WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm submitting proof that Equifax is illegally reporting this bankruptcy and they are refusing to remove it even after submitting the proof. I really need your assistance because I do n't understand how they can be refusing to remove this information when there is physical proof! I do n't care that they are sending me a piece of paper that they are generating saying that its something else - I 'm proving it by sending the page from my credit report! I need for this to be removed.
My wife and I purchased our first house in XX/XX/2016. Shortly after, the value of the XXXX XXXX financed home lost considerable value. We were also hit with XXXX that nearly cost one of our lives. Needless to say, our medical bills, recovery expenses, and loss of employment were financially devastating. We fought through our challenges and upheld our responsibilities of paying our bills. We elected to pay the PMI on the note until we could reach the XXXX % equity threshold based on the original loan amount and the outstanding principal. We contacted SETERUS, Inc. several times to discuss our situation and confirming that we will in fact have PMI removed once we meet the XXXX % threshold. We sent in funds to SETERUS Inc., with a letter directing the sent funds to be applied to principal only. I have XXXX issues : 1 ) SETERUS, Inc. failed to apply all 100 % of my principal reduction payment to the payment ( as directed on the accompanying letter and on the personal check that was deposited. ), rather, SETERUS, Inc. took it upon themselves to apply 38.9935 % of the sent principal reduction payment to monthly payments ( our account is/was not delinquent, therefore the amount was applied to future payments ), and only applying 61.0065 % to the principal without our consent nor approval. Directions with our funds were not followed ; part of the 38.9935 % of the money that was mis-directed was paid to SETERUS, Inc. in interest ... interest on future month 's payments. 2 ) SETERUS, Inc. states that the automatic termination date of the PMI policy is impacted by the step rate adjustments, thus they are unable to provide me with an exact date the PMI policy will automatically be removed from the loan. They state, " Please note, additional principal balance reductions do not change the automatic termination date of the PMI policy. '' Their PMI Cancellation Letter request that I complete a form, and submit a {$350.00} non-refundable check for an appraisal fee of the property. In the fine print, the letter states that they will only look into the possibility of removing the PMI if the {$350.00} is attached and clears. These {$350.00} are non-refundable should our account not meet the eligibility requirements of PMI removal process. Our account qualifies for the HARP refinance option, where an appraisal of our property would be completed free of charge, regardless of our loan-to-value ratio.
I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.
I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.
I have been approached by Concord Resolution ( & XXXX ; XXXXXXXXXXXX & gt ; : advising me that I had a payday loan from XXXX 2013. I asked for a signed document indicating my agreement. " XXXX XXXX '' sent me a collection letter from his organization from another collection agency by the name of XXXX XXXX XXXX. 
I have taken out payday loans but I can assuredly state I did n't get XXXX at that time.
Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....
I opened a business checking and savings account with Wells Fargo in early XX/XX/XXXX. I received an email onXX/XX/XXXXsaying thy closed my account and it was set to {$0.00}. I had {$9200.00} in checking and {$5200.00} in savings.
I called to see why my account was closed and they only could tell me that the account needed more information and I need to go into a branch.
I went back to the branch I opened the account at XXXX XXXX XXXX XXXX, MD XXXX. I spoke with XXXX XXXX Case # XXXX. He found out that the gentleman who opened my account did n't do so correctly and he is no longer there.
He said they sent a check to a UPS address with no mailbox in XX/XX/XXXX. I never received that check with my funds.
I was told that in order to stop payment on the check that is lost I would have to pay around {$300.00} because of some surety bond. I should n't have to pay for something that was n't my fault.
My business funds have been tied up for 2 months. I 'm not getting any answers. I email and call XXXX and the branch manager ( XXXX XXXX ) everyday. They say they are waiting to see if it 'll be in return mail.The district manager called me 1 time. Said he would call me back the next day but never did.
Home Equity was modified under XXXX ... CHASE HAS NOT UPDATED SYSTEM AND KEEPS CALLING SAYING THE LOAN IS IN ARREARS ... .SPOKE TO THEM TRYING TO CORRECT AND TO NO SATIFACTION
Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.
At the time of that vanity to gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope I submitting this it will put a stop to this issue from ever occurring
In XXXX, we returned our lease vehicle to XXXX  XXXX XXXX XXXX ( RI ) that was leased through Toyota Motor Credit Corporation ( TMCC ). A few months after turning in the vehicle and being told that because we were leasing another Toyota vehicle we would not be charged any wear/tear fees, we received an invoice for {$720.00} for wear/tear/tax and other miscellaneous receivables. We fought this invoice but ended up paying the {$720.00} through XXXX XXXX XXXX and that check was cashed on XX/XX/XXXX. A few weeks ago I was contacted by XXXX XXXX XXXX stating that I owed an outstanding balance of {$260.00}. I advised them that I had cleared up my balance with Toyota and requested a copy of the bill they claim I owe. I received a " Validation of Debt '' from XXXX XXXX with a letter from them stating the balance they claim I owe and a copy of the {$720.00} invoice ( that was already paid ). I spoke to representatives at both XXXX XXXX and TMCC and neither company could verify this amount in their systems, TMCC representative XXXX on XX/XX/XXXX stated he was unable to see this remaining balance in the system and the only amount he could see was the {$720.00} that was paid. I advised both companies that I would pay the invoice if they are able to provide me with an actual invoice outlining what the charges are for. I have requested XXXX XXXX to cease and desist contact with me and my relatives and will be sending a letter to TMCC demanding a letter stating that my account is paid in full and no future collection agencies will contact me, and to update my credit bureaus, if in fact this was reported to the credit bureaus.
From XXXX XXXX - XXXX XXXX I had a mortgage with XXXX XXXX XXXX. I was late several months on the monthly payment. I sold the house in XXXX XXXX. XXXX XXXX XXXX submitted and received the payoff amount. I want to stress the house payoff amount was paid to XXXX XXXX XXXX. After selling, I was notified the loan was picked up by NationStar/Mr. Cooper. I did n't pay any attention to the notice because the XXXX XXXX XXXX loan was closed out with the sell of the house. At no time during the settlement process did the title company indicate NationStar/Mr Cooper was involved with my house loan. 

On XXXX XXXX, XXXX, I received a copy of my credit report ( all 3 bureaus ) and noticed XXXX XXXX XXXX and NationStar reporting the same mortgage account as late. 

In XXXX XXXX, I submitted a dispute with NationStar/Mr Copper via XXXX and XXXX. NationStar/Mr Cooper replied with the account is valid and updated the account to 120 late. 

Yes I was late but that was with XXXX XXXX XXXX. Both mortgage companies can not - by law - report the same account.
When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.
My business experienced an entity change from XXXX XXXX to XXXX. I wanted to stop all charges to my XXXX XXXX card I used only for business expenses, so I could personally migrate those charges to my new XXXX   business credit card. I also wanted to stop all charges that had been going onto my account after repeated attempts to cancel them. Bank of America cancelled my card number and issued me a new card number, to be sent via mail. Before the card was even delivered, before I even knew the card number, and before I ever activated the card, XXXX gave out my card number to merchants who called and requested it without my permission to do so, or knowledge that they even could do so. Unknowingly, charges continued on my card to the current amount of over {$730.00} over the course of a month. Thats right, {$730.00} in transactions were charged to a credit card that is currently stuffed in the back of a filing cabinet in its still unopened envelope, never activated. I have never given out the card number to anyone as it is still in the unopened envelope so how would I. It has never been swipped, as its impossible to swipe a card in an unopened envelope. And in any event, it has never been activated either. All {$730.00} charges were unwanted and unauthorized. If a company contacted me to get a new card on file, and I deem the charge authorized, I would have given them a different credit card number. Furthermore, I was told by Bank of America there was no way to stop XXXX from fraudulently authorizing charges onto my credit card and jeapordizing my identity by handing out my card number to strangers. My goodness, I cant even call my bank to ask for my own credit card number, but theyll give it out to everyone else!
I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.
Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.
I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.
My payments on this debt are not being reported accurately. This debt began as a private student loan I took out while I was in graduate school. I finished graduate school XX/XX/XXXX and had no job and no other income. I defaulted on the debt because I had no way to make the payments. 
As soon as I was able to get a job and get back on my feet, I began making payments on this debt. I have made monthly payments for over XXXX years now, for a total of over {$6000.00} in payments. I still have over {$9000.00} left to pay on the debt. I have asked the lender for a rehabilitation option or some other way to get this debt back in good standing ( since most student loans have that option ), but they always tell me they do n't offer a rehabilitation option. 
Although I always make a payment of {$200.00} each month on this debt, this debt is reported every month as " Past Due. '' There is no way to tell from my credit report that I am making monthly payments on this debt. This company has agreed to accept $ XXXX monthly, and I pay them $ XXXX monthly. That agreement should be reflected on my credit report as " pays as agreed. '' Instead, I look like a deadbeat who does n't pay her bills. I just want my payments reflected accurately on my credit report. 
What makes the situation even more ridiculous is the fact that my father, who filed bankruptcy XX/XX/XXXX, has a better credit score than I do. I have made sacrifices and delayed goals like buying a house so I can pay off this debt. Even though I 'm doing the right thing by paying this debt off, I feel like I 'm being punished. Should I have just wiped out the debt instead by filing bankruptcy too? The way my credit report looks it seems like that would have been smarter. 
This debt is scheduled to stay on my credit report until at least XX/XX/XXXX. I 'm making payments every month. I just want those payments reflected accurately so I can move on from ruining my credit five years ago.
While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely upset with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.
- I applied for a mortgage at TD Bank. 
- I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. 
- I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. 
- I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. 
- I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. 
- A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. 
- We inquired about next steps and then they told us our loan rate was now 5 % interest rate. 
- I believe this is a classic case of bait and switch.
XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.