WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, my wife and I received written acknowledgement that our IRS XXXX XXXX XXXX had been officially withdrawn. IRS Forms XXXX and XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release '' was sent to the XXXX County, XXXX Recorders Office and subsequently recorded which was verified by written notice from the XXXX County Recorder on XXXX XXXX, XXXX. My wife and I have made five ( 5 ) attempts to have the tax lien removed from our reports including two on-line disputes ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with TransUnion which were both denied. Then a phone call on XXXX/XXXX/XXXX to inquire about the dispute directed us to send a fax with all of the aforementioned paperwork which was sent the same day with a confirmation of fax receipt to their Consumer Contact Department ( Fax # XXXX ) which they subsequently claimed was not received. We contacted TransUnion again on XXXX XXXX, XXXX and were informed that the lien would remain so we mailed in copies of all of the aforementioned documents the same day to TransUnion at XXXX XXXX XXXX, XXXX, XXXX XXXX in order to make an additional dispute request and have the item removed from both of our credit files. 

We have made similar request of XXXX who has refused to update our credit files and they remain as a negative there as well. We are currently in the process of applying for a home loan and are being told that our credit scores will result in a much higher interest rate as a result of the tax lien which should have been removed. We have no other negatives in either of our credit files for the past 10 years. 

XXXX is the only credit reporting agency which timely removed the withdrawn tax lien from both of our records. To date the disputed item remains on our report with TransUnion and XXXX.
On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
This is a complaint stemming from the Equifax security breach reported in XXXX 2017.
I have had to place a fraud alert on my credit history with all credit bureaus. This is going to cause delay in the financing process as I am currently working to purchase a home in a highly competitive market. Sellers in my area are closing from many many offers from buyers and time to close is becoming a huge differentiator in this market. Due to this incident, my time to close will likely be delayed due to the fraud alert requiring additional verification on any credit inquiries. This can make the difference between my family being able to purchase the home of our choice or not. 

As this was a direct consequence of what appears to be negligent security practices on the part of Equifax, it is not out of the question to ask for some remuneration to offset the possible lost time and lost opportunity that we will now experience in buying a home.
In XXXX XXXX, American Express posted charges on my account of {$1700.00} and XXXX which on our about XXXX XXXX, XXXX communicated would be reversed. These amounts were not reversed and I had a significant credit balance on my account which remains over {$100000.00}. The account is closed and I have been regularly following up on the reversal. Each time the representative has indicated they need to do further research and I needed to be patient. I have spent more than 20 hours in the last 60 days on hold while waiting for resolution and working with multiple supervisors to pull the recordings in order to reverse the charges. I received a good faith credit of {$500.00} so the remaining credit outstanding is {$2100.00}. American Express has held my personal funds more than 8 months and the credit balance is greater than {$100000.00}. They will not resolve the reversal of the fees and continues to hold my credit balance. They indicated on multiple occasions they need to investigate but they never follow through. They indicate they will call me back but they do not. I have several supervisors names and extensions who are researching. They are extremely apologetic on the phone and express the empathy for my status but do not resolve. My credit score is greater than XXXX and I pay my bills monthly in entirely. I do not have any interest charges on any credit for more than 20 years so this Amex Charge is completely unfounded. 
After spending 4 months contacting Amex regularly, I have no confidence this will go for many more months. There is no incentive for them to resolve my account. I have cancelled all cards with American Express because of this experience. 
How do I get to the right team member in AMEX to complete the reversal of the inaccurate charges on my account?
I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter
after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file
On X/XX/17 MAS Financial contacted a friend regarding my car loan. At the time the loan was 22 days past due. This company has recorded messages that they sent 4 times a day on the second of the month when the loan is due on the first. I requested that my due day be extended to later in the month and they said it had to go to a committee and they would send paperwork. I asked a second time and never received the paperwork. When I received the loan they would not approve unless I gave them 8 references, which they used to call my friend. I have always paid a little late because I am XXXX yrs old on SS and the first does not work for my payment schedule. I have told them this and they still continue to harass me. I received an email from them and I wrote back with the time and amount I could pay and they said they ca n't take email arrangements. I wanted it in writing because they are despecible and not trustworthy. I called a supervisor they told me to call and they did n't answer their phone so I repeated the arrangements in English. I have received messages from a XXXX, who also called my friend, and it is all in XXXX. I speak english I have no idea what they are saying. They over stepped by calling a friend concerning my loan on a 22 day late loan. I think they should be investigated.,
On XX/XX/XXXX citicards pulled my credit report and approved me for a credit limit increase on my credit card from XXXX to XXXX. There was negative information on my credit report at the time ( a bankruptcy filed XX/XX/XXXX ), however, my credit limit increase was approved. Since that increase in XX/XX/XXXX I have used my account in accordance with the terms & conditions, however, I am now being turned down for increases because of my bankruptcy on my credit report. 
With this in mind I feel unfairly discriminated against.
My account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.
The number calls repeatedly. I blocked the number but they continue to call. I attempted to call back but the automated answering machine hangs up on me. Still leaving voice messages.
My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.
On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.
They called and said they are looking for my son. Their phone number is ( XXXX ) XXXX. They also called his Uncle. They called me over and over but would not divulge any information as they could only contact my son. I gave them my son 's number on numerous occasions. My Son is in a XXXX program at the University of XXXX. He said they continually call him while he is in lab doing research and because they never leave a message he just assumed it was a political or prank call. Regrettably at my urging he called them back. They demanded payment on a credit card bill we thought had been resolved when he purchased a home in Arizona. They demanded XXXX of the money immediately and got my son 's bank account number and additional information with the second amount in full the next month. We are very concerned and not sure what we should do next. My son acted on my panic. He is a college student with no money. I feel horrible. Since then, I have seen numerous reports on Email this is a scam company. What can I do?
Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.
I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.
Affiliated Acceptance Corporation continues to charge me for a membership with a company I no longer am associated with. On XX/XX/2018 I signed up with XXXX XXXX in XXXX XXXX New Mexico for a membership. I was reluctant to do so because I travel extensively and am not able to use their facilities much more than two or three days a month. The employee at XXXX XXXX assured me that this would not be a problem because they could just " put my account on hold. '' XXXX XXXX received a one week notice that I was going to be going to XXXX  and would need my account to be placed on hold. They received a 72 hour notice. By the time I gave them a 24 hour notice, I was charged for the month of XX/XX/XXXX. I wasn't in XXXX XXXX during the month of XX/XX/XXXX and they were not authorized to charge me for that month but they did anyway. Now, Affiliated Acceptance has decimated my credit score by reporting this as a late pay. They know the situation yet they continue to charge me even though I no longer wish to do business with XXXX XXXX.
This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.
This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.
Starting XX/XX/XXXX through XX/XX/XXXX hackers broke into my Chase Business Checking account and began making online purchases and funds transfers. On Saturday, they tried to make charges on my debit cards. Chase Fraud alerts caught and stopped them. Later, they started transfers from Chase Quickpay from 4 of my 5 Chase accounts in small increments ranging from {$50.00} to {$1000.00} attempting to take out over {$6000.00}. I have filed a claim with Chase. My cards, phone and computer were in my posession the entire time.

I have filed a police report and a claim with the bank. My main complaint is about the lack of response of the bank and their failure to communicate internally to their staff or to customers about the risks. After going online, I see that thefts like this are very common. Yet, Chase delayed 2 days after notification to file a report, and did not train bank staff on how to handle these claims. They froze my accounts to protect the assets, but talked about sending a letter through the mail in several business days.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % interest.
I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.
This mortgage broker does not quote APR. I thought it was the LAW to quote APR
See the below email from XXXX XXXX XXXX XXXX



From: XXXX XXXX  
To: XXXX 
Sent: XXXX XXXX XXXX 2017, XXXX XXXX XXXX 
Subject: follow up 

XXXX,
 
Todays rate: 3.875
No Points
Lender Fee Discounted: XXXX  ( XXXX narmal) 55 day lock 3% down
Loan amount: XXXX 
Payment: XXXX Credit Score: XXXX
 
Sincerely,
 
XXXX XXXX (XXXX ID: XXXX)
Loan Originator/Sales Manager
 
 
 
  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(Company XXXX ID: XXXX)
 
Phone: XXXX
Fax: XXXX
Email: XXXX
Web Site: www.mcglonemtg.com
 
 
                 
 
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This e-mail is confidential. It may also be legally privileged. If you
are not the addressee you may not copy, forward, disclose or use any
part of it. If you have received this message in error, please delete 
it and all copies from your system and notify the sender immediately
by return e-mail.
On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.
XXXX XXXX has been calling off and on for well over a XXXX threatening legal action on some debt or bad check. I have attempted to have them mail me something verifying the information and have received nothing. They have called my home phone, cell phone, wife 's cell phone, my mother. My credit report is clean and there are no outstanding debts. I have not had a person checking account for several XXXX. I 've tried the do not call registry but they continue to harass. Everything XXXX read regarding them is that most cases are fraudulent.