WillisBack/dataset-financial-user-claim huggingface dataset:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 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 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 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 XXXX XXXX, 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. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment
Dispute number XXXX : If the culmination of systematic payments and insurance checks pay the 75 month account off many months before it was due, why is there still a year 's worth of late payments on my record? The monthly payments of {$110.00} were slightly over what was requested every month. Both the primary insurance and the GAP insurance had to make their payments before I started making mine. The GAP insurance payed late, plus I had a dispute with them. Once I started making my payments, they were slightly over the amount requested, on time, and resulted in paying off the contract many months before it was originally due. The report of late payments is inaccurate and needs to be removed.
Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.
I have been current on my Capital One account for over 2 years and have never missed a payment. I was very happy with this card. I ran in to some issue making a payment online and it caused me to miss a payment of {$35.00} in XX/XX/2018.

I have had a similar serious error where my account was closed due to another tech issue that 2 payments were declined from my bank account. Capital one simply close my 2 credit cards even though This payment was way before any due date and was for over 60 % of the balance.
XXXX XXXX XXXX XXXX turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to Track America , INC . This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked XXXX XXXX to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX  ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
I have escalated this issue to Equifax multiple times Since XXXX, XXXX and all I get is a repetitive auto response. I have sent certified mail to XXXX XXXX XXXX account XXXX requesting validation and received NONE : XXXX/XXXX/XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX Following the FCRA, this account needs to be removed for failure to validate the allege debt. I 'm attaching copies of the original letters requesting validation as well as Equifax automatic responce. 

I have reached out to Equifax multiple times, and all I get is a repetitive auto response from them : XXXX/XXXX/XXXX - USPS XXXX XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX I requested validation from XXXX XXXX XXXX and received none. I then disputed this with Equifax multiple times, and still have not received full validation. It is way past the 30 days from my original request of validation, and all I get back from Equifax is that they have performed their research and verified 'the balance is reported correctly ' Yet, they still do not show proof of their research showing what validation they have on this account. 

This is violating the FCRA. If validation is requested, then valid proof of this allege debt should have been handed to me, and it was n't and it is now past 30 days. 

There are XXXX apts on this complex and when I returned the apartment, there were no damages reported ; The property management at that time did a walk through with me and we both signed a piece of paper that there were no damages to the aprt. That piece of paper is valid proof that there is no damages to the apt and I have requested that piece of paper as validation for this allege debt, I have also requested pictures or any evidence that came out of this apt and again I did not received any such evidence. The apt complex changed management since then and I have had difficult time researching this allegation. I have requested for validation/proof that there is such allegations and received none, I have escalated this with Equifax and am stuck with their repetitive responses. This allege debt has caused harm to me and my credit and is building punitive damages and all I get from Equifax is a repetitive response. 

Again, I requested for validation and received none, and this is still being reported on my credit file. This is a validation of the FCRA on which I have escalated this three times with Equifax.
Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.
Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Caliber Home Loans put a 30 day late and past due delinquency on my credit report and the mortgage payment was not late.They were paid over the phone and charged me an additional XXXX. After reporting such erroneous information on my report, my score dropped over 70 points and I was denied credit from other creditors. In addition, I was embarrased and my character was defamed. I wrote the company and asked them to update their records and remove the late because this is a violation of the Fair Credit Reporting Act ( FCRA ). I received a letter from them stating that they are investigating the matter. I was a victim of inacurate and unfair credit reporting. Please help me by investigating this matter.
I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.
Wrongful foreclosure after a set aside of forclosore, Judgment of satisfaction made {$00.00} dollar amount owed, No loan with either company,, policy would not allow a loan, Company, for closed evicted me out my home and sold property, XXXX but state they had no sale on property, nor show an actual loan I had with company. Collected money but show no actual collection on a loan I established with bank, Person exclaimed to be working for bank as a lawyer was n't. I received my home back through the village jurisdiction because of the ordinance code and General Warranty Deed XXXX/XXXX/XXXX was evicted by another company XXXX/XXXX/XXXX, Case held set aside.
i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.
I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.
For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.
Transunion has entered an item on my credit report that is reporting incorrectly and should not be on credit file. XXXX XXXX should not be listed on my credit report with negative information. I have attached information that shows a clean history with this account which is past the reporting time to be listed.
XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.
On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. To my knowledge, absolutely nothing was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.
My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue.
My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. 
I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. 

Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP!
On XX/XX/XXXX I changed my email address for my Capital One credit card account. I was about to lose access to the email address I had been using. On XX/XX/XXXX I was advised that Capital One was sending account correspondence to the old email address. I reported this to Capital One. 

On XX/XX/XXXX Capital One sent a required privacy notice to that incorrect email address. I contacted them again. They asked me to do no end of things but can't say that any of them have rectified the problem. They don't seem to care that they're sending confidential information to an email address that is no longer mine.
I purchased and pay off a XX/XX/2008 XXXX XXXX. It was financed with Santander Consumer. I made payments on time. However, Santander Consumer is reporting to all credit bureaus agencies XXXX late payments. This negative feedback is affecting my credit report. I am not able to get approve for a new car loan. I need a new car in able to go to work. I am desperate and I need your help. I have done some research and it seems that Santander Consumer is notorious for malpractice with consumers. 

Below are several sites that show filed complaints against Santander Consumer. 
XXXX
In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.
I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.