WillisBack/dataset-financial-user-claim huggingface dataset:
Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site
Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.
My data was compromised in the Equifax security breach. There is a delay in enrolling in their Trusted ID  program and I am concerned about fraud. It was unfair that Equifax did not disclose the breach to consumers prior as over a month has passed, and we should have been notified earlier so that we could monitor our accounts ASAP. I am unsatisfied with the breach notification by Equifax. I am unsatisfied that Equifax had insufficient security, such that the breach occurred. 

I also think it was unconscionable that Equifax did n't clarify the class action waiver piece earlier. There was a lot of info swirling around social media that checking whether your security was compromised/enrolling in Equifax ID protection required a waiver. It is now addressed on the Equifax site but I think Equifax should have communicated better overall.
My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.
I have incorrect 30 day, 90 and 120 day late payment on my Navient accounts but have documentation showing current and correct payment amount. I have repeatedly asked Navient to fix the incorrect information on XXXX, XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late marks are hurting my credit report and preventing me from getting a mortgage.
PNC bank Harasses me daily XXXX times a day to collect a debt within the 10 day grace period they provide even when told by me the debtor I will pay before end of grace period stop calling me I have new born baby sleeping, I shake with anxiety every time they call. PNC bank makes it near impossible to change owe date to middle of month for I the debtor to be on time while they take extra percentage rate.
Approximately XX/XX/XXXX, I hired a law firm to dispute a fraudulent debt that showed up on my credit report with Dynamic Recovery Solutions in the amount of {$4800.00}. We sent them a fraud packet and advised them the debt was fraudulent. I understand the original debt was from XXXX XXXX and Dynamic was responsible to forward my dispute to them as well. A response to the dispute was never received. I assumed it had been resolved. Later, I realized the debt was still showing up on my credit so I had another dispute sent it again in XX/XX/XXXX/XX/XX/XXXX. When we followed up with Dynamic Recovery they advised the debt had been sold to XXXX XXXX XXXX. This debt should not have been sold because it was identity theft. I contact the number for XXXX XXXX and it appears to be a bogus number. I have attempted to dispute this with the credit bureaus.
Ive submitted a complaint regarding bankruptcy being reported on my report! Instead of following the new law that was placed, they are refusing to remove it! It is not being displayed correctly! XXXX is the ONLY bureau that successfully deleted the bankruptcy. I am going to be forced to take further action if my requests continue to be denied.
Chase Bank hired clearly international call center reps to call me regarding issues with my account. I repeatedly asked to speak with a US native or someone that could verify they were from my bank or country. The representatives repeatedly told me I would receive a call back when I placed my request. I never did. Every call I received was an XXXX sounding individual stating they are from Chase and requesting my social security number. No one in their right mind is giving their social out over the phone to someone from a call center, nonetheless outside of the US.

Given Chase used tactics that any reasonable individual would presume may potentially be fraud renders their " attempts to contact '' null and void. They may save on labor costs by outsourcing to a foreign country, but it undermines the validity of their process. Furthermore, when I requested information to verify they were from Chase, they could not provide any proof. When I asked for a call back from someone in the US or at a bank branch in my city or country, they never did. How would I ever presume there was an actual issue rather than a scam.
Because of my inability to repay my loans, Navient has offered me several Opprutinities of deferment and forbearance, never any income based repayment plan. I was n't until recently that I learned what an IBR was. I believe that Navient and XXXX XXXX purposely offered plans to accumulate more interest for my loan. When offering deferments and forbearances Navient should also proactively offer IBR for borrowers with financial difficulty.
Hello, I would like to dispute a few errors on my credit report. First, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by XXXX XXXX XXXX and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. There can not be a case without a valid signature from certified mail. I have reached out to XXXX to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like XXXX to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. 

Thank you, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.
On XX/XX/2018, i received an unsolicited email from " XXXX '' with the subject XXXX Account Information The body of the email states : Hello XXXX XXXX, If the reader of this message is not XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX, and permanently delete this message and your reply to the extent it includes this message. 

Important account information is now available regarding your XXXX Account. To view your this information, please click here. 


Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX GA XXXX XXXX I assumed it was a phising attempt and moved it to my spam folder. Also, I noted my FIRST name and LAST name were transposed. 

On XX/XX/2018, i received a written letter from Sequium Asset Solutions LLC that states I owed XXXX {$26.00}. I have not had XXXX XXXX   for several months and never received any notice that I had any past due outstanding balance. 

I called XXXX Customer Service at approximately 5:00 pm on XX/XX/2018 who confirmed I had no outstanding debt past due. 

This appears to be a sophisticated phishing scam.
XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.
On XX/XX/19 I submitted a dispute claim with Experian, due to an {$1100.00} electric bill was run up by someone using my SSN, being found to be a fraud account, and removed by XXXX XXXX and XXXX from my credit report. On XX/XX/19, Experian emailed me that the invesigation was finished, and results were available. Experian states that they have more information about the account, and will not remove it from my report with them, even though the collection agency signed off on it. I find this to be reprehensible that a company gets evidence in my favor, yet will not take the same action as the other agencies. I have had nothing but problems with Experian over the last 5 years, plus they want to charge me money to see my credit score, which to me, is throwing salt in an open wound. I am a veteran trying to clear my credit up to use my VA Loan Guaranty to buy a house, and I get abused by this greedy company. I'm tired of these credit companies having too much power, and XXXX on us veterans by artificially keeping our credit scores low.
XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed
I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,
Transunion removed inquiries then reapplied them back to my credit report.I called them about this matter and they said there was n't any record of this in there system, even though they are reporting these 13 inquiries again.The Transunion employee said there was nothing she could do to help me with this matter.So I decided to file a dispute with you hoping you could help me resolve this matter.Thankyou for any help you can provide.
To Whom It Concerns ; Apparently, my original XXXX mortgage loan was sold to Freedom Mortgage.com, some years back. Freedom Mortgage referred me to XXXX, XXXX, who worked with XXXX XXXX for some reason. XXXX XXXX collected my mortgage payments, twice monthly, from my direct deposit, assumingly to pay my mortgage off sooner. It seemed these XXXX organizations had worked together and they knew each other. To confusing for me to understand how the mortgage world works together. XXXX XXXX applied my money to principles supposedly by means of 13 yearly payments. 
I am now informed XXXX, XXXX sold my loan back to Freedom Mortgage Corporation ; I thought they owned the original loan anyway. 
I 've spent the entire day trying to figure out what is going on with my money and loan and where to make my payments. 
For some reason the phone numbers I 've had to contact these entities " XXXX, Freedom Mortgage, & XXXX '' just go back to Freedom Mortgage. The XXXX representatives I spoke to have given me the run around and are insisting I enroll and set up payments. 
That said, further research has taken me to several disturbing websites ; including the XXXX, Consent Order issued by CFPB regarding XXXX XXXX. 
I have discovered a mortgage scam. I 'm quite nervous due to calling Freedom Mortgage for my year-to-date information for XX/XX/XXXX. The automated system declares nothing had been paid, " no interest, principle, insurance, probably taxes. '' An attorney corporation involved " XXXX XXXX XXXX '' and created XXXX bi-weekly program. 
XXXX XXXX has been sued for fraud and unjust enrichment in Federal Court, XXXX, Ohio. Freedom Mortgage gave him mine as well as other victims mortgage information. 
I 'm afraid to pay my mortgage to Freedom Mortgage Corporation ( FMC ) by XXXX XXXX, XXXX, for reasons ; 1 ) The XXXX representatives I spoke to seemed to withhold information to questions I had ; 2 ) today, I received the letter of loan transition from FMC with new loan account number dated XXXX XXXX, XXXX. Though, bottom of page shows Rev : XXXX/XXXX/XXXX. 
I am a single grandmother raising my XXXX year old, with XXXX school left in my XXXX, and am employed. I have never been late or had trouble making any payments regarding anything. Have lived in my small home since XX/XX/XXXX, when I purchased it. 
My feeling is I need a lawyer especially if my money has been deceitfully been misused or stolen for months. 
I hope my crisis is considered important to your organization and will be reviewed promptly. 
Thank you!
Writing in regrads to a debt that was paid to National Credit Systems. on XX/XX/2018 i contacted National Credit Systems Inc and spoke with XXXX XXXX at XXXX a collection representative. we discussed a settlement offer and the payment, the debt was paid and received a letter via email that the debt was satisfied in full with National Credit Systems but yet as of XX/XX/18 my credit report has only been updated to reflect a balance owed of {$950.00}. attached to this complaint will be a letter stating that the debt is satisfied.
The company has sent a judgement to my employer to garnish my wages. Debt is over 6 years old and was sold to this company.
Since XX/XX/XXXX, I have been disputing information about Portfolio Recovery Associates-a debt buyer that bought a debt from XXXX XXXX card I supposedly owe. 
Although I have requested valid documentation ( proof of signature ) that this debt is mine, I have not received this information from them. 
Meanwhile, they have illegally re-aged the account ( which shows to be open in XX/XX/XXXX on credit reports ) to show an open date of XX/XX/XXXX. They also have a payment status reporting to the credit bureaus of " Seriously Past Due-assigned to an attorney '' which is threatening behavior from my standpoint.

XXXX XXXX also has shown Metro 2 non-compliance with having a high balance lower than the owed balance, missing important fields or errors in the fields like the open date, not providing the entire account #, not showing the date of first delinquency and not providing the correct original lender on some credit bureau reports. I have also hired a credit lawyer who is working on this situation, but it seems to stay unresolved even though we've given them opportunity to remove the account from the credit bureaus due to the illegal errors.
My access has been limited to my money market account due to an issue with my wife 's account at Capital One 360. I have contacted the security department to close my account and give me access to tax forms that they have issued electronically. They refuse to do either until they speak to my wife who is not the holder of this account. The are essentially holding my funds and my tax documents hostage.
I called Premier student loan service and spoke to a rep who said that I would pay {$240.00} for XXXX months and then {$100.00} for every month after that for XXXX months then after speaking to him and submitting some information he got back on the phone and said that I would pay XXXX for the XXXX months and now my payment would go up to {$230.00} per month so I need some help in rectifying this problem because I believe that its a scam. The rep also said that he could get my payments for XXXX XXXX XXXX deferred but then said that wasnt possible and I would have to pay XXXX XXXX XXXX and pay him as well and so I believe that this is a scam
I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX/XXXX/XXXX 2.XXXX  XXXX  XXXX   3.XXXX  4.XXXX  5.XXXX/XXXX  XXXX  6.XXXX XXXX XXXX   7.XXXX/XXXX  8.XXXX  XXXX  9.XXXX XXXX XXXX XXXX XXXX
My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?
I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.
I have collection accounts that have incorrect information reporting. I have wrote several letters and I have been unable to get any results.
XXXX and Transunion placed a collections XXXX XXXX on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.
Sterling Info Systems and XXXX XXXX have classified me as a Tier 3 on a non conviction when my employer, XXXX XXXX XXXX paid for my background check. This same issue arose in 2013 when I applied at XXXX XXXX. I later was hired after I disputed the wrongful block and adverse action after being hired prior to XXXX involvement.
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.
Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX
filed po report XXXX police dept # XXXX violates my cra inaccurate information causing my credit situation violent communication from debt collection agencies