WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the negative information reported by Equifax since XXXX XXXX XXXX. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history  unfavorably.
recently i talk to best buy credit card about the interest charge.almost XXXX dollars where from they say first i have a late charge i said i talk to your customer respentive they say will take care for me i say i pay full amount for last XXXX statment why i have interest charge they said because the billing cycle i say every credit card i pay only pay for stament amount not worry about your billing cycle i ask them to to take care they refuse to take care you need to pay for billing cycle interest i feel that they are not honest to customer they are cheating.
According to section 6.11, I have been gravely affected and my credit score is suffering badly. I am requesting that all the credit inquiries be removed.
My wife and I have past due medical accounts from XXXX and from XXXX that have been placed for collection with State Collections Services. I have on several occasions requested over the phone and through fax letters that any and all communication regarding these debts need to come to me through my email, my cell phone or my fax. Yet, CSS continues to try to make contact with my wife - either through her cell phone or at work - activities that I have expressly forbiddened and in clear violation of the law.
In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?
I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!
Our Mortgage loan started with Country wide, and got sold to XXXX XXXX XXXX, then resurgent which then got sold to Shellpoint Mortgage Servicing. My husband got laid off for 7 months, and we were falling behind. This was a year ago mind you. Every time we sent the documents they claimed they did not have enough information and documents, which was a straight out lie! We would re-submit the files, and by the time they processed the information it was already expired! this is a clever way to collect illegal fees, and make you fall behind even more so they can foreclosure on your home. We were only three monthe behind when this started, and were ready to pay at that point a year ago, but our Account Manager advised us not to pay because it was in review anyways. Any time we tried to make payments online, it would not allow us to pay. To this date we are still playing this game, and have no idea what to do? We do not want to lose our home, and are willing to work with them arranging some type of loan modification, but they keep saying that they ca n't help us because we did not send the information they needed, which is a flat out lie! We have proof from emails sent back and forth with their company. countless phone calls to get a voicemail, and no answer..they claim they do n't have to leave a message. Now our fees they have added has grown to a rediculous amount that we ca n't pay..of course. They want us to lose our house! Please help us keep our home, and get us on the right track with a proper loan modification.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back.
The company that owns our property has changed loan services multiple times over the past 5 years, and now with this new company named XXXX XXXX all of a sudden our payments are late or not posting on time to cause late fees in which those have increased as well, we are not getting our grace period and no one seems to know what it is. The late fee went from {$15.00} to {$30.00}. Our escrow has never been low, but now there is not enough to cover our state taxes in which has now caused our payments to rise. I XXXX faxed sales disclosure forms to the loan servicing office for someone to fill in the blanks for our homestead taxes which will lower the taxes and they have refused. The last guy named XXXX ( No last name ) that was in charge of our loan through this company, noticed the late charges that should not have been accumulated on our billing statements and he then was fired from the company. We feel this company is trying to make families in our position loose or take their homes because of these issues. My husband and I have tried to talk to the company and get nowhere. They first stated that they couldn't receive biweekly payments just to find out they told us wrong the first time, we also had to make changes to our bank account in order to deal with this XXXX   company. We are sending copies of the documents of payment history, current statement, and documents from the county office that shows the owner of the property for the homestead. I have never had problems with a company like this, if you look at all payment history from XX/XX/2009 to now, we may have had a few late fees, but my payments were ahead until XXXX took the loan. The last photo is of the letter we receive every month because the payment hasn't posted in their system and no one can tell us a correct grace time, and if this isn't enough I can provide bank statements as well. Prior payment history should be available to see our payments were no problem before XXXX. I feel this is discrimination and something needs to be done now!!
Company is now ignoring all requests for information- complaint XXXX was not responded to in a proper manner, please forward this complaint to enforcement as company is attempting to collect on criminal usury interest amounts. XXXX USD off a XXXX USD credit limit. I've enclosed a spreadsheet showing civil usury which this company is obviously guilty of, but by their own admittance, the interest was only calculated on a 3 year period.
This company closed my account arbitrarily in   XXXX   XXXX   soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my  XXXX  report that is dated  XX/XX/XXXX  I should n't be punished for a company 's bad policies that have nothing to do with the current customer as they acted in bad faith with this account.
I have received muliple solicitation type mailings from multiple companies about " possibly '' being sued then this company called me and used threatening tone and verbage about pending litigation. I checked with my county of residence and learned there is nothing filed so the rep was not being truthful.
I believe that Citibank erroneously issued me a XXXX, Cancellation of Debt. I sent a package to Citibank on XXXX XXXX, XXXX with the necessary documentation, including my credit reports back to XX/XX/XXXX, but have had no response from Citibank. 

In XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX, XXXX requesting over {$42000.00} for Citibank account with the number ending in XXXX. I checked my quick books records as well as my credit reports and found no credit card with that number. I disputed the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response I received some statements from Citibank showing balances of {$37000.00}, {$38000.00}, etc with interest accruing at approximately {$1000.00} a month. I responded to Citibank with information regarding the statements and the fact that the card does not appear on my credit report. I have a copy of that letter. 

I heard nothing from either XXXX XXXX XXXX XXXX, XXXX or Citibank until a XXXX was issued in an amount just over {$17000.00} for the XX/XX/XXXX tax year. 

This erroneous XXXX will have serious ramifications for me and not just any potential tax liability. The IRS can unwind any erroneous tax calculation at any time. However, this error impacts my XXXX subsidy and my son 's college financial aid. Our FAFSA will need to be linked to our XX/XX/XXXX XXXX before the fall term. I will be able to demonstrate actual damages that may NOT be able to be rectified, i.e. my son 's Financial Aid which has strict deadlines, if this matter is not looked into and investigated. It needs to be resolved promptly. 

Interestingly, I was sued by Citibank back in XX/XX/XXXX for a little over {$16000.00}. Citibank continues to collect on that judgment, issuing garnishments, etc. The lawsuit filed by Citibank states that this is for an account ending in XXXX, however, subsequent exhibits attached to a Motion for Summary Disposition ( of which I do not have copies but the court and Citi 's law firm, XXXX, XXXX and XXXX should have copies ) included statements for an account ending not only in XXXX but also XXXX. Both those accounts are reflected on my credit reports. I believe that the XXXX account number changed when XXXX XXXX XXXX XXXX was acquired by Citibank, hence XXXX numbers for the XXXX account. That suit was filed in the XXXX District Court in XXXX XXXX, Michigan, case number XXXX. ( The XXXX is for XXXX XXXX since the court also meets in XXXX and XXXX ). 

In summary, I have no records of any credit card with this number. Not in my accounting software nor in my handwritten hard copy back up. It has never appeared on my credit report, at least since I have regularly pulled those reports starting in XX/XX/XXXX. In XX/XX/XXXX all my accounts were reported as current. There is no record of this credit card from XX/XX/XXXX-XX/XX/XXXX. When asked for any proof, all that was provided were some recent statements that showed no activity, just a past due balance accruing interest. I was sued by CitiBank back in XX/XX/XXXX for an almost identical amount. Citibank has a judgment on that amount and their attorneys continue collection procedures.
Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.
My mortgage company continues to take escrow on my home owners insurance even after i paid the full premium off in XX/XX/XXXX.
I have a card with Care Credit. They informed me that it was six months of no interest. Now they just added a large amount on my balance. I called and they said that they added all of the past six month interest on the card. That's not the agreement that they gave me. This is not right
On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you.
My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines
This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}
I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.
Have been trying to complete a short sale for over 2 years with Rounpoint mortgage. As of XXXX XXXX they have all documents to make a decision. It has been 53 days now and they still will not make a decision or respond to me. I was told they would approve or decline the short sale in 30 days after they have all docs needed were received. I have a cash buyer ( XXXX cash buyer that has tried to purchase the property ) and he is not going wait much longer. This is not how any mortgage company should be operating. I do n't know why it is taking so long.
On XXXX XXXX 2016, I lifted my credit freeze successfully by internet, with XXXX and XXXX. Per the credit bureaus policy, we were required to pay {$10.00} to each bureau to do a temporary lift from XXXX XXXX to XXXX XXXX 2016. Now : I then tried to lift my credit freeze with XXXX by internet and the website stated to contact XXXX. I figured that I did something wrong so I tried three times. Each time I submitted the request, XXXX denied my lift request stating that I need to contact XXXX. On XXXX XXXX 2016, I contacted XXXX and explained the issue. They transferred me over to a representative to handle my request. On XXXX XXXX 2016, I checked my bank account online and found that XXXX charged my debit card XXXX times in the amount of {$10.00} each, a total of {$40.00} and was pending on XXXX XXXX 2016. On XXXX XXXX 2016, I contacted XXXX an notified them of what had occurred. They stated that I need to speak with personal solutions. The representative then transferred me. At XXXX, I left a detailed message with XXXX personal solutions and requested them to call me. As of XXXX XXXX 2016, XXXX failed to contact me regarding the XXXX charges that I did not authorize. On XXXX XXXX 2016, I rechecked our bank account online and found that Wells Fargo Bank N/A has now changed our statement to reflect that XXXX charged our debit card XXXX {$10.00} payments on XXXX XXXX 2016 instead of XXXX XXXX as documentation reflects. On XXXX XXXX 2016 at XXXX, I contacted Wells Fargo Bank and filed a complaint, claim # XXXX. I complained about the XXXX extra charges from XXXX that were not authorized and that Wells Fargo changed our bank statement postings. On XXXX XXXX, these charges were pending transactions. Then Wells Fargo changed these transactions to XXXX XXXX reflecting pending transactions. The question is, did XXXX commit fraud by over charging us? Also, why did Wells Fargo Bank change our pending transaction dates? We have a printout of our account on XXXX XXXX and XXXX XXXX 2016 for documentation! Willing to provide the documentation if needed!
My name is XXXX, and I have been working with Bank of America 's home loan team for the past few months regarding a refinancing of the home loan for my second residence down in XXXX, FL. 

My loan application was rejected by BOA on XX/XX/2016 due to the % the of investors in the complex being above some predetermined threshold set by some agency. 
My frustration in this whole process is three-fold : 1 ) At no point during the home loan process was this ever identified as a potential risk. I would think that the loan originator ( XXXX ) or someone in loan processing ( XXXX/XXXX ) has done a cash out refi on a multi-family dwelling, and they would know that this was a potential issue. 
2 ) My closing date was pushed back 3 times and I was informed of the rejection the day before my 3rd closing date. This has left me absolutely scrambling as I am now having to start this whole process again nearly 3 months into it. 
3 ) When I was informed of the decision, no one from BOA advised me as to alternative solutions nor what the next steps are from here. XXXX provided me with the bad news, and she committed to connecting with me that week to discuss if there were any other options available to me. I have left dozens of emails + Voicemails with XXXX, XXXX, and XXXX since XX/XX/2016, and none of those individuals nor anyone from their team has responded back to me. 

I have been a very loyal BOA customer for over 15 years, and I have never had such a negative experience with this organization as I have had during this process. I have spent nearly {$1000.00} on appraisals and fees with nothing to show for it. 

I financially support my XXXX mother, and the money from this loan has been earmarked for her medical expenses. We are now having to delay appointments and treatments until I figure out a financing option ... .all of this occurring during the holidays. 

It is equally maddening that BOA states that customer service is a priority, and all of these individuals ' voicemail indicate that they will return the call within one business day.
I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.
I refinanced my student loan back in 2017 with XXXX. When I did this I setup monthly payments for $XXXX/mo with them. I just spoke to XXXX & asked about those monthly payments, they said they haven’t received any of those at all. And advised me to make a complaint. So in actuality XXXX XXXX has been taking money from my account every month, and none of that money is going to my student loans at all!
I went to XXXX for help with my mortgage because I fall behind with my payments, XXXX, tried to contact Nationstar mortgage for the past 3 weeks, to find the full amount of payment and got no responds .the representative from Nationstar would not return my phones nor the calls XXXX XXXX 
when I spoke with XXXX XXXX .said he has been missing calls from myself and from XXXX representative he also tell me that I would have to pay lawyers fee but told XXXX that persons from Pennsylvania do n't pay the attorney fees this is how Nationstar mortage conducts their business. 
after witing them a letter of hardship 6 months ago .finding that they have no intention of working with me. my counsel that they no allow anyone to pay back payments on a 60 month payment only 12 month payments. 
now I 'm at my wits end ..
My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.