WillisBack/dataset-financial-user-claim huggingface dataset:
InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.
I am trying to payoff my Seterus mortgage with my savings and requested an online payoff.payoff online. After several days waiting for the quote, I called Seterus. The representative stated that payoff quotes took 7 to 10 days. Not sure why it takes the company so long as I was able to calculate the payoff in 30 seconds ... .. Very upset that I am paying {$30.00} a day in interest while I wait for Seterus to provide a payoff. Makes me wonder if the company is intentionally delaying payoff quotes to earn few XXXX dollars in extra interest.
I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from XXXX XXXX on XXXX XXXX, XXXX. The one is Chase Card inquiry on XXXX XXXX, XXXX.
I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX County and on XXXX XXXX, 2013 a  Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX XXXX ( a separate and unrelated entity from XXXX XXXX ) is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX XXXX. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the Court 's Order attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX XXXX have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX XXXX. This account was NEVER past due, delinquent or defaulted upon.
There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.
I am a victim of identity theft as of XX/XX/XXXX which Equifax is fully aware of as i've MAILED in several documents proving this. I have filed several complaints on Equifax after speaking with them several times over the phone. Just today, I spoke with a representative in the Consumer/Fraud departments regarding a bankruptcy showing on my credit report that does not belong to me. I have disputed this charged well over 2 months ago and today ( XX/XX/XXXX ) the dispute is still open/pending. After speaking with the rep over the phone, he stated that they ARE allowed to keep a dispute going for as long as they prefer if they do not hear from the company. The rep confirmed they received no response back from this investigation and have failed to remove this from my credit reports. which has affected my ability to obtain credit and/or apply for mortgage. Equifax is not honoring the following statement and has this account under the wrong credit profile. 

" Under Section 612 ( a ) ( 3 ) of the FCRa, Equifax is given 45 days to complete an investigation on disputes made after a consumer receives their annual free credit file ''.
I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!
I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.
I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.
I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with this matter
On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.
They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain credit.
After looking for cars in last 6 months. I had a used car dealer run my credit XXXX times that I did not authorize. After seeing my credit report I was shocked to see how many inquiry 's were on my report. I did not authorize any inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these inquiry 's to be removed. They are negatively effecting my ability to use my credit. There should be more control of people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.
It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.
I have disputed with Equifax several times about inaccurate reporting of " XXXX XXXX XXXX XXXX '' for missed payments which is already being reported by " XXXX Bank Student '' Loan. The 120 day lateness was for 4 months ( XXXX XXXX XX/XX/XXXX ). I 'm being penalized twice for each lateness due to the duplicate reporting on the same loan and time frame XXXX double jeopardy ). Results came back quick each time as verified yet it was not thoroughly investigated with the creditors. After XXXX of the disputes, the balance on the XXXX account was altered to make it seem as though they are different. I have attached pages from my credit reporting updates on XXXX different weeks showing both accounts for comparison. There is no way I can owe both creditors at the same time for the same loan. The lateness occurred at the start of the loan when it was transferred and due to the ambiguity of who 's my creditor, the lateness should then be deleted. 

And if they are both the same company, it 's unlawful for the negative duplicate reporting with a balance. On XXXX XXXX is only listed but whenever I dispute the XXXX account on Equifax, the company goes back and somehow the XXXX account on XXXX is updated too with the same information plus dispute notes added. After XXXX dispute, they even had my payments altered to show 120 Days late in XX/XX/XXXX which was incorrect ( please see attached ). Any other XXXX Loans I have on my account is closed/transferred so something is n't valid. 

This loan is cosigned by mother who also has negative reporting on her credit report that contradicts the dispute results as well ( please see attached ). XXXX is only listed on her XXXX. Both accounts are duplicate reporting on her Equifax and XXXX. However on XXXX XXXX is closed but they updated the closed account to show random lateness. 

Please investigate this matter because I do n't believe the creditors have any accurate records so I do n't know what the Credit Bureau is verifying.
On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.
The Credit Repair agency owner called my previous device in which I no longer have and has been given to a family member because I could not afford and left a voicemail calling me a coward for no paying what I owed even though I was told the money could be refunded for satisfaction guarantee and also stated account specific sensitive information in the voicemail. Also threatened to report to all XXXX credit agencies and hire an attorney to garnish my wages. Then he began to question my position in my company stating he does not know what kind of company I can be the head of because I am a coward and had funds reversed from their company. They have not sent me myself any communications through email which they have as well as anything to notify me of the fact I can not reverse the satisfaction guarantee funds.
I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators
I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. 
My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. 
My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. 
I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.
I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES
I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.
I applied for the Forgiveness Loan Program on XXXX/XXXX/14, I was given an acceptance letter from FedLoan Servicing. I contacted them today, spoke with four different customer service reps and no one is doing their jobs. They are too busy asking for social security numbers over the phone. I need the letter now.
3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. 

XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX   XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX
I had my mortgage with CitiFinancial I was late a few months on payments I got harassing phone calls and then I was told if we did not settle within 2 weeks they would contact a sheriff and have us thrown out I never received any information on any services that could help us catch up on those payments and we were never able to get to the principal we were always paying just on the interest thousands and thousands of dollars a year so after that phone call to kick us out we moved. I had an auto loan for which they immediately began to garnish employment checks for almost 3 yefor. XXXX XXXX, 2017 I received a letter from Citifinancial saying that they are going to forgive the remaining loan amount of {$280.00} we have not received any statements whatsoever in 3yrs say how much we have paid and what the dates were from those garnishments. I tried contacting them many times over 3 years to get balance owed and verification of payment they say they will send them but do not. Since I lost my home almost 4 years ago I have never received anything from them so I have no clue what I have been charged for except that each time they submitted a garnishment for wages I had to pay Sheriff fees collection fees interest fees on a loan for {$3000.00} I paid over {$14000.00} for not to mention I 'm a single mother who got my first home through the first time home buyers program and they took it from me what do I do? 2 times after calling and giving them my information I get disconnected when I call back they do n't answer. I recently discovered when going to check my credit report that on my mortgage they apparently sold it but they left a remaining amount of {$1.00} Wing them on my credit report!!!
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
I tried to make a online payment as I do every month with the same banking information, The system kept telling me a error message. 

I therefore called to Customer Service to initiate a phone payment, Customer Service has advised me that the online payment center it out of service and all payments must be done in the Branch or By Phone. 

In the mean time that I kept trying to make the payments, Wells Fargo had me reported 30 days late with the bureau. 

Thanks