WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results.
Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.
This has got to end, I have disputed this account through XXXX XXXX for a long time. This debt is past the statute of limitations and should not be listed on my personal credit file. I have requested the actual company XXXX XXXX to even validate and nothing has even been received after numerous disputes and validation request. My next step if this is not resolve is to hire an attorney. There is a law that is in place for a reason. I am requesting Experian to remove through your agency as my disputes they do not investigate nor comply with the law.
Upon looking at my credit report. I noticed that the following companies have placed credit inquiries on my credit without my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX I have spoken with the companies and Experian and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
I have two consolidated student loans. Both with Sallie Mae now Navient.During the XX/XX/2009 Georgia XXXX furloughs, I was advised by Sallie Mae to sign up for Forbearnace. I have XXXX in a XXXX XXXX for over fourteen years. I have been denied for the XXXX Loan Forgiveness program 2 times. I have never missed nor been late on one payment in fifteen years.
jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX. 

around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me. 

then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''. 

no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow. 

called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification. 

my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure. 

XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do. 

on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building. 

hope you can help? thank you in advance, XXXX XXXX
I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.
I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).
I have 3 hard pulls and do not know who they are.

1. XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

2. XXXX XX/XX/XXXX - Pulled a hard pull on my credit without my consent.

3.XXXX XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

I also have 2 derogatory accounts that I have tried to resolve.

1. IC Systems XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX
I continue to receive unsolicited/unwelcomed threatening phone calls from a company only known as R.P.M. collection agency ( phone # ( XXXX ) XXXX ) who refuse to share any information with me as to the nature of their business or who it is they are representing, instead I 'm asked personal questions or they simply hang up the phone, I have been extremely patient in this matter but I have reached my level of tolerance with these unwanted disturbances
When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.
I had a company contact me for a debt that is showing charge off status and a XXXX balance owing on the account. When I informed them of what my credit report was showing they told me that it was done in error and that I still owed them money. They offered for me to settle and said if I did that they would take the entire thing off my credit report. I told them that if they had already charged off my account and reported a XXXX balance that I was not obligated to pay them anything because the debt had been written off. The report the account charged off in XX/XX/2015. The collected payments from me even after the account was charged off from XX/XX/2015-XX/XX/2015 after which I stopped paying. They now starting calling, texting and emailing me today about the account stating that I owe {$60000.00} and that if I do n't agree to pay or settle that they would have their attorney sue me. This is the second time the have threatened me with a lawsuit. The first time I was in a payment plan with them and they filed a suit. They have also called my business and told my employees that they were going to send someone to pick up all my office furniture and equipment if I did not pay them money. They have used several strong arm tactics that I feel are illegal. I had to hire an attorney to contact them and they withdrew the case. This company offers high interest cash advance loans. I do not believe I owe this money anymore because it was charged off and XXXX out. I believe they are trying to correct an error made on their end and force me to pay for funds they wrote off already.
Equifax did NOT protect my identity and my personal information once the company realized it experienced a major hack. The hack happened in XXXX XXXX ; the company reportedly found out in XXXX XXXX ; the company did NOT notify me or anyone else that they, or I, experienced the hack. It did nothing to protect me or any other consumers during this time. To find out in news in XXXX XXXX, 2-4 months after major security leak occurred, the company has breached its duty to consumers. This is unforgivable when identities of > 100 million people are at stake and caused lifelong repercussions of this irresponsible act. The first act of being hacked is a shame, however, as custodian of sensitive and critical information of people 's lives, the company betrayed the trust of its consumers when it severely delayed notifying consumers of the hack. Equifax demonstrated itself as unethical, negligent and irresponsible. The company must and should pay for its deliberate act of omission.
I called an requested to be set-up with an income-driven repayment plan. I provided all the information required and was approved. I provided the information to have the payments deducted from my checking account. Navient was able to withdraw the first payment without an issue. All subsequent payments were rejected due to Navient entered the banking information incorrectly. I requested that Navient reenter my banking information and paid the current amount that was due as well as payments that were missed due to their error given that I escrowed the missed monthly payments. That payments was successful withdrawn. I am now being told I do not qualify for the amount agreed upon. They stated that I get a monthly bonus from my job after reviewing my bank statement. This was the farthest from the truth. Many of the agents are difficult to deal with given they have little knowledge of how to set-up payments in their system or make changes and corrections.
I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how equifax has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the Equifax 2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago. 

I then went to the XXXX website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the XXXX website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.
since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.
This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. 
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. 
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. 
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. 
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. 
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
REQUEST FOR XXXX AND OR PERMANENT MODIFICATION BY CHASE WAS HELD FROM XX/XX/XXXX TO XX/XX/XXXX OVER A YEAR AND NEVER COMPLETED WITH ALL REQUESTED INFO SENT. XXXX XXXX XXXX TOOK OVER A YEAR TO FINALLY APPROVE A PERMANENT MODIFICATION IN XX/XX/XXXX WITH A AFFORDABLE PAYMENT AMOUNT BUT AFTER A YEAR OF PAYMENTS BY ME ON TIME DECIDED IT WAS NOT A PERMANENT MODIFICATION. THIS IS NOT SHOWING ON MY CREDIT REPORT. I HAVE ASKED ABOUT MY CREDIT REPORT TO XXXX JUST RECENTLY AFTER BEING DENIED FOR AN APARTMENT. I HAVE ASKED IF A STATEMENT COULD BE ADDESHOWING SHORT SALE IS APPROVED AND SINCE LOAN NUMBERS ARE THE SAME FOR CHASE AND XXXX THAT ONE ENTITY BE CHANGED ON CREDIT FILE. I HAVE ASKED THIS BECAUSE OF THE ADVERSE REPORTING EFFECT OF ME UNABLE TO PAY NOW WILL HAVE ON ME AND MY SON 'S CREDIT SCORES.
After turning in the car in EXCELLENT condition, they stuck on a " disposition '' fee for {$350.00}. Feel this is an unjust " garbage '' fee.
I would like to first point out XXXX XXXX XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. 

XXXX XXXX XXXX 's reported to Experian, the first date of delinquency reported in XX/XX/XXXX.  Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. XXXX is attempting to restart the debt by reporting the first date of delinquency is XX/XX/XXXX, without including historical data. 

I have been reaching out to Experian almost one month regarding the reporting of XXXX XXXX XXXX on my credit report. Explaining XXXX is not reporting the data correctly. I spoke with XXXX on XX/XX/XXXX XXXX EST who is a customer service representative at Experian she explained there is no record of XXXX XXXX XXXX 's reporting on any of my credit reports from XX/XX/XXXX. I have attached the reporting for Experian to review.
XXXX   XXXX     2014 I ap plied for bankruptcy. At which time the debt to  XXXX   Huntington Bank  for {$63.00} was listed in the petition. On  XXXX   XXXX ,  2014, the  debt was  discharged through the bankruptcy. This is still listed on my credit repo rt and   XXXX   XXXX   Report. Please adjust accordingly.     Case #  XXXX   XXXX   XXXX   XXXX   XXXX    Pennsylvania.
This is a complaint against LendingClub and XXXX, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the
On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.