00} ) Put into an OPEN-END COMMERCIAL LEASE In the name of XXXX XXXX ( XXXX years old recently XXXX from college in XX/XX/XXXX ) Paid for 61 Months - 13 months beyond term Could not reach Bank nor Dealership to determine what to do at the end of lease ( called every month for nearly a year ) NEVER TOLD BY XXXX THAT A 3RD PARTY LEASE WOULD NEGATE MY ABILITY TO TURN IN MY LEASED CAR FOR ANOTHER VW FOR THE STANDARD {$350.00} TURN-IN FEE XXXX actually hand wrote on new contract that my " term '' was still 48 months ( see. Exhibit TOTAL PAYMENTS = {$25000.00} + {$6000.00} = {$31000.00} XX/XX/XXXX ( XXXX ) Went to XXXX VW in XXXX, VA ; Goal to turn in leased XXXX for another VW and monthly lower payments ( XXXX VW ). Spent 10 hours at Dealership. 
Specifically told Salesperson that monthly payments were too high, did not need a XXXX because it was too big for a single young female, and expressed that my budget was $ XXXX/month or less. 
Not considered a " Lease Exchange '' due to outside banks involvement Told by Dealer that trade-in allowance would be {$12000.00} ; in reality trade-in allowance given was only {$4000.00} Dealer ( XXXX ) stated remaining lease owed of {$8100.00} even though paid XXXX additional payments @ {$420.00} ( {$5400.00} ) Instead of {$12000.00} trade in allowance, actually had {$4100.00} applied to the lease ( as negative equity ) increasing amount of lease and payments as well as residual value Dealer did not pass on ANY incentives VW customer loyalty ( see Exhibit Dealer did not provide advice on how to handle remaining " lease '' due to overpayment to bank-wanted to make a sale =Could have kept XX/XX/XXXX XXXX and had lower payments and/or dealt with it the appropriate way with VW/Dealer/Industry Leader help/advice ATTEMPTS TO BUY OUT CURRENT LEASE ON XX/XX/XXXX VW XXXX
Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''
EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION
Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused
I previously sent Porfolio Recovery Associates a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. During my request of proper debt validation with Portfolio Recovery I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.