WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.
My credit card information was compromised and my card was cancelled. I went into my card 's site and there was nothing to indicate that. I called and was told what had happened. My complaint is twofold : 1. there should be a special statement used when your card is declined so it is clear that it is not your fault. It was embarrassing and not the way to treat a customer who pays in full and on time every month. 2. My credit card company will not or can not tell me the name of the retailer. I feel that I am more than entitled to know what company failed to protect my information.
I received a letter from a out of state Law Firm about a so called debt. I live in Pennsylvania so I requested information in to this firm and its practices and licenses that give them a right to collect a debt in Pennsylvania. I as asked for information in regarding so called debt including all information and dates of so called debt. to include original creditor and statue of limitations in my State of Pennsylvania. I believe this to be a fraudulent claim and practice.
Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.
I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report.
Called by multiple numbers from multiple states. They called my wife and family members and provides my ssn on their voicemails. Threatened to sue me, seize my property, and freeze my accounts when I contacted them and told me they didnt care who I had talked to a week prior. Refused to provide any type of written documentation. Threatened to come to my home and job to deliver court documents that are not registered with ujs. Account is no longer on my credit report. Phone number where I reached someone was XXXX. When I refused to give a date and time I would be home he told me he didnt care if I missed my court date and hung up on me.
Iron Capital Group advertises that you can get a credit line to start your business, all you need is a FICO score of XXXX. I spoke to a salesperson " XXXX '' he explained everything verbally, as it is explained on their website. I was instructed to sign up with XXXX XXXX XXXX, ( a credit monitoring service ) and supply Iron Cap my username and password. Even though my FICO score is XXXX, they said I was being denied because of a few derogatory items on my report. Even though these items have been paid, Iron Cap says they wont be able to fund me. Before I gave them my social security number, they confirmed that they were only concerned with FICO. After I contacted them stating I didnt see the unpaid items on my credit, and that I need more explanation or I would be forced to report them. The director contacted me stating that they meant to change terms on website, and they would n't be able to change for a few weeks, asking me to wait until they had a chance to change the site before I contacted Consumer Affairs. He said there may be other loans that I qualify for but they were unfavorable. He also didnt offer any info on any loans that I qualify for. I believe this company doesnt want to fund XXXX XXXX Business. There are no traces of minorities on website, and I bet they have never funded any.
I have a CHASE auto loan for my XXXX XXXX XXXX. I purchased my car in XX/XX/XXXX. In XX/XX/XXXX, I requested CHASE put ONE payment on the back of my loan, as I had fallen behind due to illness. Fast forward several years later ... in XX/XX/XXXX I found out for every month I hadn't paid " a fee '' for CHASE extending my one pymt.to the end of the loan, I was being charged a " Late Fee. Now this had accumulated over the years to the point where they now claim I'm " BEHIND '' on my regular monthly payments however, I've NEVER again been LATE!!! The late fees total over {$800.00}!!!! I have no issue with pay one the ONE TIME FEE for extending my loan, but this has become ridiculous and EXCESSIVE!! 
I called CHASE auto finance and got no where. I also went into my local CHASE branch, as I also bank with CHASE. A Customer Care Rep. Called CHASE auto finance on my behalf. They did nothing, and never called me back after researching the problem as they had promised. I am almost done paying off my car but these fees need to be reversed NOW! Thank you for your attention in this matter.
I have attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.
As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.
On Wednesday, XXXX XXXX, 2017, I sent Experian a certified letter disputing inaccurate and false information on my credit report being reported by XXXX XXXX XXXX XXXX, reference number : XXXX which is located at XXXX XXXX XXXX, XXXX XXXX , FL XXXX. I am confident that XXXX XXXX XXXX XXXX  never replied to Experian during their so called investigation. I sent XXXX XXXX XXXX XXXX a certified letter on XXXX XXXX, 2017 and they never responded to my letter. Furthermore, Experian has this item being reported by XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX. I sent the very same dispute to XXXX and it was removed from my credit report between XXXX XXXX and XXXX XXXX. I believe that Experian has acted in bad faith and has not complied with the Fair Credit Reporting Act, which I specifically requested VALIDATION that is competent evidence bearing my signature showing that I have had some contractual obligation to pay a debt owed to XXXX XXXX XXXX XXXX. If XXXX XXXX never responded to XXXX or myself within 30 days of my complaint, where is the proof that they in fact responded to Experian? I want this item removed from my credit report immediately!!
I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
I have XXXX XXXX full access to my account. They have verified me via checking account and debit card. Bank of America was supposed to report my recent transactions so XXXX XXXX can calculate my max out to reborrow until next pay day. I contacted BOA XX/XX/XXXX - let the rep know I approve XXXX XXXX, and they are trying to get info so I can receive more funds. XX/XX/XXXX - my light bill was supposed to draft from my account via bill pay services BUT because BOA did not report to XXXX XXXX as requested the bill pay did not go through. In return my lights will be cut off XX/XX/XXXX when I called to try and get help AGAIN from BOA they gave no help at all!! And the thing that upsets me the most is they acted as if they did not care my account was going to overdraft and/or my LIGHTS a very important thing ( as well as XXXX and gym membership ) will not be Paid. Or my account will have many overdraft fees. To put the icing on the cake ; BOA had an online promo at time of application to open my account. The promotion read : " {$300.00} bonus when you deposit {$4000.00} within 90days of opening account, once meet {$300.00} credit will be funded to my account within 1 billing cycle. '' BOA is now telling me that promotion is not on my account. I was choosing between XXXX XXXX and BOA the ONLY reason I chose BOA, a non-local bank, is because of their promotion. I reached $ 4000+ deposit on XX/XX/XXXX Please help me in solving these problems. <P/>Thanks in Avdance!!!
I used my debit card over the weekend and those charges were deducted from my balance. I checked my account on Tuesday, XXXX XXXX and the charges posted to my account but were also in pending. They charged me XXXX NSF fees for the pending charges which had already been deducted from my account. I tried talking with XXXX different representatives from PNC and they neither one seemed willing to help me check into it or resolve the issue. They told me that I had a refund already from back in XXXX 2015 which was from an error in a fee PNC could not explain except that it was charged in error and they would correct it. This should not count against me. There seems to be something weird going on with how they charge fees. I do not think {$140.00} in fees for something they ca n't even explain to me is fair at all.
XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.
Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.
I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.
After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.
I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ).  XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.
Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them
I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.
I bought a car from XXXX and was financed by American Credit Acceptance,  which they do not use anymore and wouldn't tell me why. I have been paying on this car for a year and some months. I discovered when asking for help with my bill, that I am paying {$17.00} a DAY interest. My car was for, say {$23.00} grand and they are charging {$20.00} grand to finance it. I did not realize that I would be paying on this car for ever under what is called a simple loan at 25 % APR, which I couldn't come up with {$16.00} and is more now. I have missed payments and is currently behind now, but I researched my account only to find out that, even when I paid on time NONE OF MY PAYMENT WENT TOWARDS MY PRINCIPLE. I don't understand! Now I've gone from 60 payments left to 65 and {$23.00} grand to {$25.00} grand I am trapped and American Credit Acceptance told me I can pay {$75000.00} for this car, becuase there isn't a ceiling on the interest or payments they can take from me. Even when I get caught up and pay on time. I've had a lot of cars, but I have never experienced any deal like this and I read that the interest may not be legal in the state of Ohio. What can I do. I don't have credit to get a new car, I want to pay this one off, but at {$650.00} a month and nothing going to principle, I can't go on like this. Something is not right here!
Sometime in early XXXX I opened my Wells Fargo bank account, they had offered me a college level credit card because they stated they seen a young working man. I applied and later got the credit card, since then I believe they have been wrongfully charging me excessive fees. Finally in early XX/XX/2018 I reached out to Wells Fargo stating that I had felt that I was wrongfully charged in the fees I was receiving while having the credit card. Wells Fargo replied with a letter that I received in late XX/XX/2018 stating they would look in to the matter. In early XX/XX/2018 Wells Fargo sent me a letter stating they did not want me to take legal action because they felt they had not wrongfully charged but also stated they would take care of the credit card fees as long as I paid the remaining balance of the credit card which was {$330.00}. I paid the {$330.00} at the Wells Fargo on XXXX and XXXX XXXX in XXXX, New Mexico on XX/XX/2018. At this time I was informed there was not a remaining balance by the bank teller at this branch. On XX/XX/2018 I received multiple letters from Wells Fargo stating that at the time I had remaining balance of {$3.00} which caused multiple future credit card fees in which I refuse to pay because I was told by the bank teller that my credit account was paid off. I have informed Wells Fargo at this point I am fed up with their shady fees and have stated to them I will take legal action.