WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Equifax by phone on XXXX/XXXX/XXXX to request removal of a XXXX state tax lien filed in XXXX. At the time the lien was filed, I was living XXXX and was not in receipt of any notices of an impending tax lien from the XXXX XXXX XXXX XXXX. Upon my return to living XXXX XX/XX/XXXX I immediately contacted the XXXX and set up a payment plan which I completed in early XXXX ; the XXXX subsequently released the lien in XXXX XXXX. However, Equifax informed me on the phone call that they would not remove the record in their databases until 10 years after the filing, or seven years after the lien was released. When I inquired the reason, the agent informed me that it was because of state and Federal law that they were required to maintain the record. Unlike the XXXX Fresh Start program, and states such as XXXX where I currently reside, the state of XXXX has no mechanism for withdrawal of tax liens. ( XXXX legislation introduced several years ago to mirror the XXXX withdrawal legislation, SB XXXX, was not passed. ) I find this quite unfair, as it can burden many taxpayers like myself who have made the effort to satisfy their tax debts completely. As the XXXX noted upon initiating the Fresh Start program, " the goal is to help individuals and small businesses meet their tax obligations, without adding unnecessary burden to taxpayers. '' XXXX said, " These steps are good for people facing tough times, and they reflect a responsible approach for the tax system. '' Last month, encouraged by the Fresh Start program, I paid off an XXXX debt of {$33000.00}, in full. What can be done to get XXXX and the credit reporting agencies, to see things through the same lens? And, more to the point, why is it that the credit reporting agencies are claiming to be governed by different state and Federal rules.
I took out a loan with CitiFinancial XXXX 2001 for {$25000.00} for home repairs. 
I only borrowed {$25000.00} and was supposed to pay back {$5500.00}. Somewhere in the making of this loan. {$30000.00} was tacked on to my loan of which is not mine. I have called CitiFinancial for years and sent letters etc. Trying to find out what happened. 
I can not get anywhere with them. I have already paid over {$100000.00} back to them for a loan of only {$25000.00}. I need to know if somewhere some how you can investigate ths loan. I was scammed. I make monthly payments still. I am always behind due to having to rent a place to live because that property is in need of more repairs. 
The property is only valued at {$40000.00}. I have done everything humanly possible to find out why and what happened. I feel like they need to close this loan and investigate. 
I borrowed {$25000.00} in 2001. 
I am still paying monthly payments. 
I have paid back over {$100000.00} on a property valued at {$40000.00}
EXPERIAN COMPLAINT : Complaint regarding dispute sent to Experian regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Experian reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Experian was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Experian never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 

Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Experian reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Experian Credit Report Experian Response to Letter # 1.
Today I tried to resolve and issue regarding a offer under the Amex blue card. At 1st they denied the claim due to not selecting the offer. No help, just you are denied and no reason other then telling me that the offer was never dated. I selected the offer saved the offer in the app. I had to request a supervisor and eventually the supervisor advised that outlet stores are not included in this deal. The small print of the outlet store is not clearly identified and is miss leading in the disclaimer. This should be clearly identified and its not. I purchased the items at the XXXX XXXX  XXXX   with the intent that I would receive this discount via the Amex blue card. I would have never purchased if the card wasnt going to reduce the bill by XXXX.
I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.
I 'm dealing with fault out from the Equifax breach. I 'm doing the steps suggested to protect my finances and identity. One of those steps suggests that you freeze your credit reports. Seeing as Equifax is the sole reason I am freezing my reports, they should be held responsible for those fees. Especially considering in order to pay for a freeze, I would have to give them a credit card number which they have n't proven to be responsible with.
I also do not want to sign up for their credit monitoring service ( specifically for the breach ) because there have been reports that that is not actually free and you sign away your rights to legal suits down the road.
I
We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. 

We want to be able to rent this property. We made that clear during the lending process. 

This compliant is being made against BMO Harris Bank. Our mortgage broker was XXXX XXXX.
A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.
I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.
First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched
I filed Chapter XXXX bankruptcy against the company but the company refuses to update the credit bureaus to show '' Included in Bankruptcy " after several attempts at completing disputes.
I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any more
When I took them out, my loans were originally held and serviced by XXXX. My loans went to XXXX because I had expressed an interest in the Public Service Loan Forgiveness ( PSLF ) program from the very beginning. I graduated in XX/XX/XXXXand began making payments in XX/XX/XXXX with my XXXX stipend. On XX/XX/XXXX I submitted paperwork to XXXX to verify that I was meeting the requirements for the PSLF program. XXXX verified the paperwork and walked me through the consolidation process, which I completed through XXXX. While I was made aware that the consolidation was a necessary component of the PSLF program, I was not made aware that any payments prior to consolidation would not be counted toward the 120 payments required for loan forgiveness. In XX/XX/XXXX, I submitted employment verification again and was informed by XXXX that XXXX was the new servicing agency for PSLF participants and on XX/XX/XXXX, my loans were transferred to XXXX. I started a new job in XX/XX/XXXX and when I submitted the employment verification to XXXX, I was informed that my loans were not consolidated and would have to be consolidated before any payments could be made that would count toward the PSLF program. 
My complaint is this : I have met all of the requirements to qualify for the PSLF program and have been making payments for seven years. I was given misleading information at several points throughout this process- I have consistently identified my interest in participating in the PSLF program. I have completed each requirement as it was described to me. Further, I have already consolidated my loans at least once. I believe that I am being treated unfairly and taken advantage of and further that XXXX and/or XXXX are committing fraudulent acts in order to disqualify my previous payments and lessen the total amount of the loan which will qualify for forgiveness.
I was shocked and alarmed when I received my credit report. 

Creditor : WELLS FARGO MORTGAGE ACCOUNT # XXXX I was never late 30,60,90 days on the date (XX/XX/XXXX) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
I had a collection debt with SpeedyCash that was being reported on my credit report by a collection agency named XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, XXXX XXXX is still reporting that I owe {$480.00} to Speedy Cash, even though I settled this debt two months ago.
on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.
Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX.
This was a duplicate account which was an error in reporting. I contacted the company and they verified it was an error. But they have yet to do anything about it. Every time I call them they keep putting me on hold for long periods of time and then hanging up on me. They hung up me XXXX times just today.
XXXX Equifax, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was a victim of Hurrican Irma in XX/XX/XXXX..I called Chase and they advised that they had a defferred payment plan for customers affected by the Hurricane Irma I enrolled both my Chase credit cards in the program. I was told i would be mailed out written verfication of the program and the specifics and payment due dates. I never received and confirmation of the plan terms or new due dates of payment. 
I believed i was enrolled into the Irma defferred relief program until XX/XX/ i believed. Around XX/XX/XXXX I called up to make payments and they said my account was closed and they would not open even if i made payments that i was charged late fees and that they had reported me to the credit bureau for being over 90 days late.They said that the program was for 30 days not 90 like that i was lead to believe. Further i never got any communication that i was in the deferred program or the dates the program began or ended or when the payments were due.I reuested the program because i was without income for 45 days. Now i have been slammed by Hurrican Irma again by Chase Bank. I told Chase i would make payments and bring my account current but they still would not reopen my account. Chase is more interested in destroying my credit than helping to resolve the matter.. I request numerous times to have a call back from management to help resolve the situation but never received a call back from anyone in Chase authorized to correct the situation. 
ironically i have two credit cards with Chase i called Chase on the other credit card and was allowed to make payments and my account was reopened. Why the double standard. 
Chase should of sent me notice of when the program began and when it ended and when my payment was due. i never received any written communication and i was advised by chase when i enterred program that i would receive confirmation. i thought and believed that my payment was deferred until XX/XX/XXXX as i requested.
I made a purchase on XXXX XXXX on XXXX and the total payment {$90.00} consists 1 ) {$82.00} from citibank MCARD XXXX, 2 ) XXXX XXXX {$7.00}. This is a purchase but the transaction was categorized as " Cash Advance '' and I was charged {$10.00} cash advance fee and {$1.00} interest. 
I contacted Citibank may times and Citibank said XXXX sent wrong transaction category. I contacted XXXX many times and XXXX said they sent correct transaction category. They asked me to talk to the other party but do not take action to correct the issue.
My XXXX XXXX  XXXX with XXXX XXXX XXXX was transferred to Capital One with no clear notice it was changing banks. The letter indicated new account could be set up after XX/XX/XXXX however I didnt receive new card until XXXX & could not access online system at all because they entered my Birthday wrong. Payment in new system was due on XXXX but I never received card or bill to pay from for new account. Bank charges fee & told me even once Birthday corrected couldnt access online for 72 hours. I am one of many transferred & they only allowed 7 days from the time new system was active until payment due. If any errors in transfer this delayed set up additional 3 days & you must set up payment 2 days ahead of time so they did this in a way that guaranteed fees to most customers in the conversion. The bill due in XXXX was from XXXX XXXX XXXX not Capital One so how would you know the payment should be sent to Capital One. Statement even had old account numbers not new ones.
On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.
RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. 
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. 

Thanks
In XX/XX/XXXX, I pre-qualified for a VA Loan for {$140000.00}. I found a house in XX/XX/XXXX, was under contract. I made an earnest deposit for {$1000.00}, and paid {$450.00}, for an inspection, and then another {$450.00} for the VA appraisal, passed inspection with a minor issue, which the seller resolved immediately. I received a list from the loan processor, about what needed to be done, in order to close on the home. The issue that came up was that I needed {$4500.00} in closing cost. The loan processor told me that it would okay to apply for a personal loan to cover the cost. I was approved at a different bank, and I forwarded him the loan papers, and the bank statement showing that the funds are in a bank account. He called me the next day and told me that the credit review team wasn't going to grant me the VA loan, because of the personal loan, in which he advised me that it wouldn't be a problem. He offered me, a different loan called military choice, I agreed to avoid losing the home. Then he called me on XXXX XXXX, and advised that I was not getting a mortgage at all. I have been with my employer for 2 and 1/2 years. I work year round and showed proof that I will be receiving a raise in XX/XX/XXXX.
I filed a dispute on XXXX XXXX, 2016. I have not had a response to the dispute. I called customer service and requested to speak with manager after not getting the information I was requesting from representative and representative would not transfer me after multiple request.
I sent multiple request for validation and they do not respond. Last letter was sent on XX/XX/2018 certified mail