WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.
I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!
Took a a parent plus loan for my daughter back in XX/XX/XXXX and I was given the option WHILE she 's in school to have it deferred, she was in school for XXXX years and little did I know having this deferred that the interest charges were being added to my loan. I had like XXXX or XXXX loans out of the XXXX years. XXXX then told me consolidate all the loans into on which I did and all the interest were also added on to the consolidation. The loan kept growing as I did n't know why, back in XX/XX/XXXX I was told I had to consolidate it again from XXXX to the new loan company Navient, there was more interest added on to my loans to where it is now at XXXX my payments were extremeley high and I kept calling them and letting them know I could not afford these high payments and also asked them if they can lower the interest rate, I 'm thinking maybe my payments will be lower if they lower the interest rate of XXXX %. again I was told NO they ca n't. I have pleaeded on the phone with them and made them aware I ca n't pay so much. No one would listen. Last year I was talking to someone in customer service and they suggested I file for the income-driven repayment plan, which at the time sounded good, little did I know I was going in further to the hole, the hole I can not get out of, anywasy the dropped my payment to {$610.00} and to find out they were tacking on {$1100.00} a month on interest that is why my loan balance now is SO HIGH. I wish I would have been educated on how these loans actually work, had I known that putting your loan on defferement was going to hurt me and my credit I would have never done this, I would have made payments from the very start, and also when I had to do the consolidation they offer that I put my loan on hold for XXXX days while making arrangements will all the documents and such well yes more interest, this is so wrong. I need help, I do n't know what to do anymore. I am giving my money away to this company Navient and my balance is growing, I was also told that at XXXX years of making these payments my loan was going to be forgiven. Does this make sense? Forgiveness? My duaghter went to XXXX schools the first XXXX being XXXX, XXXX, CA and the XXXX XXXX. 
XXXX
Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007.
Said I could n't cash out due to insuficant funds then my bank charged me over draft fees shortly after on XXXX XXXX, 2017
I AM XXXX XXXX AND ABSOLUTELY XXXX XXXX XXXX WHEN OVERSEAS OR WHEN HEADSETS OR WHEN AN INTERNET OR IP MULTI LINE SYSTEM IS USED. I AM FORCED TO YELL. 

RECENTLY, MY CREDIT CARD HAS BEEN CLOSED AND I KNOW FOR A FACT THAT IT IS DUE TO MY XXXX, YET CITI CARD TELLS ME THAT THEY ARE ALLOWED TO CLOSE MY CARD AT ANY TIME AND THAT IT IS ALLOWED AND THY DO NOT HAVE TO GIVE ME A REASON AND NOW BECAUSE I AM XXXX   AND XXXX XXXX XXXX I MUST PUT ALL IN WRITING. 

THEY HAVE TOTALLY DISCRIMINATED AGAINST ME TO THE EXTREEME AS MEDICALLY THIS SHOULD NEVER BE DONE AND CITI CARD HAS BEEN TOLD THEM AND HAS RECEIVED LETTERS FROM MY DOCTORS SAYING THIS ALSO. 

TO CLOSE MY ACCOUNT DUE TO BEING XXXX XXXXXXXX AND NOT WILLING TO ACCOMODATE A XXXX PERSON IS SICK. THAT IS EXACTLY WHAT THEY HAVE DONE TO ME AND HOURS JUST TO GET A PERSON WHO I CAN XXXX AND MORE. 

I AM TOLD OVER AND OVER THAT THAT NO ONE HAS HAND HELD PHONES EXCEPT SUPERVISORS. SEVERAL SUPERVISORS HAVE ALSO REFUSED TO MAKE SURE I CAN XXXX. 

YES, MY CARD WAS CLOSED DUE TO MY XXXX AND I DO KNOW THAT IS TRUE. 

I PAY FAR AHEAD, AND AM ALWAYS ON TIME ALSO, SO IT IS MY XXXX   THAT UPSETS THEM AND NOW THEY THINK THEY HAVE A RIGHT TO CLOSE MY CARD DUE TO NOT WILLING TO ACCOMODATE XXXX XXXX.
We contacted our current lender ( Nationstar Mortgage ) about refinancing our home to a lower interest rate and was denied several times. Our current interest rate is 5.5/8. We have been with them for over 8 years ; never been late or missed a payment. Our credit scores are in the XXXX. We was asking for a 15 or 20 year loan. They sent us 40 year 4.5 interest rate which we turn down.
XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.
I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..
The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
calls constantly leaving voicemails about concerns with my address. they have my address yet send me no communication through mail, I am on the do not call reg but they wont stop
portfolio recovery bought XXXX charged off XXXX credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from portfolio recovery that I signed nor, any correspondence from them regarding these XXXX old XXXX credit cards.
I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.
My name is XXXX XXXX. Bank of America is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Bank of America accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.
Someone opened a unauthorized car policy in my name when my wallet was stolen I also noticed that they have been using my bank account as the funding source I did n't notice at first until my account balance was extremely low I then carefully reviewed all myTransactions an found XXXX transaction for the general car insurance company. I called citizensBank immediately an reported the transactions as fraud then I was advised to contact the general insurance company an report the account as fraud soI did and both companies are doing a investigation. I want my money back because this was unauthorized an this is ridiculous I 'm so XXXX!
Recieveing payments I believe someone got my information I get XXXX SSI and I have part-time job I believe someone got my information but not even that they have my email information
CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.
I sent a dispute to TransUnion stating XXXX XXXX re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from TransUnion stating that XXXX XXXX has verified the information to be accurate. This is a problem on two fronts. XXXX XXXX has re-aged the account, and TransUnion hasn't actually made an investigation themselves. TransUnion sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. TransUnion is not reading their own document.
We moved from XXXX California to XXXX California. Prior to the move I attempted to switch our phone service to XXXX. I was unable to perform the service online and was told I needed to appear in person with identification. 

I appeared as directed at the XXXX store in XXXX, CA. The Application number is XXXX. In person, I showed my drivers license, provided my SSN, and also showed my US passport as a second form of identification to the XXXX person. I was then handed a cell phone to talk to a third party on a phone and directed to answer a series of questions from the agent on the phone. This agent did not identify themselves. I was asked three questions. Two questions were not applicable to me, the third was applicable. I answered the questions - but the agent indicated that my identity could not be established. 

Searching online indicates that the 3rd party on the phone was a representative of Equifax, which XXXX uses to verify credit. 

I should note that our credit score is good, as verified most recently by the agent through which we rented an apartment in XXXX CA, and that I was bringing my own compatible cell phone to XXXX. ( Aside from service, I did not require the lease of a XXXX compatible phone - so I was not asking for credit other than the ability to pay with my XXXX XXXX card. ) I finally received two letters from XXXX, indicating why I was denied service - " Identity could not be established ''. 

Today ( XX/XX/18 ) I checked my credit report with Equifax. All payment, mortgage, and card information appears to be correct. 

However, my previous addresses where I have lived are not correct. Our previous address in XXXX is listed as the current address and our now current address in XXXX is listed as our previous address. In addition, my credit report shows a previous living address of XXXX XXXX XXXX XXXX in XXXX CA. This is not an address where I lived, but an address where I worked as XXXX XXXX XXXX is the location of XXXX XXXX XXXX where I worked as an adjunct professor at night in addition to my day job at XXXX XXXX XXXX XXXX as a XXXX. 

I attempted to correct this information using the online submission dispute form at the Equifax website. To verify my identity I was asked a series of 4 questions. No questions were relevent so I answered " None of the Above ''. The answers to these questions were verified with the credit report that I just received and downloaded. 

I have attached a screen shot of the Equifax questions as proof of this nonsense. 

( I have also attached the previous 4 identification confirmation questions ( 2 screenshots ) that allowed me to access my credit report in the first place. 

The online information correction service of Equifax blocked me from submitting my corrected address information as, again, I was informed that my identity could not be confirmed. 

This " identify confirmation '' using these randomly generated questions appears to be problematic. The issue appears to be with Equifax.
In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you
XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. 
During confirmation, the lender, XXXX, was holding a junior lien on my residence. 
Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. 
Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. 
Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. 
I am being calling the lender, many times, on the last 7 days, trying to work the issue out. 
They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. 
I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. 
I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. 
I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. 
Please help me to find a way out of this involuntary trap. 
Thanks,
I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported
EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.