WillisBack/dataset-financial-user-claim huggingface dataset:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
This is still an ongoing issue from my last complaint with Card.com ( complaint # XXXX ). For other consumers reading this, you will see that when I file these disputes against these companies, I can't make this stuff up or lie!! The previous amount that was stolen was refunded back to my account. Card.com I want to thank you for admitting that you guys made a mistake, and worked to get my {$51.00} that was stolen, back into my account. However, I AM HAVING THE SAME ISSUE ONCE AGAIN. I still have 2 fraudulent charges still on my account, that have been in pending status for 30+ days. The fact that a pending charge is taking 30 days to post, should be a red flag for any bank to say this is a fraudulent charge. I spoke with an agent today ( XX/XX/18 ) at Card.com, and he stated that I would have to contact the two merchants to get them to release the charges. I have spoken to both companies .... XXXX XXXX ( Branch ) in XXXX PA for {$22.00} and XXXX XXXX XXXX XXXX in XXXX WA for {$29.00}. XXXX XXXX  said I need to contact my bank, and I have left messages to XXXX XXXX XXXX XXXX, who has not returned any of my phone calls. A few weeks ago I contacted Card.com and asked them when would I be able to dispute the pending transactions, and a female agent told me I would have to wait a total of 30 days before I can dispute. So again, I am being told two different things by their customer service. I can dispute after 30 days while in pending status, or I have to contact the merchants directly to get them to release the funds. I have tried both, and I still don't have my funds back into my account. 

Also, luckily I took screen shots last month of the fraudulent charges showing on my online statement. Because as of today, they are miraculously missing from my current online statement. ( ( ( ( ( ( I AM ATTACHING 2 STATEMENTS SHOWING THEM THERE AND THEM MISSING CURRENTLY ) ) ) ) ) If I didn't have the proof from last time, I may be out of luck disputing them. 

I don't understand how a bank that knows clearly that a transaction is a fraudulent charge, would not fight for their customer to reach out to the merchant and reverse the charges. Pending charges for 30+ days!!!! And that's not a red flag?
I recently opened up a Chase account approximately 2 weeks ago in New York. I have been having issues with Citibank for years now and I decided to make the switch. I really liked Chase and the accessibility they had all over the world. However, to my dismay, I received a letter in the mail today stating after careful consideration, we have determined that we can no longer support your banking account ( s ) and will be closing it on XX/XX/2018. Im not sure what happened. When they first open a bank account, they go through XXXX XXXX and they check your credit, etc. All of that was clear and my credit was 780+. Im XXXX XXXX in the military and this is going to be my primary bank account and has been routed through my military profile already. Im not sure what I may have done or why they are closing this account but I really need this account as I closed down my other one already. Its really not fair as I have great credit and a high security clearance in the military plus I was in the process putting tens of thousands in the bank. I have an auto loan with Chase whom Ive paid on time perfectly for nearly 4 years now. Honestly, what is going on? I went into my branch today and Chase refuses to release any information to them and the people on their phone lines at XXXX are so rude and disrespectful. They said sorry, you can never open an account with Chase again. If that is true, and if that is how Chase Americas primarily bank decides to treat XXXX XXXX military, then Im going to file a lawsuit in small claims court. Because its a blind-eye discriminatory policy which theyre not disclosing and it severely impacts peoples finances and family health. I serve this country, and now I have to fight to keep money safe into a bank account? Are you serious? Please fix this Chase.
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX , Experian and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
Citi contacted my husband about a credit card account that he is not on nor is an authorized user. They proceeded to try to get him to make a payment on the account. They told him how far behind and how much is owed on the card
Reason : Company broke arbitration clause in the contract and sold vehicle without proper notification. Company placed charge off on credit report before vehicle sale was complete.
I paid for repair services from XXXXXXXX XXXX and 4 items were supposed to be DISPUTED from very beginning. I was given information that the collector has 60 days to respond then when I spoke to XXXX was told its 30 days. I stayed with company for more than 60 days with no response from any of these creditors. The accounts are 2 XXXX XXXX XXXX, 1 XXXX XXXX, 1 XXXX XXXX/XXXX XXXX. The 2 XXXX are a hospital and I've always had covered by access and should have never been billed. The other two were secured credit cards paid in full already with the deposit. I called and canceled the repair service because all the items disputed and recieved no response were not removed. I then called the creditors and they just reopened the accounts. I had to dispute directly with the debt collectors myself when that's the job of the repair unless they did not receive a response then they wouldn't need to. The debt collectors disagreed the reasons to take it off so the accounts stayed. The 4 are still  showing up and I need them removed to have nothing negative on my credit.
My mortgage was tranferred to a different servicer around  XXXX   2017 . A mysterious {$100.00} fee appeared on my statement. I contacted the servicer and they claimed it came from the prior servicer and they would fix it. I contacted the servicer again, after the same mysterious fee appeared on the next statement. It 's  XXXX . The fee was on my  XXXX  statement. So, I contacted the new servicer again. They told the same tell about the fee coming from the prior servicer only this time they claimed that I had never contacted them before. This servicer is trying to collect {$100.00} dollar appraisal fee and I 've never been late paying my mortgage. Its a swindel.
On XX/XX/XXXX I file a complaint against XXXX XXXX XXXX with the XXXX  in regards to having no knowledge of an alleged debt in the amount of {$59.00} that XXXX XXXX XXXX IS INCORRECTLY REPORTING AGAINST MY SSN. I HAVE NO CONTRACT WITH XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX STATED THAT THE ONLY INFORMATION THEY HAVE IS MY NAME AND AN AMOUNT OF {$59.00} WHICH IS INSUFFICIENT VALIDATION. On XX/XX/XXXX XXXX XXXX XXXX received my official request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which includes a request to cease collection and reporting until they prove the alleged debt to be valid. On XX/XX/XXXX XXXX XXXX XXXX REPORTED continues to report incorrect debt against my ssn and have refused to cease collections and reporting after receiving my request for VALIDATION WHICH IS IN VIOLATION OF THE FDCPA.
Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.
I am a retired XXXXyr old Veteran with XXXX XXXX service in XXXX on a fixed income. I was retired in XXXX and went into a severe financial crisis by the loss of 2/3 of my income. I have been scammed by several Modification outfits and got no results. I have simply been trying to get an affordable monthly payment that I can make without being broke every month. It took me 2yrs to get my full retirement and that is what started this situation. I was an XXXX in XXXX XXXX with the rank of XXXX XXXX and a rating of XXXX in civil service ( 29yrs ). My daughter and myself lived on {$1700.00} per month for over a year, Even after getting full retirement, I only bring home a little over {$3500.00} per month. When retired my monthly mortgage payment was {$1300.00}. It is not hard to see that one can not make that payment on {$1700.00} per month and still live. I have tried many times to get a fair payment that I can make, to no avail. The supposed loan started in XXXX with XXXX XXXX XXXX. We live in a small XXXX Florida town and I have found out that XXXX was not licensed or authorized to work in Florida then. The mortgage has been sold to XXXX XXXX XXXX XXXX XXXX and is currently serviced by Carrington Mortgage Service. We have recently been served with a summons Lawsuit of Foreclosure. I have been here for 27yrs and it is the only real home I have ever had. My daughter had XXXX for 6yrs and it is the only home she has ever known. To the corporations this is a property, but to us it is our home. I feel that at this time, I can make a {$600.00} per month mortgage payment. If only the mortgage company would work with me. I did have a Forensic Investigation done on my mortgage and they found several discrepancies. I am not trying to get something for nothing, I just want my daughter and myself to stay in our home. Oh, something I forgot, I was divorced in XXXX just prior to retirement. That did not help the financial situation either.
I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.
Vehicle was repossessed then reclaimed with payment, and repossessed again after financial commitment to repay balance on vehicle.
In XX/XX/XXXX, I got the statement for Pell-Grant over payment from XXXX XXXX XXXX XXXX.
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down 50 points IN XX/XX/XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and XXXX XXXX XXXX XXXX at all until XX/XX/XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XX/XX/XXXX ). 
When I got my statement from XXXX XXXX XXXX XXXX, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XX/XX/XXXX. This issue reported at XX/XX/XXXX from XXXX XXXX XXXX XXXX. I do n't  understand why. I did n't get any letter, email, statement or bill before XX/XX/XXXX. Simply I got the statement in XX/XX/XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XX/XX/XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XX/XX/XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XX/XX/XXXX Now I am in extremely hard time. Please help me.
My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.
I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!
XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, XXXX stated in the paragraph number XXXX : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted the XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, XXXX in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, XXXX, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, Tenants Screening Companies, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and Tenants Screening Companies until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XX/XX/XXXX and got discharged all debts.
Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX XXXX name XXXX.
My original mortgage with Greentree servicing had a monthly late fee that was {$5.00} and imposed after a 5day grace period. Ditech financial bought the loan and I was told yesterday that same fee would be {$65.00} per month applied one day after the payment due date with no grace period. This is a breach of my original contract that I signed with Greentree servicing and should not be allowed.
I was approached by a Chase Mortgage Broker in XXXX XXXX regarding lowering my mortgage interest rate. This was under the XXXX Program and my mortgage was then refinanced under XXXX at 5.375 %, as we know interest rates significantly have fallen since then. On XXXX XXXX, XXXX I contacted XXXX XXXX, the Chase Mortgage XXXX regarding the possibility of having my interest rate lowered. He responded with.. 
" All we know is that it made sense then - and rates were still historically low - unfortunately, we do not have a crystal ball, so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline, and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment, my home is still " under water '' so I am unable to refinance in the traditional manner, Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers, not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.
I 've ask the collector not to call my work number. 
The XXXX XXXX collection still continues to call me at my place of work.
I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.