WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX - This complaint concerns EQUIFAX only. 

The problem is that current EQUIFAX credit reports do NOT show complete public record information. Neither the annual credit report nor the EQUIFAX site XXXX XXXX XXXX reports show the discharge date XXXX bankruptcy ) nor tax lien status ( release ). 

Despite discussions with EQUIFAX consumer reps, could not get any report showing the current status on the bankruptcy nor the tax liens. EQUIFAX staff could not explain why the information was accurately reported in previous reports. There was no accountability for incorrect and potentially derogatory information being propagated by EQUIFAX. I talked with 2 representatives who could not explain why the information was not showing up on the reports - nor would they do anything to correct it. I requested the supervisors supervisor and waited on the phone for 40 minutes without a human response. The number I called was XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - Filed dispute on XXXX with EQUIFAX. EQUIFAX did not have up-to-date information about XXXX tax lien status ( released ). EQUIFAX investigated, agreed with my information and updated their report.
my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.
I have had a mortgage with OCWEN since 2002. Due to severe financial hardships, I had to remortgage my home that was previously paid for. I have repeatedly asked for modifications to this loan # XXXXxxxx. I was put behind in my payments, when I applied for ( the first of three ) modifications to my mortgage, by being told, via a recorded message NOT to make any payments until the modification was approved. This caused me to fall behind, adding payment on top of payment Then, OCWEN did not approve the modification, and said I owed all the back payments, which was impossible to make, causing my mortgage to fall into default, causing extreme stress and heartache. At one time I was forced to pay app XXXX A MONTH FOR AT LEAST 12 MONTHS, ALMOST CAUSING ME BANKRUPTSY ON A {$56000.00} MORTGAGE TO CLEAR UP THE PROBLEMS THAT OCWEN CAUSED!!!. FOR OVER 12 MONTHS, I HAVE MADE THE PAYMENTS ( {$870.00} app ) ON TIME, AND HAVE ASKED FOR MODIFICATIONS AT LEAST THREE TIMES, AND WAS TOLD EITHER I DID N'T SEND IN THE PROPER DOCUMENTS, OR THEY DID N'T RECEIVE THE COMPLETE DOCUMENTS THAT WERE ON THE LIST, OR THE DOCUMENTS WERE LOST. THE LAST REFUSAL WAS THAT THE INVESTOR WAS NOT ACCEPTING ANY LOAN MODIFICATIONS AT THIS TIME. THE XXXX AND HEARTACHE FROM THIS COMPANY HAS SICKENED ME TO NO END. 
I JUST RECEIVED A CHECK FROM OCWEN FOR {$740.00} FROM THEIR ESCROW DISBURSEMENT ACCOUNT, BUT I AM AFRAID TO CASH THIS AS THEY MAY ADD IT TO MY PAYMENT DUE! CAN SOME ONE HELP ME?????
Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX  for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX
Equifax is reporting and inquiry on my credit report that I did n't do. I am a victim of identity theft and have recently ended my relationship with a credit repair agency ( XXXX XXXX ) since then I 've been getting alerts that my credit is being ran without my knowledge or consent. Please find that I 've enclosed my supporting documents. 

1. XXXX XX/XX/2016
I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
XXXX refinanced XXXX trust through XXXX loans ( fixed rate Balloon ) - went to XXXX XXXX XXXX XXXX modified to 4 %, 30 year term, XXXX XXXX XXXX wroteoff/charge off over the years transferred to many debt collectors Capstone Funding Group XXXX XXXX XXXX XXXX XXXX is suing in court Foreclosure on the second, the home is under water to a XXXX paid on time Nationstar XXXX 
Capstone is suing on the original note from XXXX a 6.75 interest rate loan Spoke with XXXX XXXX and asked her to provide to me proof that they have the XXXX modification & what int. rate are they using? She said she has to ask manager to get into the vault for the paperwork. I told her I am concerned about Fraud. 
XXXX XXXX never cld back, I called her and she said she does n't have the paperwork. 
XXXX XXXX then filed the final loss mit. to court saying she did not do a mitigation, but because I did not give her the XXXX modified loan agreement. I have emailed this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said she can talk to me about a modification, she would call me back - never did XXXX called cell # of XXXX XXXX - she told me she no longer works for Capstone, she will try to get ahold of XXXX XXXX, the foreclosure is on hold, they got the XXXX docs that I sent XXXX/XXXX/XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX. ( XXXX ) called after 3 times got ahold of a XXXX, she took his info she stated she needed to contact XXXX XXXX who is working on our file ( KB told me the day before she was no longer working for capstone ) The phone num capstone provided on their contact sheet is temporarily disconnected since XXXX, the other number goes to a recording, you can not talk to anyone, the voice mail says ca n't accept messages, this has been happening for the last two weeks - we have a mediation date on XXXX/XXXX/XXXX Please help I do n't believe they own this loan, the XXXX MERS assignment shows XXXX XXXX as working for XXXX XXXX, as a VP, but when you XXXX her she is an assistant at XXXX XXXX XXXX in XXXX, that is who the recording was requested by.
No credit for a reversed transaction. 
XXXX was charged on XX/XX/XXXX; reversed on XX/XX/XXXX -- demand for payment on XX/XX/XXXX XXXX! 

Phone call did not provide solution.
On   XXXX   XXXX  , 2017 Chase bank sent me a letter : " The total payoff amount due for your mortgage is {$14000.00}. This amount is good through  XXXX / XXXX /2017.
On   XXXX   XXXX  , 2017 I went to Chase Banks branch #   XXXX   to pay off my mortgage #   XXXX   and paid {$14000.00}. However as of my mortgage was transferred to   XXXX   XXXX   XXXX   XXXX   on   XXXX   XXXX  , 2017, and Chase bank had reported to a credit report that my account was transferred to another service, this is incorrect. I keep calling to Chase bank to complain this matter and always get the answers : '' Your mortgage was transferred to   XXXX   XXXX   XXXX   XXXX  , not on Chase bank so we can not do anything to help you ''.
This is very frustrated any time I called them, please help me to solve this problem.
<P/>
Regards
In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that XXXX Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Experian. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX.
Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
I sent sample letter from CFPB requesting more information about debt since this company has placed a judgement against me. What I received was a letter stating that this my debt for card XXXX, when it was opened by XXXX XXXX XXXX ( never heard of ) and when it was charged off and sold to LVNV funding. They state it is mine because my social security number is associated with this account. Can I have further proof that this is my debt such as a copy of where I signed to get a credit card? If so how do I request it? I have XXXX accounts with XXXX XXXX now XXXX XXXX, and if XXXX XXXX and XXXX XXXX are the same why would they give me more credit if I owed a previous debt to them. How can make sure this is right? LVNV has placed a judgement against me for something I am not sure of.
Repeated calls from Balanced Healthcare Receivables , LLC to call them at   XXXX  . They were calling for   XXXX   XXXX  . Asked them to remove my number but I still get calls.
Hello, During mid XXXX of this year, 2016, I contacted Citibank about opening a checking account. While on the phone with a customer service representative I inquired about potential bonus offers that were available at that time. He went on to inform me that if i signed up for a Citigold checking account I would receive XXXX XXXX XXXX miles as long I completed a XXXX dollar purchase and at least XXXX bill payments via their website in two consecutive months. 
After completing the requirements I contacted citibank to ask if there system showed I had completed the requirements. I was informed that I was not eligible for the bonus, even though I was told about it by their customer service and received instructions in my welcome packet about how to obtain the miles. I was mislead by this company and they have refused my eligibility for the offer even though I was recruited to open a citigold account with the XXXX XXXX offer.
An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.
They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.
I am filing a complaint because I have consistently been unable to log into my PNC financial account. I first contacted them about the issue via email on XX/XX/XXXX. They did not respond until XX/XX/XXXX ( approx ). The woman on the phone told me the login credentials I had set up had " expired '' and reset my password. However, while she was on the phone, I tried to log in and received the same error message that my user name was incorrect. She could not tell me why, put me on hold for 10-15 minutes ( approx ) and then told me the " system was down '' and that she had no idea when it would be back up. She contacted me once the system was up and I was able to log in. The next time I tried to log in, yesterday, only about a week later, I received the same error message that my user name was incorrect ( despite it being the same one I have been using since I opened the account in XX/XX/XXXX ). They are closed for the weekend, the issue is unresolved, and I can not file my taxes until they fix this account issue ( again ).
A man named XXXX called my company and said he was with XXXX XXXX XXXX and was trying to collect a debt on behalf of XXXX XXXX ( an advertising agency we use ). He said our company owed {$680.00}. I told him I would look into the matter and call him back. He told me to call him at XXXX. After finding that all invoices had been paid and all checks had cleared, I got suspicious and XXXX  the phone number. I saw that others had reported it as spam and even mentioned a XXXX calling them. 

I then XXXX XXXX XXXX XXXX and called the phone number listed on their website. I was told they do handle XXXX XXXX 's accounts and put me in touch with a representative named XXXX. She said our only balance with XXXX XXXX is {$190.00} and that it is still current. I asked if a XXXX worked for them and she told me there was a XXXX there but she didn't know why he would have contacted me about a past due balance. 

I do not feel that XXXX XXXX XXXX has done anything wrong, but that someone is using their business name to get credit card information.
I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's
My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. 

Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. 

XXXX XXXX XXXX | Recruitment & Retention Advisor | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )
My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
This is my third attempt to remove a debt collection reported on my TransUnion credit report. The debt does not belong to me. Documents show the person lives in another state, has a different birthday, as well as a different social security number than mine. Furthermore, I have never banked or used the services from the listed company. 

Reported by TransUnion ( last compliant filed on XX/XX/XXXX ) Debt company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Again, I am requesting for a brief statement of this dispute, to re-investigate the records, and for the debt to be removed completely from all my credit reports and any other documents which may include this false information.
In XXXX 2015 I applied for the XXXX XXXX XXXX Rewards Gold Credit Card. After nearly XXXX weeks of waiting I never received a credit card, and never activated a credit card via phone or americanexpress.com/activate. I was told on several occasions a card was being shipped to me only to find out XX/XX/XXXX, there were never any shipment created or tracking numbers in their system. At this point I cancelled my Everyday Cash Preferred card and told them I will not be activating any XXXX Gold Credit Card I received. 

XX/XX/XXXX, I was in search of another credit card and decided to try the XXXX Rewards Gold Credit card again, as there was a sign up bonus of XXXX XXXX ( XXXX Rewards points ) if you spent $ XXXX in three months. It was available to new/first time users of the XXXX XXXX Rewards Gold. I applied for the credit card and upon receiving my card, AND before activating it, I called XXXX XXXX to confirm if I would be elligible or not for the discount per my prior situation. If I was not, I was not going to use the credit card. The customer service agent said I was eligible for the card, as long as I met my spending. I asked the gentlemen are you certain and he said yes. 

Three weeks ago I e-chat XXXX XXXX to inquire if I met the spending limits and if the points were going to be granted to my account since I met the spending requirements. It was at this time the online agent told me I was not eligible for the discount due to previously having the card. I explained to them, that I applied for the card and never activated it due to several errors on XXXX part which ended up we me never receiving a credit card to use. The agent then said well you are not eligible and should have checked. At this point I explained that I called on the day I received the credit card to ensure I was eligible and the representative told me I was. After an hour of back and forth, they created a case for me with an indefinite amount of time to hear back. 

The credit card has a {$190.00} annual fee, which I am not comfortable with paying given this horrendous customer service. Nearly a month to investigate a simple issue is ridiculous, and not on par with their competitors namely XXXX and XXXX XXXX service.
Wells Fargo accepted a payments from me then i sent them another payment and they sent it back. I have asked for a reinstatement figure. I am presently raising the money to bring my loan current. I have most of the money but will I have enough time? 

I tried to speak to Wells Fargo representative they said I have no more chances to get any help from Wells Fargo. The so called re-entry team will not even talk to me. 

After submission of over 20 or 30 documents they requested every week while I was trying to work with them each week. 

As soon as I sent them every item they requested on the list for the underwriter that changed according to them every week I had to start over. 

My house is all I have. I have tried to pay a large sum down and make payments each month to be considered for a workout they wo n't to anything to help me. 
Please help me save my house.