WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is currently being investigated or as consumer disputes. Furthermore, Equifax is not supposed to score the contested information against me during the verification process. Equifax has violated the Fair Credit Reporting Act on numerous occasions. 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the Bankruptcy XXXX XXXX XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the XXXX Bankruptcy XXXX or XXXX XXXX XXXX. I have also attached a letter from the XXXX Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

Lastly, Equifax has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the XXXX Bankruptcy XXXX or XXXX XXXX XXXX ).
Please refer to my original complaint # XXXX filed in XXXX see your response to me on XXXX/XXXX/2015. Ally 's attorney reached an agreement that I would pay {$3100.00} and the payment would reflect settlement in full. The credit report as of Wednesday, XXXX XXXX, 2015 shows paid in settlement but {$34000.00} written off this is not correct, again they have the car which is the collateral balance so nothing should be show as written off once the settlement amount was sent to them through the courts the balance should reflect as paid and settled.
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX Experian : XXXX XXXX
On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX  said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I  called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.
Diversified Collections just reported that I have a balance owed to  XXXX   XXXX  on my credit report. On top of not having a balance owed to  XXXX   XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up  one  day.
XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified.that I have disputed.Please resolve this manner as soon as possible.Thank you.
NCSPlus Incorporated - This collection agency is representing XXXX XXXX, who we do not have a written or signed agreement with to provide any form of service. We asked XXXX XXXX to provide us with documentation of a written commitment to their company for the money owed and received nothing. Now ... this collection agency continued reporting to credit bureau and are ruining my credit score, which we completely dispute as fraudulent charges. The company should make sure charges are valid with the companies they work for before they try to collect on them, 2 ridiculous charges are in my credit score ruining like collection : 1.XXXX  XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX No one in my family performed a XXXX or something else to charge me the ridiculous amount of XXXX XXXX dollars, anyway I always have a medical insurance on XXXX by XXXX XXXX XXXX and I have proofs, this collector agency has a record of fraud charges with no valid proofs
First off, I want to say that every experience I have had with Blackhawk Network products has been a disaster and wo n't ever purchase another of their gift cards/prepaid cards etc. 

I purchased multiple Reloadit packs and placed the into the Reloadit safe as required by their company. From the safe the money can be transferred onto a debit card. 

They disabled my safe with money inside and then re-enabled it, wiping my entire transaction history and my funds inside. {$420.00} and all records of past transactions were gone.
Nationstar mortgage i feel like is harassing me.Im not even 2 months behind they sending me different amounts saying they are going to foreclose
Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.
I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.
In XX/XX/XXXX I had put in for a remodification application with my bank ( then it was CITIMORTGAGE ). I had done everything they asked me to do. Almost a year and a half later I got a foreclosure letter. I immediately went to a financial institution and payed to do the remodification through them. After about 11 months I got a bad remodification. I was paying 6.375 % rate on my regular loan ( originally {$380000.00} ) which I had a balance of {$360000.00} left. After remodification, I was given a 5 % rate and they had tacked on {$44000.00} to the back of the loan ( so at this point my loan is {$400000.00} ) and made it a 40 year mortgage. A year later CitiMortgage sold my loan to another company. In XX/XX/XXXX I was looking to refinance my mortgage and my broker found a discrepancy in the balance from CitiMortgage. In the remodification, they had added {$10000.00} for " attorney fees for foreclosure ''! I never went through the foreclosure process. I had gotten in touch with CitiMortgage and got bounced around for a while and no one could answer my question on getting my money back or how I got such a bad deal on the remodification. The remodification had put a big strain on me financially and mentally and I felt like I had no other choice but to accept what I was given. I am tired of getting screwed by big companies and feeling like I just have to sit there and take it. I would like to get my money back from CitiMortgage with the interest I have been paying on it since the remodification!!! I have all the documents from my remodification process and refinance. Please help me, I do n't know where else or whom else to turn to!
I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under Montgomery ward XXXX XXXX XXXX XXXX XXXX on my credit reports
I have been involved in a foreclosure case for nine years and the loan servicing company has routinely not followed up, has sent me incorrect financial information including loan balances and now refuses to send me loan reinstatement information, current loan balances and a loan payment history. I have been making my mortgage payments on time for the past four years and they have refused me a loan modification now because they say I make too much money. I was initially denied because I did not make enough money
On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined. 
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.
On XX/XX/XXXX I submitted a Hardships Assistance package to Arvest Central Mortgage Company ( ACMC ) for consideration of a modification of a XXXX loan. 

I received a call on Thursday XX/XX/XXXX at XXXX from XXXX who advised me that my submission was denied. I was given a generic reason that based on the information that I submitted I was not eligible. I requested a more specific reason, but XXXX provided me the same response again and informed that there is no other reason. I asked to speak with the underwriter who made the decision and was placed on hold. Then the call subsequently disconnected. 

I called back that same day around XXXX and spoke to XXXX who advised that she would email the underwriter and her supervisor to call me. 

I received a call Friday XX/XX/XXXX at XXXX from XXXX, a team lead, who informed me that my information was submitted into a tool that issues a value of either 1 or 2. I received a 2 and that means denied. XXXX informed me that beyond that, there is no other information that can provide further detail to explain why I was denied. I asked to speak with the underwriter and, after being placed on hold several times, XXXX advised that the processor, who she explained is the same person as the underwriter, is unable to provide me any additional information about my denial. 

It's a disservice to customers to not provide a clear reason for denial. XXXX offers an appeal option, but without knowing the reason behind a denial a customer would not know what is appeal worthy. There should be more transparency to better service the customers. 

I asked XXXX for various values used in my review. She informed me of my income which used a weekly calculation based on the average of 2 paystubs. My hardship is due to fluctuating income. Using a weekly calculation substantially overinflated my income as it didn't account for low periods. I asked for the rationale behind the calculation and why a year to date calculation wasn't used, but XXXX could not provide an answer. 

I submitted an appeal on Monday XX/XX/XXXX to dispute the income calculation used by the processor/underwriter. I explained that a year to date calculation would account for the fluctuations in my income and provide a more accurate value of my monthly income. 

I'm submitting this because I believe that XXXX needs to provide a better service to their customers requesting hardship assistance. Also, their credit policy for income calculation should be scrutinized and reviewed as they may be using incorrect methods to calculate income with no rationale which could subsequently result in denying eligible borrowers of retention options. 

Additionally, I would like further detail on the reasoning behind my initial submission for assistance along with a rationale behind using a weekly calculation for my monthly income. 

If possible, please include XXXX XXXX ( XXXX ) as party in this CFPB submission. XXXX is the investor of my loan and I would like them to be aware of how their loans are being serviced.
I was previously over charged for my monthly payment by Navient in the amount of {$550.00} on XX/XX/XXXX. In addition to the {$550.00} they deducted the original payment out of my checked out in the amount of {$280.00} on XX/XX/XXXX. The amount of {$280.00} is my standard monthly payment through Navient. However, when I contacted customer service about the additional charge of {$550.00}, I was told it would be credited to my checking out. I was told my account would be credited within 24-48 hours. On XX/XX/XXXX, I contacted customer service again to see the status of the credit, as they said it looks like the proper codes were not put into the system, therefore the credit did not get approved. I was told the credit was submitted again. At this time, they took my checking account information to expedite the process and the supervisor I spoke to in collections stated it would be an additional 24-48 hours. On XX/XX/XXXX, I contacted Navient again to see the status of my credit of {$550.00}. This was my second time speaking with a supervisor. I was told that the credit can take anywhere from 3-5 days to be approved. On XX/XX/XXXX, I spoke with Navient supervisor and was told that the credit was approved on XX/XX/XXXX and that they are done on their behalf to check with my bank. This has been over 20 days that I have been waiting to have a credit in the amount of {$550.00} to my account, as it was Navient who made the mistake of taking that amount in addition to the set monthly amount. I am extremely frustrated that this has been treated as if {$550.00} is not a significant amount. I have been struggling to make ends meet within the last few weeks because of a mistake on their behalf.
Equifax has failed to conduct a proper investigation on the inquires that are unauthorized on my credit report. I have attached the letter I sent them and they sent me a computer generated response saying the inquires were factual and there is no way they did a proper investigation while seeing proof I authorized these inquires. I 'm just asking them to comply with the FCRA.
XXXX. This is the first opportunity I have had to examine my credit scores. I have a dispute with a lien listed as XXXX. I came to an agreement with XXXX XX/XX/2016 and this account is almost paid in full. My understanding from their attorney is that this lien would be removed from my report immediately. I will pursue legally with them but would like to know what documentation you need to remove this from my credit reports. 
Thank you in advance for your assistance. 
XXXX XXXX