WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is reporting derogatory information on my credit report and when I have disputed it, it does not get investigated or removed. Approximately, 90 days ago Equifax reported a bankruptcy on my credit report. I contacted Equifax via mail and also, sent via certified mail request for deletion and method of verification for said entry. Equifax did not respond. I called Equifax customer serivce and was informed that it would be investigated, where I also requested a method of verification and 90 days later Equifax has not provided me with a method of verification. As recently as XX/XX/XXXX I pulled a copy of my Equifax credit report and noticed that the bankruptcy is still being reported. I contacted Equifax on XX/XX/XXXX to inqire about a new copy of my credit that I pulled and was able to see that they had reported a bankruptcy on there that the date reported was XX/XX/XXXX. I asked the representative how it was possible for them to report a bankruptcy on my credit report for a date that has n't happened in the future and then the representative began to toy with me. The rep started asking questions as to how you see this information? I then informed the rep that I have daily access to my credit report that I pay a monthly service fee for directly through Equifax and that is how I was able to attain the report. He continue to laugh and asked repeatedly what do you see and how do you see it. After several attempts to undermine me I asked to speak to a supervisor, however, instead of transferring me to a supervisor he kept questioning and taunting me on how I was able to acquire a copy of my credit report. After several attempts to try to speak with a supervisor and me informing the rep that I no longer wish to speak with him because he was playing games with me and toying with me and that this is my life and not a game while he continued to ask sooooo how did you come across this information and I then asked him whether or not English was indeed his first language where he stated yes, that if it were XXXX I would gladly speak with him in another language if necessary. He kept on laughing. I asked then if the cal, l was being recorded he stated yes and it was only then that he asked me if I had a confirmation number which I gave but still would not transfer me to a supervisor. He claimed that they verify their information from XXXX but when I asked how that was possible when my information with them is supressed he stated well we have it. I aslo informed him according to their ( Equifax 's ) over reporting when I pulled my report it shows that they had not verify said information. After several attempts and letters under FCRA Equifax has not updated or corrected my credit report or attempted to do so. I 've also contacted Equifax about multiple inquiries on my credit report I did not authorze and they would not remove it. When I 've contacted the companies they tell me I need to call Equifax and when I call Equifax, Equifax tells me to call the companies. XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX.

I challenge the accuracy, compliance and reportability of these listings.

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.
My wife used our personal credit card ending in XXXX to pay a merchant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, for services for a new business that she started. 

Once the business was established she requested the merchant to stop the services. 

The merchant has continued to bill my personal card despite our objections. 

We called Chase Bank to dispute the transactions, but they declined our dispute on XX/XX/2018. I called Chase on XX/XX/2018 to close my credit card account, but Chase rep advised me to request a change to the account number instead. However, the same merchant managed to bill my credit card once again. 

I called Chase once again, but they are unable to STOP any future charges from this merchant even when they are no longer authorized to do so. The merchant is not listening and continues to charge my card and Chase Bank is unwilling or unable to help. And they have stated that I will continue to be charged even after I close my account. 

At this time, I am at my wits end. Please help XXXX XXXX XXXX
I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
On XX/XX/18 I went to " XXXX XXXX XXXX '' to purchase groceries. I had over {$1000.00} in my checking account but I was denied purchase stating that my card was rejected. I inputted my password at least four times but to no avail. It was the third time I had been rejected in the last three months : XXXX, XXXX & XX/XX/2018. I believe they are holding my money to meet their threshold or quota for the month or quarter. I called them each time and I couldn't get a straight answer, their responses rooted in perpetual lies. I look forward to having this issue resolved and not be humiliated holding up long lines of angry shoppers waiting.
XXXX/XXXX/16 I received a western union transfer from XXXX XXXX NV and tried to transfer the cash to the XXXX prepaid card I had for this type of transaction. I received a notification that the money had been credited to the card but XXXX seconds later western union voided it off the card. I have spent the last 3 weeks trying to get someone from either company to help me. Both companies blame the other. XXXX says they received the money but western union voided it and western union says they sent the money to the card. But I have still no access to it. I have all copies of transaction and even the Representatives from each company claim they can see the issue on the computer system but have to escalate the issue to a higher department each time promising me a call back with in 24-48 hours and I call back 3 days later only to have to start all over and nothing has been escalated at all. I have spent hours calling each corporation and being transferred and told at the end they ca n't help me until it is sent to a mysterious department that I can not speak to directly. The way they have the system set up both companies have to be on a conference call both looking at there seperate screens to see that the money is lost in cyperland. So to be clear I was wired XXXX to western union and when I tried to transfer the money to my wunetspend card it was credited and than voided within XXXX seconds by western union. And since it sells itself as one company it is really 2 companies with different systems and service reps and instead of getting to the bottom of the problem I have been told ot was the other companies fault not theres and I need to contact the other company. But when I do get someone to conference call the other company I am told that they can see i have not received the funds because of some glitch in the system but still can not resolve the issue without contacting another department that I can not talk to nor when I call back that it has been sent to it.
AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
To whom it may concern : My name is XXXX XXXX and my social security number is XXXX. 
My wallet were missing for sometimes. I had to go through a lot to get me and my XXXX granddaughters back our identity. It 's been awhile now but I had already gotten everything back then XXXX months later I received my wallet while we were in the XXXX. We have been in the XXXX system from XX/XX/XXXX to XX/XX/XXXX 
While I were in XXXX I had payed a lot of my bills off of my credit. Whe we came to XXXX XX/XX/XXXX my credit were okay. Now I 'm just getting an copy of my credit report and I see that I have other charges on my account like XXXX XXXX XXXX this account is played in full if this is from my landlord. I have stated to them to clean this account If you could please get him to send/ fax you something in writing that this account is played in full and remove it off of my credit report. 
2. XXXX XXXX XXXX XXXX - I have never ever applied for an XXXX credit card. I know this one is a lie. The account were opened in XX/XX/XXXX. 
I were working and living in XXXX. So I know that it were not me. This charge is really wrong. 
3.XXXX.opened on XX/XX/XXXX. For {$100.00} dollars. This were not me cause I were still living in the shelter and working XXXX days a week.please help me clear the matters on my credit report.
I filed Chapter XXXX BK in XXXX. I made XXXX years of payments and my bk was discharged in XXXX XXXX. Chase decided to report to the credit bureaus that I was in a Payment Plan in XXXX XXXX when the debt was included in the BK and the home was sold in XXXX. This has negatively impacted my credit score as this now reflects my last delinquency is since XXXX XXXX which is wrong.
We signed a contract to purchase a bank owned property or short sale. Property address : XXXX XXXX XXXX, XXXX, CT XXXX. Contract was signed XXXX/XXXX/16 and XXXX/XXXX/16. Repeated communications in regards to moving forward. On XXXX XXXX we were advised that it was assigned to a rep at McCue mortgage and we would hear something soon. On XXXX XXXX after we inquired we were told that additional documentation was requested by the seller the week before and the seller was obtaining information. We were advised we would hear something back by XXXX XXXX. On today 's date ( XX/XX/XXXX ) we were advised by the short sale negotiator that McCue is VERY slow and they are likely another couple of months from an approval. They have not finished financial review yet, based on the financials they have asked the seller for. They have not ordered and appraisal or title report yet. Short sale negotiator states that they have had at least XXXX files with McCue in the last year and they are taking way longer than most other lenders. We are desperate. We will not have a home XX/XX/XXXX. We need to know if we will be able to purchase this home by then. We have XXXX children and need an answer as soon as possible.
I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down
i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.
Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX
I have been scammed. I am a college graduate looking for a new job on the job search engine named XXXX. 
I received an email confirming to a position I applied for as an XXXX XXXX. 
I, at the time did not look far into it. I was told that my job would consist of XXXX XXXX. Within a couple of days, I received a check under my name with the instructions to deposit and let the employer know when the funds would be available. The first check, was made to be of {$3800.00}. I deposited it on Chase 's ATM inside the bank on XX/XX/2018. The funds on the receipt stated it was going to be available on XX/XX/2018. When XX/XX/2018 came, the funds were available to use. I told my " employer '' that the funds were available. The first transaction I did, was a XXXX to XXXX transfer to another individual of {$2500.00}. The second transaction was XXXX Gift Cards ( fifteen ) the amount of each {$100.00} which came out to be {$1500.00} in total. 

On XX/XX/2018 my " employer '' says that I would be receiving {$4800.00}. When I deposited the check it said that the funds would be available on XX/XX/2018. On XX/XX/2018. I received an alert on the chase bank app. When I called Chase tells me that my account has been put under restriction due to the check of {$4800.00} being a fraud. Chase customer service explains that it would be sent back to the bank/ account where it came from. I asked why was the second check alerted and not the first one and they had no concrete answer. I asked what will happen once the checks are returned and Chase mentioned that I will have to repay what I used which was the first check that was available on the XX/XX/XXXX. I must have called Chase bank more than three times and there was no help or sympathy towards the situation all they kept mentioning was that after both checks were returned I had 7-10 days to return the money or else my account will be closed.

I would like you ( whoever is reading ) to keep in mind that I have denied permission for Chase to front any transactions if the funds are not already available.
This company Convergent is trying to extort monies from me! 
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,. 
4 ) this is extortion
I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.
In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX XXXX XXXX Thanks
A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to XXXX and Equifax ... XXXX  and Equifax still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...