WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax continuously reports accounts on my credit report that are n't accurate. XXXX XXXX XXXX XXXX has sent over information stating that the account should be deleted. They have also contacted the CFPB stating that the accounts will be removed from my credit report but Equifax continues to report it when it turns affect my credit report. I 'm not sure why Equifax continues to do this with my credit file. The next step will be to file a law suit against Equifax seeing as though they dont follow through correctly with my credit report.
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX  XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account removed.
I received a notification on my credit report that a new debt has been added to my credit report in XXXX of 2017 from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. 
The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that i will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.
Nuisance security calls, blocked credit card accounts, and blocked security emails are problems I do not want from my credit card issuers. Citicard has failed in all of these areas. I do not want to waste my time answering questions about potential fraudulent {$10.00} charges. I do not want to have telephone conversations under intermittent holds and speaker phones. I do not want my credit card to be limited by potential fraud charges which Citicard will not identify to me. We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department. <P/>My emails under the Secure Message Center a safe convenient way to contact us about your account. Here you can send, receive and update messages securely to get answers about your account. NOT. My emails have now been blocked. ( See attachment ) My other card issuers do not present these problems. They do not use security as an excuse for poor performance and poor procedures.
I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.
This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount XXXX.
I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.
Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.
I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help
I have attempted to contact Mr. Cooper regarding the foreclosure on my property and have not have any success in obtaining assistance. I have informed them that I have the funds to reinstate the loan and they are not allowing me the time to do so. No one from Mr. Cooper has ever reached out to me to offer any assistance, to inform me of my late payments and to provide alternatives to foreclosure. I am now facing a foreclosure sale for tomorrow XX/XX/2018 and Mr. Cooper is refusing to do anything to help.
XXXX erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.
In 2015 I refinanced my home from XXXX on a 30 year 4.2 % ( {$980.00} apx payment ) to a loan to my bank at USAA on a 15 year ( 2.8 % ). The estimated payment to the re-financed loan was provided to me at {$1500.00}, and just three months into the re-financed loan I received an " Annual Escrow Account Disclosure Statement '' showing that the company failed to include {$6200.00} amounting to a change of payment from {$1500.00} to a new payment of {$2000.00} ( which is a very significant increase ). There were numerous additional problems in securing the loan that I reported to USAA 's executive resolutions department including it taking over 8 months to lock in a loan rate, identified by USAA to be numerous lost opportunities. This feels like a " bait and switch '' in which I would never have agreed to a {$2100.00} mortgage.
BANKS OF NORTH CAROLINA N  C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
I am trying to remove PMI from my conventional loan. I have contacted the Servicer and they said that it would cost XXXX dollars to have an appraisal done. This seemed excessive and sure enough, I read on thXXXX XXXX XXXX site ( F-1-02 : " Servicing Guide '' ) That " The borrower must be charged the cost of the BPO or appraisal based on the following table ... ''. This stipulates that the servicer " Must '' follow this table and only charge me {$150.00} to have my property 's value appraised.

Because of the exorbitant amount Cornerstone Home Lending ( CHL ) wanted to charge me I held off on the appraisal because I considered it a poor financial decision at the time. After I found this appraisal cost information I contacted CHL to clarify the cost so that I could have the appraisal done and the PMI removed. It took nearly 1 week to get a response at which point they said the following in an email : " Please be advised that your loan servicing will be transferring to your new servicer on XX/XX/XXXX. Due to your upcoming transfer, we may not be able to complete any further actions on your loan to pursue PMI removal. We apologize for the inconvenience ; however, you may request PMI removal with your new servicer after the transfer is complete. '' I inquired further trying to figure out more information about this sudden change. Why didn't I receive any information about this? Why am I receiving this information in the same email string about removing PMI instead of through an official notice? Why am I being told about this 1 week before it's slated to happen? I contacted CFPB to find out what my rights were as a homeowner and found out that at the very least my lender is required to give me notice 15 days before any changes happen, this never occurred ...

I would have removed my PMI inXX/XX/XXXX( saving me ~7 months of PMI payments )
Most recently : XX/XX/2013 Misinformation by phone caused me to be taken off the Graduated Extended Payment Plan of which I had 3 more years until full forgiveness and placed on an IBR plan with a payment that was more than double my previous payment. No disclosure of the increase payment or change of plan was provided for me to make a choice. Over a long series of letters, I find that I can not make the payment they require or obtain full time employment to meet the payment so I am being forced into default. I am nearing XXXX years old, have XXXX for 4 months. I have limited income that is not expected to improve, no savings, little equity. I do n't even go to a hair dresser or out to eat at a restaurant. I 've worked most of my life as a XXXX, have a current credit score of XXXX, but they will break every aspect of my ability to make purchases or even get healthy care loans for the rest of my life. I wo n't even be able to XXXX because the XXXX pay into the governmet retiremt systems, and they will garnish my gross amount of my social security check before taxes and medical premiums are deducted. I have tons of evidence of their lies and misrepresentations and would gladly share those with you.
I have been in contact, and have received a letter, from the office of the chairman with citizens bank. I have been told that since i have received a refund in the past, that i am not alligable for another. This is despite the evidence of foul play provided to XXXX XXXX, who manages these types of complaints with citizens. This bank has manipulated my account by ; failing to update transactions, altering the order of deposites, holding deposites, double foreign atm fees, random service charges, and not following their own policies regarding posting orders. I was contacte3d by XXXX XXXX, and before reviewing my proof, he made the statement that there would be no refund. He refuse3d to review the evidence provided through email which documented the banks illegal activities to obtain their fees.
The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.
Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at Equifax, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days.
In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private.
I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
XX/XX/XXXX, I submitted a letter to CitiMortgage asking them for any and all transactions from XXXX to now. CitiMortage sent me info on the monies received .When I had asked for any and all transactions.In XX/XX/XXXX there was a letter sent again. There response was the information requested is substantially the same as information previously requested. They refuse to give me access to the information I as for.
Creditor Name : XXXX XXXX Account number : # XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX and Transunion. Transunion and XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
Twelve months ago, a representative of Bank of America informed me that I owed {$660.00} on my credit card with the {$500.00} limit. 

At her recommendation, I allowed her to post-date twelve {$60.00} checks to be withdrawn on the fourth Wednesday of every month which is when my Social Security check was direct-deposited. 

I thought all checks had been cleared but learned in a telephone communique today, XX/XX/2018, with XXXX XXXX of Bank of America, that the last check had been returned. 

However, I still paid a total of {$660.00} on a {$660.00} bill. But, according to XXXX XXXX, I still owe them {$200.00}, which they promptly reported to all three credit bureaus. Apparently, they continued to assess late fees even though I was paying regularly. 

This is ludicrous. I did not try to avoid paying this bill. I have never avoided my financial responsibilities. And now, at XXXX, when I am barely surviving on Social Security, Bank of America is trying to get blood from a turnip. Unfortunately, the poor, elderly and disenfranchised are easy targets and today 's financial institutions have no scruples. 

Please help.
On XX/XX/18, an item for {$1000.00} was ordered with my Chase credit card. The company was located in the XXXX, called XXXX XXXX, a seller of fine watches. On XX/XX/18, unaware of the charge on XX/XX/18, my husband signed for a package, not unusual as we have packages arrive many times a week. 



When I arrived home, knowing that I had not ordered anything, I called the number on the return address ( XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, ( XXXX ) XXXX ). 

The company being a computer company, confirmed that they had not sent anything to my address, with the tracking number. They suspect that their XXXX account was compromised. I called XXXX and they couldnt tell where the item was really shipped from and couldnt help me. 

I checked my bank statement and saw the charge on my Chase card. I immediately called them and they started a fraud investigation and reissued me a new card. They re-billed a few weeks later stating that because I benefited from the charge ( having the watch in my possession ) that they could not help me. 

This is a clear violation of Reg Z, as I did not give authority to use my credit card to anyone and I am certainly not benefiting from a watch that is in a box. I will be more than happy to send it Chase for their own benefit. 

If this issue can not be directly resolved with Chase, then I will have no choice but to reach out the Attorney General and the news outlets as I am experiencing unjustified consumer Injury. As Chase is looking to expand their banking presence in the XXXX XXXX area, I find it even more important to let people now that Chase can not be trusted to protect customers identity or banking credentials. This type of unethical conduct should be shared.