WillisBack/dataset-financial-user-claim huggingface dataset:
My credit card company ( XXXX ) accidentally issued a hard inquiry on my credit report. This action took place on XX/XX/18. I spoke with XXXX regarding this issue and they agreed that it was their mistake. XXXX then sent the appropriate information to Equifax to resolve the issue and remove the hard inquiry. XXXX sent me a letter dated XX/XX/18 that explained what they had done and that they were correcting the issue with Equifax. It has been over 30 days and Equifax still has not removed this hard inquiry from my report. I spoke with XXXX on XX/XX/18 and informed them that I am still seeing the hard inquiry on my credit report. XXXX then said that they would resend the information to Equifax to have the inquiry removed. I disputed the hard inquiry with Equifax as well and still no action has taken place to remove this hard inquiry.
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1099-C, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/XXXX even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am XXXX days late EVERY month. This needs to be fixed. I have attached the proof.
I have an account with Equifax which I pay for monthly. I check my credit report every day and for the last 2 months Ive noticed my credit card balances and the dates they report my balance are incorrect on my credit report. I disputed this with Equifax for 2 months and still I dont see a change. I started the disputes XX/XX/2018. My car loan is reported as closed and its not closed Im still paying on my car loan.
I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.
Somebody used my social security n identity at hospital in XXXX and I live in XXXX from last 6 years just called hospital and they put it in fraud and gon na investigate and call me back in 24 hours I called XXXX about the inaccurate collection in my credit report and they said gon na put it in dispute tried to do on Equafax online but in vain hopefully they can resolve this issue as soon as possible
I made the mistake of taking out a {$1000.00} loan with this company under the impression that I would only incur {$350.00} in finance charges. That my first payment would essentially be my finance charge and that all subsequent payments following would be towards the principle. I thought the government regulated the limits a company can impose finance charges to protect U.S. citizen consumers from foreign financial scams. After my most recent payment is when I was alerted to this. I have made payments totaling {$1400.00} already and have n't even touched the principle according to there information. This is unlawful and illegal for this company while on U.S. soil to operate and defraud U.S. citizens out of money. I will continue to pursue making this practice illegal by contacting my districts congressional office and senate until this matter is resolved. Its unfair that BigPictureLoans is allowed to word and market there product in a way that preys on people desperate for a quick loan. As the great grandson of a XXXX XXXX member, I am more than sympathetic regarding the mistreatment and unethical treatment of our XXXX through the history of the United States and I stood in spirit along with those at 'XXXX '. However, this is where I draw the line on the legal things XXXX can do via XXXX that cant be done elsewhere in the continental United States. If its illegal for foreign countries to prey on our consumers financially, then that should stretch domestically.
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
I was on an Income Based Repayment Plan ( IBR ). I sent my documentation to renew on XXXX XXXX, 2016 so it would reach Navient before XXXX XXXX when my payment was due. I am unable to make full payments as I work only part-time. They did n't process my documents, so on XXXX XXXX I uploaded it to their website at www.navient.com and the next screen said it would be processed in 5-7 business days. I also emailed customer service that I uploaded it so they knew it was there to process. I never received a reply, and my request for renewal of my IBR has been ignored. I emailed customer service a second time on XXXX XXXX asking them to please process my documents and renew my IBR so that I can make a payment. I did not receive any reply to that email either, and my request and documents still have n't been processed. I postal mailed my documents to them again ( this makes three times I have provided my documents to this loan servicer ) on XXXX XXXX and they still have not processed them and adjusted my payment to the IBR amount so I can make a payment. They call my cell phone every day with a robo caller and dun me for payment, which costs me money, so I blocked their calls to that number. They have my home phone number, yet they do n't use it to get in touch with me and get this straightened out.
When I had my credit check and found out that this was on my credit and saw the amount and called seven ave to see what I owe and was told I still owe {$200.00} dollars and I said how 's that if I only bought XXXX cameras from you that cost {$99.00} each and I already paid a total of {$150.00} dollars XXXX payment given XXXX of {$50.00} and {$100.00} XXXX.
creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX
We have requested multiple times through XXXX XXXX, XXXX  and Bull Financial the validity of in item on my credit report without any proof or confirmation. We have disputed an item from Bull City Financial Solution # XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # XXXX and have even called on a number of occasions and still no documented proof of this negative mark on my credit account. This item was place on my credit report on XX/XX/XXXX for {$110.00} and since then I have been denied credit ( s ) and has effected my right to credit etc. I have requested from all parties XXXX XXXX, Bull Financial, XXXX documented proof of such bill or to have it removed accordingly. I have stated that this bill is not mine as there was a XXXX XXXX residency issue where we received two bills as there were more than one resident showing on XXXX files for our legal address and then was corrected by XXXX XXXX but now it appears this issue/debt was passed onto us. As stated before we believe this is not our bill and have demanded/requested we see this bill / debt validity before paying from all parties with the account detail from the month we were in residency to the final month of residency to confirm this debt that we are disputing shows this valid amount and not just a rollover of this issue into our credit etc. Here are our contact listed : XXXX XXXX XXXX   XXXX ( spoke to XXXX ) File Number : XXXX and reported XX/XX/XXXX and again XX/XX/XXXX first dispute and second dispute closure. As a result XXXX XXXX states they can only confirm the accuracy if Bull FinanciaXXXX states it is valid and not actually verifying the actual debt. This does not make a debt valid by verifying only one side without actually verifying the debt as we are the ones disputing this item and have the right to see a debt as valid before paying. 

We also contacted XXXX XXXX XXXX and they stated they can not provide proof and must go through credit debtor Bull City Financial # XXXX for files confirmation. 

We contacted Bull City Financial XXXX ( spoke to XXXX with no resolution and no evidence of said bill disputing ) as he states can not provide proof of such debt and we have waited since XX/XX/XXXX to today XX/XX/XXXX and have to receive any confirmation of said debt or proof of its validity and refuse to pay this debt without this proof as out rights to pay a debt is being violated and forced to pay an unknown debt or have it remain a negative mark on my credit report. 

I am filing this report as none of the entities described above can provide proof nor remove from my credit report and attempting to bypass my right to confirm and pay or remove as an invalid debt.
I paid this in full on XX/XX/XXXX the original debt was a credit card with XXXX then went to collections with XXXX XXXX XXXX. It is still under the collections tab of my credit report I have disputed it and have given proof it was paid but the credit bureau will not delete it.
In XXXX of XXXX I engaged in a traded in with my XXXX Honda Civic at XXXX XXXX, because the car battery continued to fail. I was told by the dealer that in order to trade in the car I would need to commit to a new car to receive financing. At the time of trade in I was told that there were no more comparable cars on the lot, so I choose to finance a Honda Accord. I was informed that the monthly payments would be XXXX due to my history and score which was a XXXX - XXXX at the time. Because I was dependent on a car for work and personal responsibilities, I agreed reluctantly to finance this amount. As I struggled to make the payments, I 'd had spoken to Honda Finance regarding lowering my payments but was informed that it could not be done at the time. After completing a XXXX XXXX XXXX at XXXX XXXX and performing my own research thereafter, I realize I was a victim of discrimination as an XXXX XXXX women being manipulated to pay unreasonable high interest rates on a Honda Accord over the course of 6 years. I 've been struggling for close to 4 years not realizing the extent of this violation against me and felt that I was obligated to pay this rate due to poor credit.
Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.
In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks. 

Please help us
I bought a {$200.00} prepaid Master Card issued by U.S. Bank on XX/XX/2016. Before using the card in XX/XX/2016, I checked online to confirm the balance and saw that the card has been fraudulently used at XXXX 's on XX/XX/XXXX for {$190.00}. Since, the card has always been kept locked in my custody, I promptly called customer service on XX/XX/2016 and told them about this issue. 

The agent took my complaint and said that they will do a review. After about 15 days, I received a form which asked me to certify that the transactions disputed were not made by me. The letter said that filling up the affidavit ( form ) and sending it back was optional. However, to expedite the process, I filled it up and faxed it back to XXXX on XX/XX/2016 at XXXX AM XXXX. 

After patiently waiting for around 45 days, I called back on XX/XX/2016 to check the status of dispute. The agent said that they never received the affidavit back. This did n't make sense to me since I have a receipt of successful fax transmission to XXXX on XX/XX/<YYYY> Moreover, as per the language on the form, it was optional anyway. Since, the conversation was n't going anywhere, the agent suggested that she can resend the form to me and I can fill and send it back to them again. 

I received the form again in a few days which I faxed back to the required number very next day. 

Unfortunately, today, I received a letter from XXXX services dated XX/XX/2016 saying they ca n't help me with the disputed transaction since I reported it beyond the 120 day limit. 

I do n't agree how this issue has been handled due to following reasons : - I disputed transactions on XX/XX/2016 and XX/XX/XXXX ( again ) both of which fall in the 120 day window begin quoted by XXXX XXXX. 
- XXXX XXXX conveniently denied receiving my fax on XX/XX/XXXX even when I have a receipt showing it was successfully delivered. 

Hence, I strongly believe that XXXX XXXX. Bank are giving me a runaround for no fault of mine.
disputed inaccurate infoormation with transunion due to accounts that are not mine.file # XXXX i know that it may take some time to investigate and reach out to the company so iwas expecting to hear something back in about 30 day. to mt surprise i recived a update in 2 days saying dispute completed. how can you properly investigate and rach out to a company in less then 2 days. the accounts that i am disputing are not mines. i requested validation and recived nothing from either credit transunion or creditors.
Between XX/XX/2018 and XX/XX/2018 Douglas Chancellor Meyer placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.
Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX
XXXX has placed account into collection with 4 different collections agencies. Each time we dispute the debt they do not reply within the 30 day timeframe and sell the debt to a different collection agency. They are reporting negative information on my credit report and have no right to do so, since they are in violation of the FDCA and FCRA. We have Cert RRR confirmation for each time we disputed the debt with each credit reporting agency.
Tried to dispute inquiries with XXXX Equifax, and XXXX over the phone they all 3 told me it can not be done over the phone, which I have always done in the past.
I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make.
checking credit My credit has been reported delinquent 30, 60, 90, 120 days and it was supposed to be corrected. It is showing that this is over 10 years old. I spoke with my previous servicer, XXXX, and it was supposed to be corrected before it got moved to Nationstar. Nationstar continued to report delinquent when it was supposed to have been corrected.
My credit card account was recently purchased by Capitol One from XXXX XXXX XXXX. I was not given notice by either company of this transaction therefore ; my auto debit for monthly payments to XXXX ceased and no payments were being made to Capitol one. I did not know these payments were needing to be made because I did not recieve notification from Capitol One or XXXX XXXX XXXX that my account was sold. I had no way of knowing that i needed to make Payments to Capitol One. Furthermore once i was notified late XXXX that I had late payments by XXXX XXXX I immediatly made all past due payments and set up auto draft with Capitol One in order to maintain good status with them. My credit score has now been damaged and impacted with a 30 day + late payment and Capitol One will not remove the 30 day late report to the credit bureau. I am currently in process of buying a house and I need this removed immediatly. I have been in good standings with all creditors for 4 years and not missed or been late to any creditors however this is causing my credit to be blemished. I feel this is in no manner my fault and would like it to be removed from my credit report as a late payment.
XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.
I recently changed banks and changed my banking information on XXXX website. I got an email saying they have received my payment on XXXX/XXXX/2016. I checked their website and it showed my payment was current and my next due date was XXXX/XXXX/2016. I noticed the money was not taken out of my bank account so I thought maybe it was just a delay. 10 days later XXXX/XXXX/16 I got a letter saying there was a problem with my payment information. I checked the website and it now said payment was overdue. I submitted payment again and called ocwen customer " service ''. I was told that my payment was submitted and there was no problem with it. When I told the customer rep that they did not take the money out of my account and asked why, I was told that the payment did not go through the first time due to a problem with my bank but he could not tell me what it was. I told the customer rep that they need to update their website as it had incorrect information on it which caused me to assume everything was OK. He said I was being charged {$59.00} for the payment being returned even though I was told the payment was current and the website reflected that. I told him to cancel my current payment until I figure out what was going on so I did not get charged this ridiculous fee again and he told me it was too late to cancel the payment and I will be charged the fee again. So I am being charged $ XXXX+ in fees for XXXX mistakes and do not believe this is fair. On top of that I sent in a request to have my escrow account removed and was denied due to false information from their escrow department. My loan to value ratio is XXXX % but they had it at XXXX % even though I offered to provide proof of my appraisal value.
Equifax is refusing to investigate and remove some accounts from my credit report that do not belong to me and correct some accounts that are reporting incorrectly.