WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XX/XX/XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
This account falls under the 4 year statute of limitations and has been removed from my credit reports on XXXX XXXX, XXXX after the allotted time for the dispute. I see now as of XXXX XXXX, XXXX that this account has been replaced on my credit report. 
Dispute Results XXXX received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. 

****Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. XXXX Account Name Original Creditor Open Date Status Balance {$1400.00} MIDLAND FUND XXXX XXXX XXXX XXXX, XXXX Open {$1900.00}
I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.
I applied for a loan with East West Bank and it has taken them months to close on the loan although I was approved almost a month ago. My XXXX XXXX XXXX son and myself have been staying in a hotel for the last XXXX week being that I have no where to go and they keep missing the closing dates. They do not respond when asked for a update and give you the run around stating that someone else will follow up with up and they never do. My final closing date is XX/XX/XXXX and the seller will not extend this again.
I sent a letter on XX/XX/18 requesting Navy Federal Credit Union to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much
I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.
In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they  apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.
I have challenged XXXX, XXXX and Experian about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
On XX/XX/XXXX I filed a dispute for charges on my RUSH CARD account that i did n't authorized ( XXXX $ ), RUSH CARD said they will issue me credit until the investigation was conducted. Then 4 days later on the XXXX RUSH CARD closed my account i asked could i open up another one, because all my direct deposit are sent to my account. A supervisor said YES, that all i would need to do was mail in proof of my address, Social security card & drivers ID ( all my personal information ) so i faxed & emailed all my personal information on XX/XX/XXXX@ XXXX. after talking to 3 people including a manager, supervisor & sales rep they said i could n't open up account. Since giving them my personal info things have popped up on my cerdit repot ( so someone is using my ss number from RUSH CARD ) i still dont have my MONEY.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX
It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.
I notified Transunion on XXXX/XXXX/XXXX in the XXXX .I spoke with a phone Representative stating that I had been a Victim of their resent inquiry issue. I went over every inquiry and was told that the issue would be deleted and removed from my report in a couple of days. The representative was very apologetic of this matter .I resently pulled my Transunion report again .I noticed Transunion have not deleted nor removed inquiries.I feel Transunion is not being accountable for making this mistake .It 's very upsetting that I was a Victim of this issue and nothing is being done about it. 
XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I had a repossessed car with XXXX XXXX that was sold over to cascade. I paid cascade the amount and was promised that it would be reported as paid in full ; it was reported negatively that sent the account to collections on my credit and reported it late once again Ive called both companies. Just to get a we cant help you. The account was paid XX/XX/2018 for {$3000.00}. I receive a paid in full letter.
XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.
Someone forged my name on an auto car loan, with a company I've never done any business with and have reached out numerous of times and provided documentation explaining the information they have on file is the result of forgery, this company is apprehensive regarding removing this account from my records due to the information on file matching my personal ID and SSN. The document 's attached list an address I never lived at and signatures that's not mine, the wire transfer and bank statement they have on file or forged and or doesn't belong to me and may be the result of wire transfer fraud
I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.
I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.
A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed
TRANSUNION has failed to include the latest XXXX XXXX XXXX BANK account in my file as well as delete inquiries made by XXXX on XXXX/XXXX/XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX as " hard '' inquiries when they were to have been done as " soft '' ones. I did NOT authorize them being done this way and wish them deleted ASAP!
Called and left voicemail stating that some debt was filed pertaining to my Social Security number and that I needed to take immediate action and called them right away. I have no delinquent debts.
On XXXX I unknowingly overdressed my account by XXXX cents. On Tuesday XXXX a {$50.00} deposit had funds available, at XXXX XXXX I double checked my account balance then went to get groceries. On the morning of XXXX I woke, checked my account and saw that I was charged an overdraft. I called the bank, the representative explained to me I overdrew my account by XXXX cents on Monday. Overdraft fee # 1 was charged on XXXX ( which must have been after XXXX XXXX, because I checked my account and went to get groceries ). She then told me that another overdraft fee is going to be posted to my account because I used the funds from overdraft # 1, which then overdrew my account again and set me up for overdraft # 2. I asked if there was anyway I could dispute these and the domino effect that is following, she explained there was nothing I could do and then went on to sell me all the overdraft services. I 'm upset that XXXX cents is costing me {$70.00} and I 'm upset that if an overdraft fee is charged, it 's not posted in a timely manner or that I 'm not notified in a timely manner so I can avoid future charges and the domino effect that could happen.
I 've made XXXX payments on my car of XXXX and my principle balance is not going down. I 'm financing my vehicle with Santander Consumer USA but I can refinance or trade out of it because of the negative equity. I do not know what to do. I feel like I 'm paying for a car but not paying for a car.
On X/XX/2017 I noticed a fraudulent charge on my credit card statement that was made at XXXX XXXX on XX/XX/2017 in the amount of {$47.00}. I notified my credit card company on XX/XX/2017 that this charge was fraudulent and submitted claim number XXXX. On XX/XX/17 I received a response from Bank of America that they have determined the charge was valid. I called Bank of America on XX/XX/2017 in the hopes of appealing this decision and I was told the case has been closed and can not be appealed. I did not make this transaction and am dissatisfied with the resolution of this case. Bank of America has failed to prove that I made this charge, and have not taken any action to protect my compromised account from further fraudulent activity.
On XX/XX/XXXX, Equifax received my Method of Verification letter. Today, on XX/XX/XXXX, I received a canned response on how they go about verifying accounts that they list. I did not ask for a canned response, I asked for detailed information that they received during their dispute process. I asked for hard copies of all the communication that took place for the two items that were disputed under Dispute Confirmation # XXXX. Those accounts are as follows : 1. XXXX XXXX 2. XXXX XXXX XXXX They failed to provide me with the communications and evidence that they used to verify these accounts as I requested per my rights under the under FCRA 611. 

Today ( XX/XX/XXXX ) I called Equifax to see about getting them to send the information I requested that they did not send, and they refused. I called at XXXX XXXX  and I was on the phone for 47 minutes and 15 seconds. I spoke with one lady, and then asked to be transferred to her supervisor. The woman supervisor I was transferred to said all they could do was send me the results of the investigation, but refused to send me the method of verification/ detailed copies of the communications used to get the result they got for the dispute. She said she was unable to send me that information nor could she delete it. Under my rights, if they can not furnish that information, they MUST delete those items. Not doing so is a violation of my rights under FCRA. 

According to the law, it is my right to receive proof of the verification, and if that proof is missing, to have the inaccurate entry deleted. If the debt validation is absent or unsatisfactory, I can dispute it again or file suit in court. 

The letter they sent me did not tell me any information about my personal dispute. It did not tell me who they contacted, nor did they send me the proof or copies of the people they contacted during the investigation. 

When I call, they refuse to send me any information they received during the dispute investigations, and they refuse to delete. My rights say they can't refuse both. They either have to furnish me with that information or they have to delete it. 

This has been a headache for almost 2 months. Sending letters, and making call after call after call, and now, multiple disputes. Now I am incurring fees to mail my letters by certified return receipt mail so that I have my proof documented. I have wasted countless hours of my time and energy and a lot of headaches trying to deal with this. If they can not show hard documented proof that they contacted a human during the investigation of my dispute, they need to delete both of the mentioned tradelines.

If they still refuse to offer proof of the method of verification, or details about it, I will be forced to sue them for non-compliance under section 616 of the FCRA.

I do not want to have to waste more time going this route, but I will gladly resort to that if all else fails. I refuse to give up and continue to allow them to disregard my rights and the law.
on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.
I have contacted Equifax multiple times by certified mail in regards to late payments showing on my credit report from  Dept of Ed  XXXX . I advised Equifax that I was never late during the times of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and request them to do an investigation and correct the inaccurate information they have showing on my credit report. After 30 days of investigation Equifax respond back to me that the information was reported accurate by the creditor. I contacted the creditor which is Dept of Ed/ XXXX  in regard to late payments showing on my credit report  and Dept of Ed  XXXX  assured me that they are not showing any late payments in their records because the account was in deferment during the dates  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX . I have requested multiple times that Equifax correct the inaccurate information and they will not make the corrections to reflex on my credit report.
There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.
Santander Bank is attempting to collect {$1500.00} that I do not owe them. The debit card charges making up this balance is the result of identity theft. I will NOT pay this!
I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.