WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed incorrect information for a student loan on my Equifax report several times including over the phone, and they refuse to remove the incorrect information which is causing an issue with my score increases. I have a student loan that was initially serviced by XXXX XXXX for many years. About a year and a half ago I believe it was transferred to XXXX for servicing. I was told that XXXX no longer services student loans. However, when disputed Equifax continues to refuse to remove this item from my credit report. All others have removed the XXXX, but for some reason Equifax will not. While I explained to them the amounts differ slightly because of the interest it's clear to see they are all four the same. There are two for XXXX XXXX and two for XXXX. XXXX balances are {$9900.00} and {$7100.00}. XXXX balances are {$9400.00} and {$6900.00}. Please assist me with the removal of the XXXX XXXX balances from my Equifax report. I do not have access to the XXXX   report, if it is there please remove as well. I don't really understand how they can explain the continued reporting of this debt when it is no longer being serviced by that particular provider. Thank you for whatever it is you may do to assist.
I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.
I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!
Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.
Problem # 1 XXXX, I received a letter from Carrington stating that my account was placed into a suspense account. I had spoken to XXXX reps from Carrington asking them what and why it was. They both replied that they had no idea because records showed I was on time on all of my mortgage payments. On my third call and after receiving another letter, I spoke to a rep who found out within a minute. She said I was short on my payment because of an escrow change. I told her that it was unfair that now I was charged a late fee for every month, but I paid the charges anyways that same day to clear this up. She told me I had to write a letter to Carrington Research to recoup any late fees I was unfairly charged. I faxed them the attached letter. They refused citing no valid reason. I tried to refinance, but it showed that I was late on my payments numerous times? Refinancing is impossible now because of the negative/late flags on my account. Problem # 2 In my XX/XX/XXXX statement there is a late charge of {$20.00}. I spoke to a rep in XX/XX/XXXX who told me it was a `` drive by inspection fee '' charged because they wanted to make sure I lived at my property. The rep said she was unable to give me any answers to any question, and that if I wanted any info that I was to write another letter and send it to their Research department? Again?
This is the second complaint that I have filed against American Education Services, previous file number is XXXX AES responded to my complaint after they had reviewed my files. In the reponse they stated that a letter was uploaded with the details and there is no letter on file and or I have not received any correspondence via mail. AES had also stated that I had contacted them in XX/XX/XXXX to request a forebearance, which I did not because I was not made aware that XXXX XXXX was now servicing my loan as I thought it was being serviced by XXXX XXXX XXXX, the company that I thought I had consolidated with. I was not made aware of the " fraudulent '' activity until XXXX XXXX XXXX. Per AES 's instructions, I have attempted numerous to access my acccount online with my social security number and I get error messages and or there is n't an account. AES also stated that they supplied the account number in the response to the first complaint, which they did not. AES also stated that my loan was consolidated in 2014 with XXXX XXXX, my credit report states that it was transfered. That was when I consolidated with the XXXX XXXX XXXX XXXX and I was not notified by either AES for XXXX XXXX that my loans were transferred. I am currently working with the Attorney General 's Office in trying to sort all of this out, as the consumer federal portection bureau was not able to contact me in regards to the fraudulent activity by XXXX. It would be helpful if there is a contact person at XXXX XXXX that I could speak to in an attempt to get access to my account. I have attached the documents in reference to XXXX and the suit that was filed by CFPB. I am requesting a good will adjustment to my credit files as I am trying to rebuild.
On XX/XX/2018 I called XXXX XXXX customer service line to have my balance and close my account because I was transferring my balances to my XXXX XXXX. The Customer service representative gave me the amount of {$610.00} and told me that if they were any over payment they will send me a check. On XX/XX/2018 I paid the balance that I was informed {$610.00}. On XX/XX/2018 XXXX XXXX submitted a check of XXXX for the over payment ( I attached a picture of the check to this reclamation ). Recently I received a call that I owe money to the credit card company. I explained to over 5 different representatives my situation and they were very rude and didn't want to deal with the situation. Now they informed the credit bureau as they say I am delinquent. This situation is turning very stressful as they are affecting my credit and don't want to even check the proof that I have.
I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption.
Experian has discriminated against me by listing items on my credit report that occurred because I was emitted in a XXXX as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
IC systesm- has listed an collection account on my XXXX XXXX XXXX profile. I have disputed this information yet dates keep changing and amount is not able to be verified. I did not owe XXXX any money at the time I stopped my services with them. I did not have a contract and did not request a contract. 

This same account is with another collection account I have submitted a complaint with XXXX ( complaint # XXXX ) & XXXX ( # XXXX )
We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone.
Today I called in to simply close my citi credit card account ( which has been paid off and now with XXXX balance since weeks ago ), but instead I had to spend XXXX mins on the phone with XXXX agents. The XXXX agent asked me a set of questions, and then she insisted to transfer me to the other agent. The XXXX agent ( Name : XXXX, agent id : XXXX ) asked me the same set of questions again plus a few more questions, but he refused to listen to my request ( ie. close my account ), and he stated citi ca n't close my account unless I cooperate with him to answer all the questions he asked and in the exact format he needed including some personal questions about my business. When I said I was not comfortable sharing that info and hoped he could record my answer to that question as " N/A '' and then move on to help close my account, he refused to proceed with my request and accused me for not understanding his job. He said " You ca n't see the screen in front of me, so do n't assume I can just put a N/A for this question. You must answer " yes '' or " no '' otherwise I ca n't close your account ''. I ended up begging him to close my account, but still have no clue if my account is closed or not. 
Also I shared with him I only have XXXX mins for this phone call before my business meeting at XXXX EST, and appreciate if he could help close my account in XXXX mins. Obviously the call lasted way more than XXXX mins, and for the most part of this phone call was just him repeatedly saying non-sense things, such as how much I do n't understand his job and the reasons why he needed to explain to me again and again about the AA points which I already clearly shared with him there was no concern from my side. 
Also citi changed my credit card card number without notifying me or any sort of communication. So I still do n't know the current card number on citi 's side. What I have are the XXXX cards I received from citi ( XXXX before the fraud and XXXX after the fraud ), and they are XXXX and XXXX hope these are helpful to link my case to my account. 
Finally I hope citi recorded this phone call, and people will know how ridiculous this XXXX guy was. This phone call was almost funny, if you consider how much he refused to listen to the customer and how much he was soaked in his world about the exact format of answers he required. Citi should share this phone call publicly, and it will be a great XXXX hit.
I am being forced to have force placed home owner insurance by green tree servicing LLC , for the past several moths .when my wife and I have along with my insurance company have proven and had them acknowledge the fact that we have had it ever since we open the loan seven years ago. Due to there forced insurance my monthly mortgage is$XXXX .without their insurance my mortgage would be $XXXX a month.that $XXXX. Difference could be used else where.
This is the letter I sent to Costco : I am a happy, loyal Costco member. At least I have been until now. I have always had my credit card set up to pay my balance automatically in full each month. With the transition to Citi, I got my first bill and I was charged {$36.00} in interest. When I called they explained that the balance " did n't transfer properly. '' They agreed to credit my account for the {$36.00}, but advised me to pay it since the credit would n't appear until my next statement. Except for the waste of my time, that 's all fine. 

But I do n't believe the explanation. Many smart people worked on that transition for a long time. If your members were charged interest they did n't owe, I suspect it is because Citi saw the transition as a way to steal a lot of money. Many customers will notice the improper charge and complain, and Citi will give them a credit. But many customers will not notice or will not follow up, and Citi will charge them the interest, and interest on the interest. This is the way Citi does business. It is not at all surprising. Someone probably got a big bonus for thinking of it. 

What is surprising, at least in my experience, is that this is not the way Costco does business. So my question is : What are you going to do about it? 
This is their response : We apologize for any frustration this may have caused. We thank you for sharing your comments and concerns with us regarding our transition to XXXX. Please be assured that our transition to XXXX is part of our continuing commitment to provide our members with the best value possible. 

Your feedback is important to us. We will forward your concerns to the appropriate department for review.
We terminated our Rental agreement with XXXX since the Apartment complex did not providet us with safety and security. We have complained several times that the Gates could entered by any car even without barcode sticker, only by folowing the front car, since it took a long time to close after a automobile entered, some times the gate was defect and did not closed at all. After we were robbed our Sportbikes, chained on iron bars inside the hallway and strange people they did not live in the apartments, we took action and cancelled our Rental contract. The charged us with a penalty of two month Rent for early termination. 
Our complaint and witness from a Police Report XXXX, was totaly ignored by the Management from XXXX. 
A involvement from our Lawyer was never answered. 
To have our peace we paid one month aditional rent and afterwards received notice from a collection company to pay {$1900.00}. 
After we moved out in XX/XX/2013 I hat to pick up some stuff left on the patio we noticed that the Apartment was already rented to an client. Also we found out that the gate system was not changed and many car drove to the gate without barcode sticker. 
From other government offices we were informed that it was correct to terminate the Rental agreement. 
The Police Report is still available.
Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.
I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.
I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
I have the same error on my XXXX credit report, and my XXXX   credit report. Equifax won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and XXXX state that this account has been opened on XX/XX/2017.
Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED
Bank of America has charged me numerous XXXX fees due to my account being overdrawn. I was never alerted about the overdraft even though I have signed up for text and email alerts concerning my account.
Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.
PORTFOLIO RECOVERY ASSOCIATES -- Opened XX/XX/XXXX ( 4 yrs, 5 mos )  Account status -- Open Responsibility - Individual Original Creditor Name -- XXXX XXXX XXXX XXXX XXXX Balance - {$3700.00} This card was a SECURED credit card with XXXX/XXXX XXXX. I have tried repeatedly to obtain information on this account from PRA and have received none of the information requested. This account was requested to be closed on XX/XX/XXXX and was never used after that date, no payment was made after that date.