WillisBack/dataset-financial-user-claim huggingface dataset:
We had a tax lien on our report from XXXX. In XXXX of XXXX the lien was paid. The lien was not released until XXXX of XXXX. Please see attached documents that show paid and release dates. It also mentions cancelled from record. These have already been removed from all three bureaus, this is still showing up on my XXXX and Transunion. Thank you in advance for your assistance.
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this offer.
I have credit inquiries on my Transunion report that were previously removed and now have reappeared. I would like them to be removed permanently as soon as possible.
Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
I was trying to do a refinance using the HARP program and first I was denied and I asked them why, and they had no reason. So the agent sent it back and asked for underwriting to look at it again. After 3 weeks I received a call saying that I did not qualify because of loss mitigation. I was informed that they had a program that I fit perfectly for, and they would give me the same rate. When asked how I qualified for one yet not the other I did not get an answer. So I asked them to send in writing why I was denied.
My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you.
I applied online for a credit card in XX/XX/XXXX from XXXX XXXX. When I submitted the application online, the immediate response was that they could not complete the application and that I needed to call a toll-free number to complete the application. I never did. I subsequently received two letters in the mail asking me to call the bank to complete the application, which I ignored because I no longer wanted the card. In XX/XX/XXXX, I received a credit card in the mail, which surprised me because I had never completed the application. But I figured I could use the bonus air miles they were offering, so I called to activate the card. I tried to use the card but it didnt work, so I called back right away and was told that there was a block on the card because I owed late fees on the annual fee that accrued when I opened the account in XX/XX/XXXX ( which I had never done I started the application online in XX/XX/XXXX but never completed the application by calling the bank ). I have talked to XXXX XXXX and they insist that I opened the account in XX/XX/XXXX, which I clearly didnt do. I closed the account but am now faced with damage to my credit score as a result, and Synchrony is being cagey about whether they will waive the annual fee. Also, they never even sent me a bill for this annual fee plus late fee, so if I hadnt called them, I never would have known and my credit would have been trashed, not to mention the debt collectors that could have eventually come my way ... I would like Synchrony to alert the credit bureaus that they opened my account in error ( technically, it was fraudulent they denied my application then opened the account without telling me! ) so that it doesnt damage my credit, and also I need them to get rid of these bogus fees ( annual and late fees ) theyre trying to claim I owe.
I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..
I am trying to get PMI removed. I have emailed ( 3 times ) and written the loan servicer as is required. I have yet to receive a response. It has been 2 months.
Nationstar LN XXXX XXXX Palm XXXX XXXX XXXX, CA XXXX XXXX XXXX Nationstar and XXXX continue to use horrible pictures ( professional pictures were given to both Nationstar and their surrogate XXXX ) show open toilets. Nationstar and XXXX refuse to use the pictures they demanded that we provide. Instead, they are using photos that appear to have been taken by someone who was drunk. 

The property includes a solar lease that must be transferred to any buyer that wins a bid on this property. Nationstar and XXXX have been told this multiple times and have been sent a copy of the solar lease and REFUSE TO DISCLOSE THIS to potential bidders. 

This is the third time that Nationstar has run this through their fake auction system in a vain attempt to secure a XXXX % buyer 's premium. They want a buyer to pay $ XXXX. There has not been a comparable home that has sold for that price in the last 8 years. 

Nationstar is refusing to provide a copy of the BPO that supposedly supports their opening auction price. We have been told that their value changes on a daily basis, which makes us wonder they are getting this value. Even XXXX shows this home is only worth $ XXXX.
Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. 
Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. 
I've tried contacting them by calling, email, XXXX and XXXX. 
This needs to be a class action suit!
I sent a dispute letter to Synchrony Bank on XX/XX/XXXX regarding a XXXX 's credit card account that they are reporting incorrect information on. By law, they have to respond in 30 days or delete the item in question off of my credit report. They did not respond. I called on XXXX XXXX and requested that they delete the item but they refused. They said they never received my first letter and I would have to mail another one. Every time I call I am told that Synchrony Bank no longer handles XXXX 's accounts as of XXXX so they do not have any information on me and can not help me. I have to argue with them for 10-15 minutes and remind them that they are the ones reporting all of this incorrect information to the credit bureaus and then all of a sudden all of my information magically appears in their system. They can not provide me any details about my account, they say they do not have any information other than showing a past due balance from XXXX. I paid that balance in XXXX ( {$620.00} ) so this account needs to be deleted from all three credit bureaus.
I have had numerous issues with Freedom Mortgage making escrow payments on time and accurately. Here are the most recent issues : XX/XX/XXXX- I called Freedom Mortgage and asked that they pay my property tax prior to the due date of XX/XX/XXXX so that I could avoid additional federal taxes. They paid the property tax on XX/XX/XXXX. Freedom did compensate me {$300.00} for this error.

XX/XX/XXXX - My insurance broker contacted me to say that Freedom had not paid my property insurance and they were concerned that I would lose coverage. I contacted Freedom and they stated that they never received a bill. We created a three way phone call with Freedom, my insurance broker and myself. The insurance company verified that they had the correct mailing address for Freedom and that they had mailed the invoice. I have had 5 mortgage companies and one insurance company over the life of this loan. Freedom is the only company that has not received insurance mailings.

XX/XX/XXXX - My insurance broker contacted me to let me know that Freedom had shorted my flood insurance payment by {$170.00}. This error leaves the property in jeopardy of not having flood insurance for a period of 30 days. Freedom stated that the lesser amount that they paid is what was entered into their system.

As a result of this pattern of errors and issues, I requested that I take over all escrow payments and the Freedom transfer all escrow funds to me. Here is Freedom 's response : XX/XX/XXXX - Operator XXXX - The insurance department does not accept emails, you will need to address this issue with customer care. 
XX/XX/XXXX - Customer Care Rep - Please email your request to customercare@freedommortgage.com. I sent my request to that address. 
XX/XX/XXXX - Operator XXXX - We do not respond to emails. Your request will be responded to via USPS within 30 days. 

In addition to the above concerns about lack of timely and accurate payments, it is clear that Freedom 's communications process is designed to obstruct consumer feedback and communication.
I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the disputed issue.
XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Ref complaint # XXXX I asked for further information as to how the interest was being allocated and have not heard back, it has been apx 4 weeks. I have continued to pay interest only for over 4 years, yet still pay more each year in interest and want to see how this is determined, where it goes and some type of balance as far as interest. I paid over 6000 in interest this year ... which is more than last. I would think each year the interest would be decreasing but it is increasing which does not make sense. I want to see where all my money is going, interest included. The forms I was given only shows principal not any interest. How much interest could I possible owe!? At this rate I could have paid for 3 homes!
On XX/XX/XXXX an agreement was made between Kohl 's and myself to settle the account. While the agreement was made, on a recorded line, the associate inform that they would be reporting to the credit bureaus IMMEDIATELY. That was a lie. After about a week or so, I called to find out what was going on. The new story, also on a recorded line, was that they report at the end of the month. After being upset with associate, I was transfer to a supervisor, also on a recorded line, that it would be report on XX/XX/XXXX. That was a lie. After that conversation on the same day, I call XXXX and place a 3 way conversation with myself, Kohl 's and XXXX. Kohl 's wanted the credit report to say I still owed them {$280.00} even a settled amount was agreed to. XXXX immediately corrected the info to reflect a settled account {$0.00} owed. Unfortunately, XXXX and XXXX  would not call them to fix the issue. I filed a dispute with both to get this corrected on XX/XX/XXXX. Kohl 's eventually did report to both XXXX and XXXX stated closed/charge off account with an outstanding balance of {$280.00}. This took placeXX/XX/XXXX. I called Kohl 's back, again on a recorded conversation, only to be told a brand new story. I asked them what my balance is and how do I owe them. There response was that a settlement was accepted on XX/XX/XXXX and I owe them {$0.00}. My next question was, " Why did report to the credit bureau 's that this a charge off with an outstanding balance of {$280.00}? ". This when the new story came out. The first version was that there is an outstanding balance that is how it would report. Then the story changed to " that they report settlements at the end of the month. '' If that was true, they would of reported that at the end of XXXX. Again, every conversation was recorded by Kohl 's. To make it clear as possible, I am a XXXX Vet trying to purchase a home. I reached out to Kohl 's to settle this. Several years back when I had outstanding credit. I was forced out of my job and my credit went to the tank. I have fixed it all. Yet Kohl 's wants to play games with my lively hood and family. I am a XXXX Vet trying make things right and get a home for my family. They should be held accountable for there actions.
When Equifax had its data breach, I read about it and following their instructions, I put a security freeze in addition to an anti-theft program on my credit immediately. At that time my credit rating was around XXXX. 
Two weeks ago I was denied credit for a {$50.00} a month internet service!!!! I tried to correct this by phone with Equifax who would not help me at all, I have requested my report by mail but still do not have it. I received on XX/XX/XXXX, a written denial from the Internet provider and they report my credit score at XXXX. 
NOTHING HAS CHANGED since I put on the freeze.. I am flabbergasted that they can do this to my credit rating - all because Equifax negligently leaked my private information and I used the tools Equifax suggested to protect my identity and assets.
XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Equifax recently put 2 false items on my credit report. Every time I try to resolve I get booted off, they tell me my info doesn't match or they tell me the site is down. First they put on a XXXX account that does not belong to me. The owner is listed as undesignated but they still put it on my credit with no proof it belongs to me. This is not my account. Next they put in an account I had 17 years ago XXXX/XXXX XXXX that was closed all those years ago and my report says I reopened it with a lost/ stolen card report on XX/XX/2018. I did not report this, this is obviously an attempt to ruin my credit. Both of these bills have very little information and I was unable to buy a car after having almost 700 credit from all 3 reporting agencies. They also have me listed at an address last year in Illinois where I have never gone anywhere near. They gave a false report to XXXX XXXX that I had serious delinquency which was false. I have never been late on my 2 credit cards and have good credit with my bank card and business bank card. This is complete fraud that I've worked so hard for years to clean up my credit and it is being attacked. Please help me
Equifax is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Had damage to my auto, and filed a claim with XXXX in which XXXX charged me XXXX deductibles {$500.00} each. Cancelled my auto policy with XXXX, and there was a {$19.00} cancellation fee assessed. Insured made payment arrangements with XXXX due to the fact that I needed my auto fixed where I had to pay {$1000.00}. Insured paid this account in full, and I do not know why Credit Collection Services ( CCS ) has sent me a notice for this payment. XXXX assumes CCS has placed this bogus collection notice on my credit reports and is demanding immediate deletion.
In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.
This morning my wife received an unknown call from XXXX. She ignored it but then received a call from her brother. Her brother stated that a student debt collection agency had called him and his wife ( my wife 's sister-in-law ) from the same number she had ignored. This happened within a two minute period. They were all trying to get a hold of me and stated that it was an urgent matter and needed to get a hold of me right away. 

I called the number back on my phone. They stated that I had given them all three of their numbers as permission to call them. This is not true at all and a form of harassment. I have no idea how they were able to research and obtain my brother and sister in laws phone numbers. I don't even have my brother and sister in law 's phone number. 

What makes matter worse is that they were trying to get information about me from both my brother and law and sister in law. When they refused to provide information, they kept asking questions about me. 

When I was on the phone with them, they admitted that they already had my phone number and home address. I complained to two people, XXXX XXXX and XXXX stating that from this point on, they could only reach me and to never harass my wife, brother and sister in law in regards to anything about me and my account with them.
I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.