WillisBack/dataset-financial-user-claim huggingface dataset:
This private student loan debt account that is reporting on my credit report ( Equifax ) for the amount of {$7000.00} was disputed and removed last year in XX/XX/XXXX. This then and now closed account is reporting different amounts on a monthly basis. If an account is closed how is the balance amount increasing? Last year in XX/XX/XXXX, this account reported the amount of {$7000.00} and in XX/XX/XXXX, this account reported the amount of {$7000.00} owed.This account has also remained on my credit report past 7 years with a date of XX/XX/XXXX being the last date of activity. This account has reappeared on my credit report in XX/XX/XXXX with no notification sent and with no recent account activity with a completely different amount for {$7000.00}. XX/XX/XXXX this account is reporting that I owe XXXX. The inaccuracy and lack of validity of this account is astounding and ridiculous at this point. This information has not been verified and it's apparent with the varying debt amounts. Equifax has violated Section 611 ( a ) ( 5 ) ( b ) of the FCRA. I, as a consumer, have the right to a notification within 5 business days upon reinsertion to the additional information of a previously deleted account. Equifax did not provide that information to me within the time frame of the law. Furthermore, this account is on my Equifax report past the 7 years of the date of last activity. As a consumer I have the right to receive documentation stating and showing when an account will reappear on my credit report. This account has reappeared in an effort to tarnish my credit worthiness with my recent efforts of obtaining credit to purchase a home. No documentation was sent to me that show the validity of this account. I have provided my SSN and State Issued ID has verifying documentation of identity. Equifax can't lie again and say that the identity verifying documentation wasn't provided because I have attached it.
I have had nothing but problems since I opened my loan with Lending Club. THeir payment options are not in the best interest of the customer. To make changes to the date of your loan payment or make your payment early is a trial in futility. 

I personally needed the loan, however I should have not taken it out, as a credit card would have been cheaper for me. They are charging me almost 13 % over the top percentage rate of a standard credit card. 

I struggle every month to pay the loan amount. However they will not renegotiate the interest rate. I initially had requested a loan amount of I believe {$13000.00}, as this would allow me to pay off the loan over a longer period of time. I was denied but offered a loan amount of {$3200.00} with a loan origination fee of {$160.00}. This amount was not disclosed to me till late in the process. 

So did not receive {$3200.00} but {$3000.00}. 

I have made all payment on time as of XXXX/XXXX/XXXX. 

I applied and was approved on XXXX XXXX, XXXX and funds were deposited into my account on XXXX/XXXX/XXXX. Interest rate is 31.89 % and annual percentage rate is 35.96 % APR. 

They record my calls and I hope you can gain access to them they are not polite and there is much frustration in my voice when I talk to these people. As their phone numbers are not readily available to the public, and you have to search through XXXX to find their number. They want everything done via email. NOT GOING TO HAPPEN. 

I also question their XXXX XXXX amount of XXXX.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent application submitted with his information without his consent. That application resulted in an inquiry into his XXXX  credit report XX/XX/XXXX that he did not authorize. A formal dispute of this was mailed to TD bank XX/XX/XXXX however as of this date TD bank has failed to report the status of the dispute/investigation results to either this office or our client.
I took out a parent loan to assist in putting my son through college. This loan is ridiculous. The interest rate keeps going up, it is now 8 %. I originally borrowed {$12000.00} at the end of the loan period on XXXX/XXXX/XXXX I will have paid back {$34000.00}!! My monthly payment is XXXX and I always pay {$150.00}, this is getting me nowhere. I am hoping there is some way for you to help me. At this rate I will be in debt with this company until after I retire or later if the interest rate continues to climb. Please help or give me advice as to what to do. Everyone I have contacted says they ca n't help because it is a parent loan and not a student loan. I thank you in advance for any help you can give me!
experian still does not issue my credit report/score and I am unable to refinance my home. 
no explanation given to me. only that " information not available ''
Cit Bank Mortgage # XXXX The above loan was modified as of XX/XX/2017. My problem is the trial payments of {$2100.00} XXXX I paid from XX/XX/2017 to XX/XX/2017 was not properly allocated in to my account. When ever I calls they are giving me a run around and not properly giving the correct explanations. 

We want help in this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York! XXXX. 

Tele # XXXX XXXX XXXX
Nelson, Cruz & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX sends repeated statements for money due, threatens suit several times, claims payment made on debt and debt is still collectable even though debt is from XX/XX/XXXX. Stated would send documentation by email re debt but instead got another demand letter. XXXX associate claimed debt was from XX/XX/XXXX and they will immediately file suit. XXXX associate at company stated debt is not time barred for a payment was made which is false.
Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT
This is my second complaint against Bank of America for NOT reporting my Mortgage Payments to all XXXX Credit Bureaus. The first complaint Case No. XXXX was closed out an error by CFPB. XXXX XXXX/Resolution Specialist with Bank of American requested more time to respond to CFPB. However, XXXX XXXX failed to responded back to ANY of my inquires regarding an update as to why my Mortgage Payments were NOT present on my Credit Report. I made several attempts to reach XXXX XXXX with Bank of American and received complete SILENCE ... NO RESPONSE back to my many inquiries regarding this matter. 
On XX/XX/XXXX, I contacted Bank of America and was transferred to several individuals. I asked to be connected to XXXX XXXX Supervisor and I was told by that party that they did not have his Supervisor 's contact information, so she transferred me to a lady by the name of XXXX in the Bankruptcy Department. I was informed by XXXX that Bank of America has been reporting my ACTIVE MORTGAGE since XX/XX/XXXX to all XXXX Credit Bureaus but that it is the CREDIT BUREAUS POLICY ; XXXX, XXXX, XXXX AND XXXX XXXX POLICIES NOT TO REPORT ANY MORTGAGE PAYMENTS THAT WERE INVOLVED IN A BANKRUPTCY, THUS VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS. AND HAS FAR REACHING RAMIFICATIONS TO ALL CONSUMERS WHO WERE IMPACTED BY THE XX/XX/XXXX MELTDOWN AND WERE ABLE TO SURVIVE AND HOLD ON TO THEIR ASSET! 
This unlawful act in my opinion is in COMPLETE VIOLATION OF THE FEDERAL FAIR CREDIT REPORTING ACT.
I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me.
I n  XX/XX/XXXX  the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XX/XX/XXXX  and in  XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XX/XX/XXXX  the debt was sold to  XXXX   XXXX   XXXX  and when I learned about this, I contacted HSBC to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.
XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX
Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.
We received a notice in the mail regarding foreclosure to our home. We have Nationstar the worst mortgage company I 've ever dealt with. We would have been current on our payment, however they sent back {$3000.00} in payments since XXXX. No letter, no notice until we received something from their attorney. We had paid {$1500.00} in XXXX and with these last few payments we would have been current. However, more legal fees added and " property inspections '' they expect us to pay {$6300.00} for a " reinstatement fee ''. We could use your help please. We were not trying to default and they have put us in this position. Our home is well taken care of and we want to stay.
I had a substantial loss of income and my current monthly expenses increased, exponentially. As a result of this, I fell behind on my mortgage and it became a snowball effect that I could not manage nor control. I have since then reassessed my financial situation and want to short sale my home to avoid even further financial disaster. My local congressman, XXXX XXXX, stated that I have a right to short sale my home to avoid foreclosure. My real estate agent, XXXX XXXX, has been working around the clock to find a satisfactory offer and will be submitting it to XXXX XXXX, today. I am hoping that with the assistance of this formal civil complaint, that I can have the short sale reviewed by someone in the XXXX of the XXXX at XXXX XXXX. I am a XXXX  citizen, over XXXX years of age, and I believe that to a degree, this is elderly abuse. I have tried to modify with XXXX XXXX for the past 5 years of my life but was asked over and over for the same documents and was passed from negotiator to negotiator, making no clear headway, ever. There is a sale date slated for XXXX XXXX, XXXX, which I would like postponed while my short sale offer is reviewed by XXXX XXXX.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
IN XX/XX/2015 I HAD A STORAGE UNIT WITH XXXX XXXX XXXX AND IT WAS SOLD AND AUCTION OFF DUE TO LOST OF EMPLOYMENT THEREFORE RESULTING THE UNPAID BILL TO BE SOLD AND SENT TO COLLECTION AGENCY PROFESSIONAL DEBT MEDIATION INC. IN XX/XX/2015 FOR THE AMOUNT OWED {$420.00} HOWEVER BEFORE THE AUCTION A LETTER WAS SUPPOSE TO HAVE BEEN SENT TO ME SAYING THAT THE AMOUNT OWED WAS {$590.00} AND THAT THE UNIT WAS SOLD FOR {$350.00} THEREFORE I DO NOT OWE THE AMOUNT SENT TO THE COLLECTION AGENCY DOCUMENTS HAVE BEEN ATTACHED TO REFLECT THE AMOUNT THAT WAS SAID TO BE OWED I NEED THE CORRECT AMOUNT TO REFLECT ALL THREE OF CREDIT FILES OR PROVIDE HOW THE AMOUNT WAS CALCULATED OR REMOVE THE TRADE LINE FROM ALL THREE CREDIT BUREAU. PLEASE SEE ATTACHMENTS I HAVE REACHED OUT TO PROFESSIONAL DEBT MEDICATION MANY MANY TIMES TO RESOLVE THIS MATTER AS WELL AS ORIGINAL DEBTOR WITH NO REAL SOLUTION PREVIOUS GIVEN SOMEONE ELSE PERSONAL INFORMATION FROM PROFESSIONAL DEBT MEDIATION WITH NO TYPE OF APOLOGY FROM THE COLLECTION AGENCY AND THE INFORMATION WAS SENT TO ME BY CEO OF THIS COLLECTION AGENCY THEY ARE NOT PROFESSIONAL IN TAKING CARE OF CONSUMER MATTER.
Balance is {$800.00} from pro collector and original credit name is XXXX XXXX XXXX
i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice
Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.
Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.
Please pull the phone records for a conversation that took place approximately   XXXX   XXXX   XXXX   between myself and a   XXXX    customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that   XXXX   starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the  XXXX  customer service agent on approximately   XXXX   XXXX   XXXX    I w aited another 3 months in " grace period '' and it goes by and all of the sudden   XXXX   XXXX    notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with  XXXX , and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with  XXXX ! 45 late payments is malicious and has indescribably made my life a living  XXXX . I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the 590 's solely due to   XXXX   XXXX   customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with  XXXX  3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired   XXXX   XXXX   which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all   XXXX    reporting agencies against these  XXXX  false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my   XXXX    student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.
Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.
On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.
XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.