WillisBack/dataset-financial-user-claim huggingface dataset:
Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so i believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting Transunion and XXXX today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX website XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX ) and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this. 

I have attached a copy of the letter from the XXXX clerk office showing the date the lien was paid/satisfied and ordered removed for the XXXX clerk office. The bureaus advised that this letter does not suffice for removal.
Bank of America has increased my rate steadily from 9.99 % to 25.24 %. They took my whole balance and converted it to the highest rate possible. This all started in XXXX, almost 10 years ago! They have been charging me up to {$480.00} a month in interest!!! Unbelievable!!! I have lost over {$50000.00} alone in interest on this XXXX card. I 've been trying to pay it down, but the balance originally was {$25000.00} and the interest very extreme. I can no longer pay almost {$1000.00} a month to just slowly bring down my interest amount, now at {$440.00}. They 're XXXX me!!
My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.
CRA/HIPPA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.
Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.
XX/XX/XXXX, I contact ( online ) XXXX  ( frozen ), XXXX ( frozen ) and Experian to freeze my credit report. Experion declined my request without an explanation. Stating I would be required to send all source documents by regular mail. I have always paid on time, paid in full and closed all accounts - except for two recent credit cards. My FICA score is XXXX. I dispute two areas on my report - spouse and address! All loans and contracts co-signed or co-owned with ex-wife ( divorced XX/XX/XXXX ) were paid on time, paid in full and closed! Why does her poor credit history still negatively affect my credit report after seven years? I was the sole owner of XXXX XXXX XXXX XXXX, NY. Which I sold XX/XX/XXXX. Mortgage was paid on time, paid in full and closed. I moved toXXXX XXXX XXXX XXXX XXXX XXXX, NY. The home is a residential three story home, on seven acres of hardwood swamp ( not a gymnasium or commercial property ) The home is paid in full, with a clear/clean deed, recorded with XXXX County Dept of Records, NY. Property is solely-owned by a XXXX XXXX. Previous Owners must have filed for bankruptcy? I have never known or meet previous owners! What does thier past financial history have to do with my credit report? Why is it easy for Creditors to report/record false data on my credit report - and so hard for the debtor to correct/remove erroneous information? The Consumer Financial Protection Bureau is the only agency standing up for all the disenfranchised! I thank the CFPB reguardless of the outcome involving this dispute. Note : I viewed my credit report with Experian.
My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.
I ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance. 
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.
Experian did not conduct a proper investigation after I submitted document. I submitted a letter from XXXX where they admit they do not have records on my account. Despite this, Experian took the word of XXXX that their tradeline is correct. XXXX can not make this statement knowing they do not possess the proper records. This tradeline can not be validated and must be removed.
There is something wrong with the modification done by Bayview Loan Servicing. The loan from Bayview was transferred to XXXX XX/XX/XXXX ( which is n't any better ) but I need to deal with one at a time. I want to refinance my home. My mortgage statements from XX/XX/XXXX - XX/XX/XXXX have a total amount due of $ XXXX. In XX/XX/XXXX I sent a request for explanation of what the XXXX is. XX/XX/XXXX, I received a letter giving the " Corporate Advance Breakdown ''. There are attorney 's fees, litigation fees, attorney title costs ( what is that ), XXXX atty cost, auction fees, MISC, really MISC, etc. I ca n't get anyone to answer me or call back to explain these descriptions AND if I were doing a modification, why would there be attorney fees or litigation fees? The modification process with this company was so painful and the worst experience. Obviously I needed help because I was asking for a modification and I am afraid they took advantage of my situation. 
I received a letter dated XX/XX/XXXX titled LOAN ADJUSTMENT AGREEMENT CORRECTION LETTER saying " Due to a clerical error the Deferment Amount of {$100000.00} has been adjusted to reflect the correct amount of {$92.00}, XXXX. 
As the corrections inure to your benefit and represent the intent of the original transaction, Bayview Loan Servicing , LLC has updated your account accordingly ''. BUT my XX/XX/XXXX XXXX statement is confusing and payment went up {$110.00} AND if looks like the {$9900.00} was was added to my XXXX mortgage. I am not a loan officer or mortgage expert so I do n't know what is happening. All I know is I need help and explanation to figure this out. 
Like I said, the modification process was a joke. I would get duplicate packets in the mail saying I was not approved after I had already signed and sent back paperwork and had a modification agreement. This happened twice. Please Please Please check this company.
In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently. 

I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint. 

Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!
There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.
XXXX representatives from focus financial called me several times, very rude and threatened to take legal action if I do n't pay
I contacted the three credit bureau 's on the free government credit reports website, to get my yearly credit reports from all three, back the XX/XX/XXXX. I received one from  XXXX   with no trouble, When I got to trans union after I put in my info and the report came up, I tried to download the report and the system crashed. When I got the system back up it told me I had already got the report which I did not. I called trans union, and  the custom service representative told me the same thing. I continually tried to explain to him what happen with the crashed site, he told me I would have to buy the report so the phone call ended with no report, but I did tell them that I was going to get in touch with the commission that oversees their operation. I have only dealt with them once before and I did not have a issue, back in XXXX and got my report with no problem online, so I don't understand what happen this time. 
I went ahead and attempted to order my XXXX report, the reponse I got while on line was I had to send in information, IE ;  ID, social security card and the reason I wanted the report on a cover page which I did and mailed it on XX/XX/XXXX ; I do beleive i had this problem with XXXX  in the past some years back. When I called today ( XX/XX/XXXX ) they ask me about my loans and who it was with, I told them that the only one I had was a student loan and I didn't remember who it was with because it was over twenty years ago ( now that I writing this I realize I should have remembered, but I was upset that I had already done what they had asked in sending info via mail ) .Then I talked to a supervisor and told her the same thing and she ask me a additional question about a job that I had in the past, and I gave her three that I know was on the last transunion report, then she proceed to tell me I did not answer correctly. So I am at a loss to why these reporting agencies are not cooperating with giving me my credit reports
Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily
I was contacted by a person stating that his name was XXXX with XXXX, and he stated that I defrauded a financial institution from XX/XX/XXXX-XX/XX/XXXX and I have never ever done this.
This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.
I opened a secured credit card account with Wells Fargo in XX/XX/2009. I was told that my account would be periodically reviewed and that if my account history was good for one year, my secured account would be graduated to an unsecured account, and my {$1000.00} secured deposit would be returned to me. I have had a good credit history with them since the account was opened, with the exception of the events described below, but my account remains secured and Wells Fargo still has my money. I have never had a problem qualifying for credit since XX/XX/2009, but I think Wells Fargo will never graduate my account. I do not want to simply close the account, because in doing so, I will be closing my oldest credit account, which will adversely impact my credit score. I would like my money back, however, and for Wells Fargo to honor our agreement. 

I have tried contacting Wells Fargo about my graduation status, but apparently the review procedure for secured accounts is a secretive and/or completely randomized process that nobody in the entire company understands or can disclose. I have been contacting them for at least three years trying to make some headway, but I haven't been able to make any progress. 

I also think this may be retaliatory in nature. When I opened the account, the teller who assisted me was uninformed and created a situation. He took my secured deposit, opened a savings account with the deposit, and set up my credit card for autopay from the savings account. I expressed my concern that I didn't think I could use the security to pay the monthly statement, but he assured me that I could. Two to three months later, my card was declined, and I followed up with the branch, discovering that my card had been shut off for failure to make a payment. It was then that I discovered that I had been correct about the security deposit, as Wells Fargo had withdrawn the entirety of the deposit shortly after the account was opened, and the automatic payments were being drawn from an empty account. I was upset with the branch, demanded that they refund the overdraft fees and close the savings account, which they obliged. Because I closed their account, I think they are refusing to graduate my credit card and refund my secured deposit.
Chase violated and continues to violate, with impunity, both Regulation Z and XXXX Banking code. 
Chase claimed on XXXX XXXX, 2016 that they received a dispute claim on XXXX XXXX, 2016 and a fraud claim on XXXX XXXX, 2016. It is worth noting the neither banking law or regulation Z make any distinction between the XXXX. 

On XXXX XXXX, XXXX Chase claimed that the cardholder called them about a fraud claim, this is false. Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, 2016 again Chase falsely claimed that the cardholder called them, again Chase Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, Chase alleged the letter of XXXX XXXX, 2016, received on XXXX XXXX, 2016 was insufficient, yet Chase made no attempt to speak to the cardholder to clarify any purported misunderstandings. Chase also claimed, correctly, that letter was set to the wrong address, however, this defense had not been raised before and the USPS did deliver the letter to Chase and Chase did sign for the letter on XXXX XXXX, XXXX.
I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.
I have been paying this company between {$350.00} and {$250.00} per month for the past 1 1/2 years. I was told they would reduce or have my private student loans cancelled. They also told me my credit would not be affected and if it was they would repair it. come to find out my credit is shot and all of my debt was sent to collections.
I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.