WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed two transactions and provided proof of the refunds. Chase is refusing to credit my card, has charged me late fees every month - even if payment is on time. They need to credit the {$15000.00} for pending refunds.., and all the months late fees where the payments were actually made timely. I will not be making payments on any cards accounts with them until they correct.
I became  XXXX   XXXX  in  2010 a nd went through the paperwork to get loan forgiveness. The company kept saying that this paper or that paper was n't right. I kept getting the run around. I am still  XXXX   XXXX  and on a fixed income with  XXXX  children.
I have attempted to dispute several inquiries multiple times with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me back to Transunion. These inquiries into my credit file were not authorized. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I am requesting information on how Transunion conducted their investigation into my previous dispute ( s ).
Hi, I refinanced my loan with Capital ONE mortgage in XXXX. At the time of refinance I was asked to open an Escrow account for my insurance and property tax deposit with the option of closing the Escrow account in a few months. However, when I called Capital ONE to close my escrow account last year, I was told that Capital ONE requires me to have loan for atleast 1 year to close Escrow account. 

I called up Capital ONE customer care after 1 year on XXXX XXXX, XXXX and now I am told that Capital ONE requires me to have the loan for 2 years to close escrow account. When I questioned the Capital ONE representative about this policy change for existing customers, I was told that there is a new federal policy that requires me to have loan for 2 years to close escrow account. However, I did n't find any changes to federal policy for closing escrow account. 
Additionally, When I requested Capital ONE representative to share a written federal policy with me, I was told that it is an internal policy and they do n't have a written documentation for this policy change. 

I need your help to close my escrow account with Capital ONE. Due to following reasons, I feel there are some malpractices going on in capital one to cheat customers and push them to have escrow account with Capital ONE. 

1. For existing loan accounts Capital ONE ca n't change Escrow account closure rule to have loan account from couple of months to 1 year and then to 2 years rule. Any policy change should be applicable for new loans. It ca n't be retroactive. 
2. Despite of repeated requests, Capital ONE is not providing a written documentation of this policy. This is a big red flag to me. Bank should provide any policy changes in written. 
3. Capital ONE representatives are misguiding customers by referring to changes in Federal policy for escrow account closure. As I said earlier, I did n't find any federal policy change for escrow account. 

I would request you to take up this matter with Capital ONE to save interest of millions of mortgage customers of Capital ONE.
We were approved for a short sale and began the process. On XXXX XXXX, 2016 we accepted an offer for amount the bank appraisal came back for. It is now XXXX XXXX 2016 and we still have no resolution. I spoke with the Bank negotiator on the phone XXXX/XXXX/16 and was told the XXXX they had received was good but the date needed to be pushed out by 30 days. I was promised that if they got the XXXX with the correct date they already had everything else they needed and the file would be submitted to the credit officer by the end of the week. The XXXX was submitted the next day. I called and left a message for the negotiater to let them know it was equator. Now we have been told the purchase agreement has expired and we have to resubmit documents, which is contrary to what I was told on the phone. We continue to have to resubmit the exactly same documents and have no resolutions.
I believed I made my last payment on the  card, but was not sure. After doing some investigating I requested proof of purchases and invoices. Macy 's charged my card for something I did not purchase. I thought it was maybe clothing or something smaller, i.e. less th an {$25.00}. However, the purchase was nearly {$300.00}. I have disputed this for near ly three years a nd nothing has become of my complaints to them. I am now in collections to  XXXX   XXXX   XXXX  and all they will do is attempt to collect payments. I do not owe this and have exhausted every resource and course of action.
Hi! To give you a brief recap, XX/XX/XXXX the IRS had incorrectly assessed a tax lien in the amount of {$130000.00} and which was then subsequently filed/recorded in XXXX separate county clerk offices ( XXXX in XXXX & XXXX in XXXX ) which created XXXX public tax records against me. When I finally became aware of these liens I had one of my attorneys research the matter and it was determined that these liens should have NEVER been filed against me personally. A formal dispute was filed with the IRS XX/XX/XXXX and they subsequently agreed XX/XX/XXXX that these liens were improperly assessed against me and they were immediately released ( see attached correspondence ). 

While other credit bureaus subsequently removed these from my credit file, Equifax has continued to improperly list them. I have made at least XXXX ( XXXX ) formal disputes with Equifax including sending a certified letter to Equifax 's CEO contesting these items and, simply put, have achieved nothing doing so. I 'm not sure if the CEO even looked at my letter but no one at Equifax who reviewed my online dispute seems to understand that these items should be completely removed from my credit file when the IRS itself determined that these liens were, in fact, improperly assessed against me. I 'm not sure where the disconnect lies nor why the Equifax team who handles disputes can not understand the distinction of what happened here. I was told by each of the Equifax representatives I spoke to that I would have to obtain individual releases from each of the county clerk offices where the IRS liens had been filed and this makes absolutely no sense! The IRS sent out lien release letters directly to each of the respective county clerk offices and simultaneously sent me copies of such releases ( see attached ). Equifax is improperly reporting these liens as being satisfied/paid. Again, these liens never should have been assessed against me and the IRS confirmed this. Equifax should completely remove these XXXX derogatory and improper public records from my credit report. 

Thank you in advance for any assistance you can provide in helping to rectify this situation. Sincerely ... XXXX XXXX
I have never signed an agreement that i understand there to be a debt with you. Therefore there is no debt and fraud is close too the actions you are taking
XXXX sold my credit card balance to a debt buyer XXXX, whom I immediately paid. Subsequently, XXXX purged the account history from my XXXX and XXXX credit reports, but left it in my experience as unpaid. It is impacting my ability to get a car loan and refinance my high interest debt. 
I believe XXXX should remove the account from my experience credit report as they did with the other XXXX bureaus because there is now way to retroactively represent what actually took place and the current reporting data is not correct.
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.
my credit with XXXX actt # XXXX was turned over to sessoms and rogers XXXX XXXX XXXX, NC XXXX i agreed in writing to pay XXXX $ a month for 9 years or XXXX months and was happy about that. all payments are due on the XXXX day of each month, XXXX payment already made, cleared the bank XXXX WEEKS before it was due. next payment is not due till XXXX, per acct # XXXX ok XXXX payment per agreed to in writing has been made. on wednesday XXXX 2017 i giot a phone call about, i couldnt tell you, today XXXX 2017 i get a letter that said-we heard you have an XXXX representing you. I DONT. i agreed to make the XXXX $ payments buy the XXXX of every month but they just dont get it. lets re-cap- i have no XXXX and just want to make my XXXX $ a month payments and NOT GET MORE CALLS AND LETTERS FROM SESSOMS AND ROGERS, OK? end of story. tell these very unethical law firm nuts that XXXX check # XXXX has cleared the bank for my 1st payment and will do so every month or ill file a harrasment claim. they stop bugging me ill make the payments in peace and harmony. can you the fcpb help me in this matter, thanks.
XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.
Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail dated XX/XX/XXXX and received by me on XX/XX/XXXX from Experian. They have been ignoring my disputes and just casually 'updating ' the accounts with typical account info. Therefore, there are a few accounts still ILLEGALLY REPORTING in my credit file. As I mention in my attached document, Experian stated in this Dispute Report # XXXX on XX/XX/XXXX that accurate information can not be deleted. Well, please tell me how in the world an account thats reporting late months with THEM ( in XX/XX/XXXX and XX/XX/XXXX ) are reporting POSITIVE AT XXXX for the lifetime of the accountincluding for those SAME MONTHS they claim I was late! HOW IS THIS ACCURATE? WHY WAS THIS INACCURACY & VIOLATION NOT UPDATED TO POSITIVE? Please tell me how illegally reporting a re-aged account is " accurate '' information. Or how accounts that have two different " account open '' dates across bureaus are reporting 'accurately ' with you. THESE ARE ALL VIOLATIONS. I demand that this dispute be expedited due to Experian 's negligence and the disputed accounts be deleted immediately and updated to positive where noted. The attachment includes my SS card and photo ID.
Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.
They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.
We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.
There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.
I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the issue.
To Whom it May Concern, I took out two private student loan accounts during XXXX school with  XXXX. These two accounts were in deferment during my XXXX training. In XXXX of my fXXXX training year, I was contacted and told that these accounts could no longer be in deferment because XXXX training to specialize in the field of XXXX XXXX is considered " voluntary training '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXXXXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.
Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.
Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. Transunion is reporting, without adequate legal standing or in full accordance with the credit regulation compliance standard and laws. 

Per FCRA laws and CDIA enacted XXXX XXXX formatted reporting all allegations of data must be CERTIFIED as testimonial in full and refutable truth, accuracy, completeness, timeliness, ownership responsibility and elsewise undoubted compliance.
This Credit Agency states that my credit score is half of what the other agency says. In order to request a copy of the report I am required to send the follow per their website : Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address Send your request to us at : Secured fax : ( XXXX ) XXXX Or Postal mail : SageStream , LLC Consumer Office XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX As I do not know who this is nor have I ever heard of them I do not feel comfortable sending that kind of information to them. In searching for answers I see several reviews that they are a scam and do this to keep your credit score low to get higher interest rates. There needs to be a better way to get the information they are reporting with out giving them everything to steal my identity. Also if they are a credible resource then the public should be made aware. <P/>Also, a key factor that adversely affected my score was listed as : Distance between address and area code of phone. That is just ridiculous. Why would that effect my score?
XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
A representative named XXXX XXXX from XXXX Department called me at approximately XXXX saying that they are in possession of a debt XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.