WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Equifax to delete an account I had with XXXX that is over 7 years old ( XX/XX/2007 ). I have disputed this multiple times and they will not remove it. This is the response I keep getting : I did not dispute its mine but it is too old to be on my account. 

Thank you for giving Equifax the opportunity to serve you. 
Results Of Your Investigation ( For your security, the last 4 digits of your credit account number ( s ) have been replaced by * ) & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, SC XXXX Phone : ( XXXX ) XXXX
I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. 
They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. 
They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.
I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. 
- XXXX XXXX XXXX, 2016
i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.
starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX  XXXX. XXXX XXXX XXXX, GA XXXX, XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX, Trans Union LLC Consumer Dispute Center XXXX XXXX # XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond
Central Financial Control did not give proper notice either in writing nor phone call before reporting this to the XXXX CRA 's. I 've been making monthly payment and had no idea this account was in collections. The hospital itself did n't notify me when making my monthly payment that this account was in collections. The way I found out was when making my monthly payments in XX/XX/XXXX I see my FICO score drop XXXX point. I then pulled my credit reports from the XXXX credit reporting agencies which showed a collection from Central Financial Control ( SYNDICATED OFFICE SYSTEMS ). My next step was to send a validation letter since I had no idea why this account was in collections. The validation they sent me was a itemized statement not a physical contract between Central Financial Control and XXXX XXXX.I feel central financial control is practicing in unfair collection practices by not giving proper notice. It takes a long time to reach an XXXX score on your credit and for them to knock it down XXXX point is unfair. I feel XXXX is a wonderful hospital but their BILLING is unacceptable.
The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence.
I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX
I have a mortgage with Freedom mortgage and in XX/XX/XXXX I was trying to refinance my home mortgage with them it took about five months, I did not realize that my husband was on the loan because I have refinance my loan about four time already with out him but to make a long story short I get his permission to sign his name from the title company name title XXXX who received his affidavit on XX/XX/XXXX now it took them both company to XX/XX/XXXX to have the signing agent to come out for me to sign all the paperwork and this was on XX/XX/XXXX, the signing agent told me and give me paperwork stating that I do not have to pay for XX/XX/XXXX and XX/XX/XXXX rent I have two month free and in XX/XX/XXXX my rent would be XXXX dollars a months but on XX/XX/XXXX Freedom mortgage call me and told me that I did not sign my husband name correctly so it would have to been done all over again, I set it up again for the signing agent to come out a couple of days before XX/XX/XXXX but he call and say he did not get the paperwork so he cancel it, now my problem is that I found out that my husband affidavit that he sign only was for 90 days and it ending in or around XX/XX/XXXX and Freedom mortgage and Title XXXX commit fraud, they knew that what I was signing for my husband was out dated and they still let me sign, this was they plan all alone to let me sign then call me up to telling me it did not take.
In XX/XX/2016 I contacted ACS regarding incorrect credit reporting. I was advised it was corrected. I pulled my credit reports today from all bureaus and it is showing 120 days past due as of XX/XX/2016. My account was in deferment during that time.
in the past synchrony bank care credit was made to repair repeated wrongful credit reporting ... now they keep raising the balance on my closed account that i am paying off with no valid reason..they also refuse to delete my bank information
Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.
What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having?

Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXXXXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about?

XXXX, XXXX and Equifax Step 5 : Who are the people involved?

All the major credit bureaus of which I have filed a dispute with all three
To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment XX/XX/XXXX. Based on the Credit Card Act of XX/XX/XXXX, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. 
I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate and have been generally unhelpful in addressing my situation.
Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.
I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.
It is unacceptable that BoA sent this XXXX XXXX person a letter containing my personal business when I do not know this person, the first time I have even seen this letter was in BoA 's last response, and I have never given BoA any permission to send anything to anyone but myself. You contacted a third party without my permission and this is the final straw. I also want to add that BoA has said nothing of the XXXX XXXX case regarding filing a XXXX and expecting someone to pay them back after forcing them to file this as income overruling what the IRS says, and I would also like to point out that BoA will not release the recordings because they prove my point. Also, if there was no other account with my name on it then tell me why I have a statement from this account, and I also like how you only added statements up until I was married, again skating around the issue that I am right. My lawyer for the XXXX case was XXXX XXXX of the XXXX XXXX and not the XXXX guy.
Based on the above bullet points, I and this situation falls into 2,3rd and 4th bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a XXXX Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.
Please see attached fraudulent personal information that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit report.
I have submitted police report and file complaint several about the fraudulent items on my report. The following are not mine nor did I authorize. XXXX XXXX XXXX  XX/XX/18 XXXXXX/XX/18 XXXX XXXX XXXX XX/XX/18XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I opened an account with Motor Max Financial in XX/XX/XXXX and made all on time payments. The week of XX/XX/XXXX, I was quoted a payoff and mailed a check for the full amount of {$2600.00}. I spoke to XXXX at Motor Max and was let her know I was sending it certified and that it would make it there on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX signed for it on XX/XX/XXXX. Today, XX/XX/XXXX he had an agent call me and state that since he did n't receive it on XXXX at the close of business, I had to pay an additional {$120.00}. Motor Max financial was CLOSED on XX/XX/XXXX. I was also told that if I did n't pay the {$120.00}, the cashier 's check would be applied to future payments since Motor Max uses the rule of XXXX and does n't accept payments just for principal. I want Motor Max to refund my {$120.00}. XXXX XXXX is rude and uses deceptive business practices to squeeze more money out of consumers. Motor Max and XXXX are a horrible company for consumers. Despite paying more than {$2400.00} towards a {$3200.00} loan, they had only applied less than {$600.00} to the principal in a whole year. XXXX XXXX does not follow what his agent XXXX told me and refused to accept my payment without an additional {$120.00} - an amount that he made up to get more money for two days. I want my {$120.00} BACK!
I am continually being called, harassed, and threatened by XXXX XXXX   representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX. 
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.
A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America in XXXX of XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX XXXX saying they had the loan now. We disputed the validity of this debt. XXXX XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amount of {$620.00} which has significantly increased this debt. And now XXXX XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the XXXX XXXX XXXX XXXX Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX XXXX that foreclosed on homes and should not have.
I've been struggling to make payments for decades, exhausted all hardships and deferments and income-based calculation that Ed Financial comes up with are way too high. Last year I was making just over $ 20/hr and my payment was $ XXXX/mo, this year I'm at $ XXXX/hr and they are quoting me over $ 300/mo. This payment suck into the monthly reserves and forces me to abandon by 401k deferment entirely. I'm XXXX-years-old, married and the father of XXXX small children. Ed Financial has been less than helpful and in most cases rude and antagonistic on the phone. Seems like they have no solutions, only. bad news and keep saying " there is nothing we can do. '' My wife and I have considered leaving the US for XXXX, turning our back on the loan to start life anew. How sad it is that a man who has spent his entire life in the service of others ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX and finally XXXX XXXX ) has to actually consider leaving his country of birth with his family in order to escape the burden of this debt. The fact is that - in my lifetime - I will never be able to pay off this loan. My family can't take a vacation or even dream about home ownership because carrying this loan is like a mortgage unto itself. Doubtful that anyone other than another in my situation will care to read or champion for me and my family, but here it is just the same. 

Sincerely, XXXX