WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP
I am a XXXX XXXX for XXXX XXXX XXXX XXXX. For 10 years, I have been garnished for an uncollected debt which I have not received any information about the status of payments to terminate the debt nor what the debt is about. 

When contacting XXXX XXXX XXXX XXXX, I was given the following phone number XXXX. When I called this number earlier today it was disconnected. I then called XXXX the original debt collector XXXX and was told to try again as the number is now working. XXXX also gave me the names of XXXX XXXX and XXXX XXXX. When I called XXXX XXXX, he hung up on me. 

XXXX XXXX XXXX XXXX has closed this case and will be refund the last garnishment ; however, I am trying to receive a refund of any monies overpaid. This debt does not appear on my current credit report. 

Please help.
I submitted a dispute with Equifax on  XXXX / XXXX / 17  for an account that has been reporting the incorrect balance. Along with the dispute I attached an invoice from the company that is reportin g (   XXXX   XXXX   ) th e incorrect amount. I spoke with a supervisor on  XXXX / XXXX / 17  that was Extremely rude and argumentative that my notice was not sufficient evidence. My notice clearly states the amount and it is different from what they are reporting. I received my results on  XXXX / XXXX /   17  that states the results conclude that  XXXX   XXXX  has verified and OUR company is reporting correct information. I feel as if that supervisor I spoke with was being rude with that " OUR '' statement.
XX/XX/XXXX and XX/XX/2017 I missed two payments. I had moved due to job relocation out of state. USAA is supposed to be military and DoD friendly but they refused to work with me and are not understanding. Been a member for over 14 years and this is my first issue with payments.
I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!
equifax, afraid my information was STOLEN and i ', m afraid to even use there site as i do n't feel secure it is safe to do so i think they should be made to help people affected and then GO TO JAIL!!!
TOOK A XXXX LOAN OUT MADE A FEW PAYMENTS BUT I LOST MY JOB, MY HOME, MY CAR. I COULD NOT AFFORD THE PAYMENT. I TOLD COLONIAL FINANCE IN XXXX I COULD NOT. THEY CALL MY CELL AND WORK EVERYDAY. MAIL LETTERS, COME TO MY HOME. AND NOW STALKING ME AT GAS STATIONS. I CRIED AS SOON AS I GOT INTO MY CAR OUT OF EMBARRASSMENT.
I entered into a Short Sale agreement with XXXX being the 1st Mortgage Holder and Key Bank the 2nd Mortgage Holder. The purchase and sale agreement is dated XX/XX/2016. I have approval for the short sale from XXXX but Key Bank is giving us the run around. Escrow has asked for a payoff and apparently received the incorrect XXXX of XXXX. I have been trying to explain to Key Bank what has happened but all I get is the run around. My latest calls have taken 1 - 2 hours with no results. They will transfer me to Loan and Liens than Recovery Dept. than Recording ( which was closed ) than Escrow ( I have explained to them they are not the closing agent they are the Lien Holder on a Line of Credit than I will get transferred back to Line of Credit. They definitely do not know what they are doing. My recent call on Friday XX/XX/XXXX they transferred me to the Collections Dept. I tried to explain to them that this loan had been written off with a XXXX Balance. I am needing the Release of Lien and if they are unwilling to release it XXXX has offered to settle with {$6000.00} to them.. Than after being on the phone with them II was transferred to the Work Out Dept, no one was available so than I was transferred to the Escalation Team and no one was available there either. 
This is the fourth purchaser for the property and we run out On XX/XX/2016. We need to hear from Key Bank ASAP. You would think they would be delighted to accept something rather than XXXX.
It unlawful to discriminate against anyone who has exercised any rights under the Consumer Credit Protection Act.Yet, directly after exercising my rights, filing a complaint with the CFPB USAA first limited my account access to all my accounts with no explanation, then froze my available credit only to finally close the majority of my accounts. The accounts they did not close, they have refused to grant me online access as well as refusing to mail me statements. Thus I do n't have any way of knowing what and when to pay. Their explanation for refusing to send statements to my remaining accounts was that I agreed to receive documents online thus they are unable to send statements. Yet it was they themselves who are preventing me from viewing the statements online. In addition they also began reporting negative information despite the accounts being in dispute. <P/>This was all done shortly after I filed a complaint with the CFPB in regards to their reversal of a finalized billing dispute a year prior, as well as their refusal to provide any documentation.
Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.
I have sent several certified letters to Transunion requesting their method of verification. The company has failed to provide any of the proof I requested. I have asked that they perform an independent investigation of the accounts I have disputed and send a copy of the information that proves the information was verified by the original creditor. Transunion has not provided any method of investigation as I have requested on several occasions
MY NAME IS XXXX XXXX XX/XX/XXXX I PAID OFF LOAN # XXXX WITH XXXX XXXX. I OPENED IT UP XX/XX/XXXX. I HAVE PAID BI WEEKLY PAYMENTS OF XXXX WITH XXXX XXXX STARTING ON XX/XX/XXXX. WHEN PAYING LOAN OFF I OWED MORE THAN I BORROWED ALL MONEY WAS GOING TO UP FRONT INTEREST AND FEES. MY PAY OFF WAS XXXX. AND I WAS TOLD THAT THE LOAN CHARGED {$17.00} PER DAY FROM YOUR LAST PAYMENT TO YOUR NEW PAY DATE ( EXAMPLE XX/XX/XXXX TO XX/XX/XXXX ) I ONLY BORROWED XXXX AND PAID THEM {$2600.00} IN PAYMENTS AND STILL HAD TO PAY {$2300.00}. 
PLEASE HELP ME WITH THIS ISSUE AND UNFAIR CHARGES.
I have been trying to work with Naivent to help lower my payments. They have given me few no options as to which to lower my payment. When I submit for lowering my payments they take into account my gross pay, not my net pay and they also do not consider any other expenses a month. This in turn allows them to charge an extraordinary amount of money to repay my loans. I have been trying for several years with no resolution. I have been reported to my credit agencies as late but have not defaulted. I fear if there is no positive resolution I might default on my loans. I have no problem paying but it needs to be fair to me. If you have a car loan for 6 years for {$70000.00} you are still paying less than for a student loan for 30 years at the same cost. Makes no sense.
As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?
I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.
In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX, reported me 120+ days late the next month on my Transunion report. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Transunion report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Transunion via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XXXX to support my request ( all uploaded for your review ). 

I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history. The report now reflects disputed information updated : Pay Status remained " Account 120+ days past due date '', late monthly payments were removed in the monthly detail now showing OK, balances were changed to {$0.00}, Last Payment Made shows XX/XX/XXXX, and a notation under the date closed on XX/XX/XXXX stating " Maximum Delinquency of 120 days in XX/XX/XXXX ''. 

The results from this investigation do not make logical sense. I did not make my final payment on XX/XX/XXXX, but rather on XX/XX/XXXX. How is it possible that the monthly detail shows on time payments, but then the Pay Status reflects 120 days past due which contradicts the monthly detail? How can there be a note stating " Maximum Delinquency of 120 days in XX/XX/XXXX '' with my monthly detail showing on time payments? I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Transunion has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK
Wells Fargo has both our first mortgage and our second mortgage classified as Home Equity loans. They will not give me a reason as too why both of our loans are classified home equity loan. 
I understand the second mortgage being classified as a Home Equity loan but do not understand legally how the first mortgage can be classified as a Equity loan as well. This is a major factor in allowing for a refinance or a modification in which we are in need of and repeatedly are denied.
I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.
The mortgage lender " Loan Care '' recently bought our home mortgage. We pay our monthly mortgage payment on time every month to them. Our local property taxes were due in XX/XX/XXXX. A Loan Care representative assured us the tax payment check had been mailed to our tax authority on XX/XX/XXXX. The check was never received, putting our tax status as delinquent. After several calls to Loan Care, they responded by saying the check was received, but returned to Loan Care by our tax office. We checked with the county tax office, and discovered the check was never received, and they would not return a check for tax payments. After several more calls over the past several months ( it 's now mid XX/XX/XXXX ) ... Loan Care has still failed to pay our property taxes from our mortgage escrow account. They continue to make excuses, as we continue to pay our monthly payments to them. We even had a rep from our local tax office on a 3-way call with Loan Care, and they continued to make excuses, and said the check will be mailed. To date our taxes have NOT been paid, a lien is about to be placed on our home, and the county publicly posts our names in the local news as delinquent dead beat home owners! I 'm not even sure how all of this will affect our credit, but we need your help!!!
The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.
I reached out to Convergent in regards to the debt not belonging to me, I asked them to provide all the identifying markers to support their claim such as, Copy of original contract bearing my signature and a copy of the State or Federal ID that was used when account was opened, instead of providing those documents, they only provided a computer generated bill.
BANK OF AMERICA IS CLOSING MY BANK ACCOUNT IN RETALIATION FOR A COMPLAINT I FILED WITH THE CFPB REGARDING A DISPUTE OVER A CHARGE I FILED. THIS IS DISCRIMATORY AND PREJUDICIAL AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND ILLEGAL BUSINESS PRACTICES AND THIS IS UNFAIR TO ME AS A VETERAN NAD A CUSTOMER AND I WOULD LIKE TO HAVE THE MATTER INVESTIGATED IMMEDATELY.
Called Transunion to remove Fraud accounts. Was given a extreme hard time over the phone. Transunion has been informed since XX/XX/XXXX with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.XXXX XXXX
I spoke to XXXX XXXX XXXX, State of NJ, to find the funds deposited by my uncle, XXXX XXXX XXXX to my XXXX daughters, at the XXXX XXXX XXXX XXXX. I believe my sister XXXX XXXX XXXX was employed by XXXX and she could have provided the information, but I am not certain. XXXX XXXX advised that there are no funds in the possession of State of NJ Treasury and I should work with the FDIC to locate these CD funds. <P/>The deposit to XXXX was made on XX/XX/XXXX by XXXX XXXX XXXX ( having this day made a custodial gift under the NJ Uniform Transfer to Minor Act, with a signature of XXXX XXXX XXXX, Notary Public of NJ ( My commission expires XX/XX/XXXX - Qualified in XXXX County ). <P/>The XXXX was bought by Wells Fargo and they had no information about these XXXX accounts My uncle, XXXX XXXX XXXX died on XX/XX/XXXX and a copy of his death certificate is available from me. <P/>I am the Custodian of these XXXX accounts
I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with All Credit Lenders that has provided hundreds of thousands of dollars in restitution for consumers across the state.