WillisBack/dataset-financial-user-claim huggingface dataset:
I have continuously disputed the AL Child Support Case with Equifax. I have also provided proof. However, Equifax has continued to violate my rights as a consumer to correct and delete incorrect information and the account. I have disputed the late payments as well as the amount expected to be paid on this account. None of which has been reported correctly. Equifax has parroted the account instead of an actual individual reviewing the account and the proof I provided. Equifax has claimed to have " verified '' the account. I have never been late with my child support payments. I have never not paid my child support and the amount expected to pay is incorrect. I will provide my check stubs for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX XXXX from XX/XX/XXXX as well as the child support order from the courts showing my actual payment amount which is {$850.00} a month. On my check stubs the child support deduction is labeled as " Other deduction 1 '', which is deducted weekly from my check. Which as always been on automatic deduction. The incorrect reporting has continued to cause my credit score to decrease and has caused me to be denied for a Mortgage Loan.
I received an email from a law firm yesterday XXXX stating that I have an outstanding balance with ACE Cash Express for {$850.00} which is the settlement amount. It notes that I am being sued by the court. I called Ace Cash Express and I am not in their system at all and this is probably a SCAM. 
The law firm is located in XXXX and the Sr. Officer 's name is XXXX XXXX. In the email which I will attach as a document, says that I am to only respond by email and the call back number for XXXX XXXX is XXXX. 
I have contacted the law firm in XXXX regarding this matter but no response yet. 
This is ridiculous.
all three credit company refused to put the right credit score on my paperwork i think i am a victim of my information being used in the wrong way i have no funds save up yet but i feel that i still need to know my real credit score my rights as a cardholder is not being handle right by all three credit company i think they should look at a little closer thank you XXXX XXXX XXXX XXXX XX/XX/2018
I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX and XXXX XXXX XXXX
On XX/XX/XXXX, I was given Durable Power of Attorney, both financial and medical, for XXXX XXXX XXXX. He has been diagnosed with XXXX XXXX and other illnesses. He has a reverse mortgage on his home with Champion Mortgage. Their contact information is as follows : XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone ; XXXX. I have been trying to be acknowledged by this company since XX/XX/XXXX, with no success. I have sent them my power of attorney and addresses, and they still refuse to send me XXXX 's statements or any information regarding his account. It 's almost XXXX and they continue to tell me they do receive my faxes or it 's in 'process '. Last week his caregiver called with a letter he received that threatened to bill him some {$2400.00} for homeowners insurance, since his has lapsed. This is not true. I have all his accounts current including property tax and homeowners coverage. I have been told his account is in default and they threatened me last week with foreclosure. To date, they refuse to send me his statements. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX, supposedly a supervisor. I faxed all my information to him again using two fax companies with a note to please call me with confirmation that he received everything. He still has not called to confirm. I need your help.
I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.
i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet
My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.
I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me. 

I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified. 

The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.
My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close
I received a call from Mitchell Bluhm and associates regarding an old medical debt. Three dates of service, however I applied for financial assistance through the hospital and believe that the bills had been waived. 

These people called me, claiming to be a law firm. They are not a law firm, they are bill collectors. The debt has been sold three times and I haven't heard anything about this for a long time until today. 

The person told me I was " not yet '' named in a lawsuit, and if I paid them they wouldn't sue me. I asked if the number she had called from was her call back number, and she said yes. However, I looked up the number and it is VOIP. The number came up as in my area ( XXXX ), but this company is located either in XXXX or XXXX. They have called me from a second number that is also a VOIP. 

I told them I would reach out to the creditor. Then, later I called back to request their mailing address so that I could send a debt verification letter. The woman on the line was hesitant to give me the address, but the address she gave me is a P.O. Box located in XXXX, XXXX. 

They are harassing me and making false statements, threatening legal action if I don't pay now etc.
I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.
For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.
I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.
Over the past few weeks the credit card company has called me numerous times throughout the day. They will not leave a message so that I can return the call when i am not at work. Also, when I have been at work and picked up the call the people on the other end are just rude. I have requested for them to not contact me during me work hours, which are generally XXXX, and of course I get the response " well if you would handly your debit we would n't be calling you. '' I have no problem explain the situation and working through to pay off the debit that I owe but my job does not allow us to use our personal phones while on company time.
Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.
I consolidated the balance of my son 's student loans in 2006. Even though I paid on time regularly every month, AES has failed to reduce the interest rate as I was promised. Their response was that option was eliminated when the loans were consolidated. That was never conveyed to me and I would never have agreed to it.
I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.
On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.
The XXXX XXXX XXXXXXXX card enrolled me in credit protection when I opened the account about 2 years ago. XXXX has gone out of business, so the card is technically 'closed ' pending the payoff of my current balance. The 'credit protection ' is adding about 50 % more each month to my bill and I am attempting to cancel it, however I need my credit card number to do so. Unfortunately, I have lost the card. When I reported the card as lost to XXXX XXXX, they told me they were unable to send me another card. I asked how I was supposed to get my account number and was told it was on my monthly statement only to find out it is, in fact, not on the monthly statement. I believe the company is intentionally giving me the run-around to prevent me from cancelling the 'credit protection ' they charge me so much for.
I applied for a Secured Discover It credit card  in XX/XX/2018 and paid a deposit of {$500.00}. This is the exact webpage I clicked the " Apply Now '' link when I applied : https : //www.discover.com/XXXX The title of the webpage is " The Discover it Secured Credit Card '', It claims you get " 2 % cash back at restaurants or gas stations on up to {$1000.00} in combined purchases each quarter. Plus 1 % cash back on all other credit card purchases. '' As an aside : Discover offers 2 main types of cards with different rewards programs : 1. ) " Discover It '' - which offers 5 % back on different categories each month, 1 % on everything else 2. ) " Discover It Chrome '' - which offers 2 % back on restaurants and gas, 1 % on everything else At no point on the entire webpage where I applied is the word " Chrome '' ever written once.

I applied for this card and gave them my {$500.00} deposit, under the auspices that this secured credit card offered the conventional " Discover It '' card benefits ( notably the 5 % cash back on rotating categories ) in  addition to the " 2 % cash back at restaurants or gas stations '' being offered on the application page. 

Only today did I learn that I don't in fact have the " The Discover it Secured Credit Card '', like the web-page I applied to says I would, but rather I have a " The Discover it Chrome Secured Credit Card '', which comes with the 2 % but no rotating 5 % back categories. I was offered an oppurtunity to switch to the " It '' card, but was informed that if I did so, my new " Discover it Secured Credit Card '' would not have the 2 % benefits explicitly stated in their " The Discover it Secured Credit Card '' webpage. 

Essentially the website conveniently lied about the name of the card they were advertising and what you actually are capable of getting in rewards is much less than what they are explicitly offering on the application page.
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Unable to obtain a copy of my rental/tenant history credit report. I wrote to you, and have not recieved any response.
I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.
On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.
I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.
Wednesday XXXX/XXXX/XXXX, I received an automated call to my cell phone from XXXX XXXX XXXX. The recording stated a complaint has been filed against me. " I have been retained to serve you at you residence or place of employment ''. The automated recording gave a " File Number '' XXXX, then stated that I have been officially notified. I called and spoke to a man who stated that I 'm being charged with breach of contract and attempt to defraud a financial institution. They 're stating that I owe Chase Bank {$3400.00} and they are pursuing me. They 're offering {$1200.00} to settle and dismiss the case. I HAVE THE CALL RECORDED!
They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.