WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an alert stating my overall debt increased by {$81000.00}. I checked and found out that Equifax is the only one reporting an " additional '' student loan from XXXX XXXX XXXX for {$81000.00}. It just appeared out of no where. The information is a match to an XXXX student loan that should have been deleted due to bankruptcy. They are showing BOTH on my credit and I now have student loan debt of almost 200k. I called them and no one could provide me with a valid number for XXXX XXXX. I called XXXX XXXX and they don't have a number and so here I am with almost 100k of new debt and no one can give me answers. I called XXXX  and they are upset about me including them in the bankruptcy and Equifax will not remove them from my credit even though they have the bankruptcy papers. This new debt appears to be a replica of the other loan ... just under a new name 1. Both opened XX/XX/XXXX 2. both high balances of XXXX But the notes are different. On this unidentified XXXX XXXX XXXX it states : Consumer disputes after resolution Student loan - payment deferred Fixed rate Student loan - payment deferred Account in forbearance How? I have never disputed to have a resolution after the dispute and the payment isn't deferred. My XXXX loan is in forbearance until my lawyer can have a judge make them remove it based on the Federal Courts Judgement. The notes on the XXXX loan are : Student loan - payment deferred Account in forbearance My issue is Equifax ALWAYS reports INCORRECT, DUPLICATE or DELETED information on your credit report and when you call them to point out their error ... .they make you do a 30 day dispute for their error and something that shouldn't be on your credit anyway. Last time they ( Equifax ) put  items from a 12 yr bankruptcy back on my current credit report due to a misunderstanding on their end of documentation I sent in. It is unnecessary stress, disrupts your life, ruins plans, wastes your time and messes with your credit score ... all due to their mistakes or employee mistakes. It isn't fair to me. This is their 4th time just putting incorrect information on my credit report. I have also asked them to delete the notes off my XXXX loan and they continue to lie and say it is done. They need to delete this and the XXXX XXXX XXXX account immediately. That isn't my account. I have attached my credit report and supporting documents for this complaint.
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XX/XX/XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with my lender so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX  believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.
We opened an account with XXXX.

Our representative XXXX XXXX provided us with approved Vendors : XXXX XXXX. He emailed me the same day from : XXXX We hired XXXX to build us a custom website on XXXX within 10 days.

They have failed to do so. We did not receive a working website after 10 days. Even though we made all the payment and more before the deadline : {$2000.00} refundable deposit and {$1000.00} to receive the product.

They wanted {$2000.00} but we didn't want to pay all of it before we get the final product installed on our hosting. So we paid {$1000.00} even though it wasn't agreed according to our contract. Email with agreed amounts is attached as an image.

When we found out that the product DID NOT work and this may have been a scam, we contacted XXXX and asked for them to help resolve the issue. They closed our account and said that we need to resolve it with the vendor.

We tried to offer a compromise. Even though they finally agreed to {$2000.00} refund, they have failed to make the refund payment.

That is why we contacted discover and asked to dispute both charges. The letter to Discover with both case numbers is attached.

Discover ruled in the vendor 's favor 8 times. We have exhausted all valid disputes and that is why we have now filed a complaint with CFPB.

We would appreciate you help with this matter. We gave Discover a curtesy call and let them know that we have proceeded in that way. Discover representative agreed on XX/XX/2019 that it is an acceptable route to use additional resources for assistance.
OCWEN Mortgage XXXX. Has not mailed me my tax documents. There 's a lot of complaints against them for this same issue. Also I submitted for a loan modification a couple of years ago & spent over {$700.00} in refaxing the documents to them from XXXX & ea. time they sd. They did n't get them. I almost ended up in the street with my XXXX kids & both of my parents living with me, I 'm a single mom.
I have disputed with the three credit reporting agencies, XXXX, XXXX and Experian, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX. I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!
I receive a message on line telling me : Capital one is blocking you from enabling external applications. I went into Bank, call the phone number providedXXXX spoke to someone who could not help me!!
There is an account listed from XXXX XXXX Bank that does not belong to me, as well as a collection account from XXXX XXXX for the same account as above. This is not my account and I want them removed. I also want the address associated with these accounts removed, as well as other accounts associated with XXXX XXXX XXXX XXXX XXXX, TX XXXX as I have never lived at this address, nor have I received mail to this address. Please have remove account immediately.
On  XXXX   XXXX   2017  I submitted an   XXXX   XXXX   of  XXXX   XXXX  in the  USD  amount of {$26000.00} as confirmed by the Companys Records on COINBASE. Shortly after submitting this transfer request and receiving confirmation, the Coinbase site put up an  XXXX   XXXX  stating that all  XXXX    XXXX   would be delayed due to high volume requests . ( a  transfer of this nature usually t akes 10-20 minutes ) Well,  I could not cancel my transfer request at this point so I was locked in.   Approximately  26  HOURS later, I received an email from COINBASE, stating that my transfer of  XXXX   XXXX  was complete at a value of {$19000.00}, leaving me {$6600.00} short. Now, a slight variation might be expected in normal trading, but due to the fact that  COINBASE  was unable to handle the volume, it took about  26 tim es the amount of time to complete the trade and in the meantime I 'm out {$6600.00} dollars.
During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and  have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the Rise account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX ''
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX
4 TIMES I TRY TO DISPUT WITH XXXX XXXX, EQUIFAX AND XXXX WITH NOT RESUTLS.
I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.
APM FUNDED AN UNINSURABLE LOAN On or about XXXX I applied for a refinance of my RanLife FHA with American Pacific Mortgage. I closed on the refinance on or about XXXX/XXXX/XXXX. On or about XXXX XXXX I was informed that there was an error in my title paperwork ( a date that was dated after some critical date it should have been dated before ) and all I was told was that a ) it was impossible to re-sell the loan on the secondary market (? ). I was told it was a " scratch and dent loan '' ; and b ) APM would have to service the loan itself. I paid 11 months mortgage payments to them without receiving benefit of a positive credit line. 

APM WOULD NOT WRITE OUT OF UNINSURABLE LOAN On or about XXXX XXXX, APM said they wanted to re-finance my loan to be able to " write me out of an FHA '' to drop the PMI. On or about XXXX XXXX they told me that not only were they unable to refinance me into a conventional loan ( even though I am appraised well over 80 % ). They blamed the fact that I have a HERO loan and they could not " do a conventional loan '' on the loan, but they also could not do an FHA streamline either. The rules on FHA not refinancing did not change until XXXX XXXX and HUD said any loan pulled within 30 days of their XXXX XXXX announcement would be okay for a HERO or PACE loan. APM has elected to do neither. 

FHA SAYS I DO NOT HAVE AN FHA LOAN BUT BANKS SAY I DO This brings me to my biggest legal issue ; do I have an FHA loan or not? FHA says " no '' and I have called them twice. Another lender pulled an FHA case number for me. This means I have an uninsurable FHA loan which no one ( and I am assuming APM knows this ) else will touch because its not FHA insured in the first place. Moreover, I am supposed to have an assumable loan, which it is not, and I certainly can not apply to FHA if I have a case that is uninsured.
I have sent letters via fax as well as certified mail and personally called Equifax to remove incorrect addresses and employers, however, they refuse to.
I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me money.
XXXX XXXX  failed to withdraw the XX/XX/XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
I filed a complaint with you back in XXXX, XXXX, against Loancare LLC. The complaint number was XXXX. You had taken care of it and closed the file. Well guess what it 's not taken care of. Loancare is trying to charge me again for the money I already paid them. Also, they put the amount on my credit report with Equifax in the amount of {$100000.00} dollars, on XXXX. It 's no doubt listed with the other credit bureaus as well. My mortgage is currently under at {$100000.00}, according to my last statement from them. I am currently receiving assistance from XXXX XXXX XXXX, maybe that 's why they 're trying to rip me off again. Also they are raising my monthly payment from {$890.00}, to {$920.00}. I called them on XXXX, the girl I talked to fed me some BS, and tried to justify the increase. She wants me to send her a copy of my credit report.
XXXX XXXX/XXXX  charged off a credit card. 

the XXXX  credit report shows this. 

XXXX  and Experian credit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent  them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.
I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.