WillisBack/dataset-financial-user-claim huggingface dataset:
I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!
On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.
i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. 
and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me
THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED
To Whom It May Concern : On XX/XX/XXXX I was pre-approved for a mortgage of {$200000.00}. I told the loan office my wife would be moving from XXXX to XXXX, XXXX before me as I was searching for employment. My wife already had a job in XXXX. It was never mentioned that I must show proof of income in XXXX. The loan process continued and I sent in XXXX 's, tax returns, ect. as instructed. I then paid {$550.00} for an appraisal that occurred on XX/XX/XXXX at XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX and was told they needed my proof of income in XXXX. I stated, again, I would be living in XXXX, rent free, while I continued to look for employment. I went back and forth with the bank and eventually the VP of underwriting said my financing would not be approved. The financing was denied even before the appraisal results had come back. I requested a refund for the appraisal and home inspection ( {$300.00} ). I was told the inspection would not be refunded because it is required and the appraisal refund would be requested. I was told my appraisal would not be refunded because the bank did nothing wrong. I disagree with this decision and I believe the bank was deceptive by allowing me to pay for a service when they had no intention of financing this loan. I also believe they acted unfairly by never making sure I 100 % understood that financing while living in XXXX was off the table. I ca n't believe they would have the audacity to pre-approve me, take {$550.00} from me and then approximately two weeks before the scheduled close date inform me they will not move forward with the loan. I would like XXXX XXXX to refund my appraisal in the amount of {$550.00}. Thank you, XXXX XXXX
I called, I believe XXXX XXXX to report a lost card. When the agent answered after almost 1 hour waiting, I gave her the card number XXXX XXXX XXXX XXXX my XXXX card. What happened the next day is unbelievable. My Citi Thank You card was the XXXX cancelled. I tried calling, but 60 minute waits for customer service are unreal. One time someone answered and I said wait, she hung up! Today I just got my Thank You card ... But where 's my XXXX card?? In LaLa land I suppose. About 10 days ago I sent a message to Citi which nobody answered to date. Is that customer service? I 've been with Citi since 1999, I believe ... What a way to run an airline!!! Oops a bank ... XXXX A. XXXX ( XXXX XXXX XXXX email : XXXXXXXXXXXX ... as you can see I 'm still an optimist thanks to XXXX, not Citi.
Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.
I submitted a claim to claims department due to a charge of $XXXX being charged to my account that wasn’t authorized by me. The merchant refunded the money back after claims department did temporary credit as well as an over draft free of $XXXX. A month later even with the merchant refunded the money Bank of America took the money back even tho the money from the merchant was never added back into my account. So now they have not given me $XXXX and the $XXXX that was supposed to be taken out of my account. They never sent me any paperwork so when they took it back i went to back and finish paperwork for the claim to get the money back and no one is giving any answers.
XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.
Fed Loan com plain with consumer finance.gov aka CFPB I was given inaccurate information regardin g Income Based Repa yment options.   I had previously been informed thro ugh FedLoans webs ite that tax return information was needed to re-certify my repayment plan.     A representative later told me, that was n't true. I could have provided income stubs at the end of  XXXX , months ago, in order to have my issue resolved by now.     Now my affordable, income-based re-payment plan has expired. It will take months for the plan to be re-instated and interest due will be capitalized as a result.     I could have avoided this situation had I been given the proper information at the end of the year. The information could have been included with a mont  hly FedLoan billing statement.
The misinformation will cost me money. In the Information Age, I   do n't understand why it takes months to verify my adjusted taxable income. There has been no meaningful change compared to the  XXXX  Tax Year.
Suttell, Hammer XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with XXXX XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called XXXX years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to XXXX they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.
All my attempts to correct my billing address with XXXX XXXX XXXX failed. as a result a bill for {$47.00} was lost or sent to the incorrect address. XXXX XXXX XXXX is my utility company and i have 3 accounts with them for the last 20 years. a simple search by them to get in touch with me is all what was needed. they turn it to a collection agency XXXX XXXX. and they put it on my credit report. when i found out i immediately paid it but the two company 's refused to take it off my credit report.
Since XX/XX/XXXX the borrowers XXXX and XXXX XXXX have made SEVERAL attempts to resolve the XXXX lien dilemma with Specialized Loan Servicing. The problem begin when the homeowners sought to refinance prior to the maturity of the XXXX lien. The request was denied due to the " lack of equity '' found by the mortgage company - XXXX XXXX. Immediately contact was made with SLS to advise of the challenge prior to maturity. SLS stated the borrowers had to complete a hardship package and submitt via fax or email. The package was sent to borrowers and promptly completed in XX/XX/XXXX. The borrowers stated in supporting documents that they needed to settle the debt which they were told the file was under review for this option. However on at least 4 different occassions since this request was opened the borrowers have received loan modification packages which grossly exceed the borrowers affordability. The payment prior to the end of the maturity was under {$200.00} per month however since numerous requested for settlement, SLS releases calling for monthly payments that begin initially with {$600.00} to now over {$700.00} per month for the next 5 years. NO financial information has ever been submitted, because it is non-existent, that supports they can pay this! .Each and every time the various representatives - XXXX, XXXX , XXXX , XXXX and lastly XXXX , converse with me the do n't have the ability to comprehend what the request is of the borrowers and always ask for the Foreclosure prevention Change of Intent form. This form has been sent no less than 7 times! The borrowers have stated they would like to keep their property, submitted the settlement offer and proof of funds available to pay the settlement but this has been to no avail. I am told that the file is with the underwriter and most recently, I was told that there is equity in the home although I submitted a certified copy of the lenders appraisal which denied the refinance to include the SLS XXXX lien because of value.
In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is XXXX XXXX
AFNI, Inc. holds a debt in my name which I am not aware of. I wrote them a letter XX/XX/2016, in which they refuse to reply.
On XXXX XXXX, Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but he was not able to resolve the issue to my satisfaction. 

I have included a screenshot of the removal of my inquiries. I do not have a record of when they were re-added, but an examination of my credit report will show that they are again present.
To whom it may concern ; It was recommended that I file a complaint with the CFPB after filing a similar complaint with State of Minnesota - Office of Attorney general. 

My complaint is as follows : - I am reacting to an eviction notice that was taped to my front door on XX/XX/XXXX ( ... ..I am told this was the tail end of the loan foreclosure redemption period ; leaving me only a couple hours to address officially ... ) It was in my meeting with a lawyer the next day that revealed all this was indeed pertaining to a 2nd loan ( the 20 % of an 80/20 loan ) from Countrywide. 
XX/XX/XXXX - XX/XX/XXXX : -Bank of America took over the loans when Countrywide folded. The recession hit, and I applied for Loan Modification. While going through Loan Modification ( MHA ) in XX/XX/XXXX, I was instructed to stop paying both loans, given trial payments, and eventually signed paperwork for a single loan which remains current to this day, not having missed a single payment. 
The 2nd loan was apparently left in the wind, going unreported to credit bureaus, allowing me to apply for and receive credit cards ; and more recently ( XX/XX/XXXX ) - to purchase a brand-new car on a loan with my credit @ 750+ and no mention of a foreclosure. It has apparently changed hands several times until an investor purchased the loan, and started foreclosure in XX/XX/XXXX the redemption (? ) period has also been allowed to run out all unbeknownst to me. 

Being in good standing on my current loan over the years since I went through Loan Modification ( MHA ), I have resisted all attempts by anyone attempting to give me information ( papers, etc.. ), or try to convince me that there was a foreclosure directed at my property, because there has been no indication from Bank of America they have been taking my payments for 8 years since the loan ( s ) were addressed in the XX/XX/XXXX modification. The people who turned up at my door ( I think there were 2 occasions ... .. between XXXX and XXXX at night ) were unable to convince me that my home was in foreclosure ; more importantly they absolutely did not articulate that this had to do with the old 20 % 2nd mortgage. 

The company that now holds the title to the property is " XXXX XXXX XXXX XXXX '' - I was advised by MN Attorney General 's office to file this matter with OCC ; I have given MN AG authorization to contact Bank of America, and we are waiting to hear back from them. 

The Eviction proceeding, from a company called XXXX XXXX XXXX XXXX ( apparently a single individual who lives in California, and has no license to service loans in Minnesota ) was put into continuance until XX/XX/XXXX. XXXX hold the title to the property through a foreclosure that took place without my consent or formal knowledge. 

-please send along any applicable recommendations - I am not aware of my rights in this entire situation. 

-thanks for your attention to this matter.. 

-all the best, XXXX XXXX XXXX XXXX , MN XXXX
I have an item on my credit report from an unidentified collection agency. When attempting to dispute the incorrect information, the lender has no record of balance being owed. The information on my credit report does not identify the agency that placed the collection item on my report and Equifax is not providing information. As such, I would like the information removed completely.
I have disputed the late payments on XXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix  this ASAP please Im looking to purchase a car for XXXX
Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.
Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
I had a Capital One payment due which I submitted an on time payment for, it posted on time on XX/XX/XXXX for {$30.00}. 

I am visually impaired and did not notice the minimum due was {$34.00} so I was charged a late fee on XX/XX/XXXX. 

I contacted capital one and they see Ive never been late and messed up once because I have a hard time seeing and they refused to refund me.
I do not, and am not disputing ownership of the Trade line contained in this. 

XXXX XXXX Account account is reporting inaccurately, and incompletely. Please update its data to report correctly - or DELETE the account. 

This Collection account is reporting as if they are Credit Grantors, when in fact they are not. And as such, They are expected to be reported in the ( XXXX and XXXX ) segment allowed for such reporting, Collections. Please see page XXXX - of the attached sample Equifax credit report., from equifaxes ' own site. 

This collection account, and all others showing on my files- allows this debt collector to report this activity as if - I have/had an " OPEN '' type ( reserved for XXXX, utility companies ) - where a contract for services exists and that such contract allows for payment when billed. They as debt collectors - can not report in this manner. 
FCRA - 623, is the section in which this complaint, is being filed 1. Because of the way in which this is reporting, and ORIGINAL CREDITOR must exist, and does NOT 2. This account is showing as an " INSTALLMENT '' Type of credit line, when they can not as Debt Collectors 3. Is inaccurate - as even as it resides in this segment of my report - lacks its true Pay Status, as they can only have " PAID Collection '' or " Unpaid Collection '', or check, of which this account is not. This instead has " In Collection '' when this value is dedicated to Credit Grantors only. 
4. Stores a date of First Major delinquency, which the Debt Collection CAN NOT own or report after it bought or was assigned this account. This - is owned by the Original Creditor - and is wholly inaccurate 5. Has a High Credit - which is wholly inaccurate, there is no HIGH Credit with a Debt Collector, only - the Original Creditor 6. Even existing on this record in its current state - the record is wholly incomplete A credit Grantor must supply the Creditor classification, this is blank c. The Balance History would then be mandated, and this is blank 7. This is a paid collection, and there is neither a concise closer status nor a date. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal.
AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.