WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding a currently reported Federal Tax Lien filed by Clerk of Circuit Court, XXXX County, XXXX, Florida. I submitted a direct dispute with Equifax on XX/XX/XXXX. They did not complete a proper verification or investigation and came back with a " verified and updated '' result. I submitted a complaint thru the CFPB ( case ID XXXX ) on XX/XX/XXXX - on XX/XX/XXXX the response was " we 're still working your issue '' ( generically speaking ). On XX/XX/XXXX i received a letter in the mail again stating " verified and updated ''. The dispute is -- - The updated XXXX guidelines specify that public records must now meet new standards when reporting information or the information must be deleted from the report. I have sent Equifax directly documentation from the court house supporting my reported lien does not meet the new standards of the XXXX and that it should be removed. It contains a name, address, no DOB and only 4 numbers of the SSN. The XXXX guideline states it should contain a DOB or Full SSN. I submitted disputes with XXXX and XXXX for the same XXXX changes and both of those companies investigated and then removed the item, however Equifax continues to run my dispute thru an electronic system ( per XXXX it was called 'XXXX ' ) and nobody is actually reviewing my dispute or the documentation supporting it. I 've sent them an official copy of the reported filing ( attached to this complaint as well ) from the courthouse that clearly shows it does not meet the new requirements. This is my 3rd attempt to get this resolved and Equifax continues to give me the run around and refers me to other companies ( XXXX and the courthouse -- both of which have confirmed the filing does not meet the new standards ). Their dispute letter stated " please contact the local court for questions '' -- the same courthouse that provided me the official copy that I gave to them. In addition I did confirm today that Equifax nor XXXX actually contacted the court to verify the filing. So not only are they stating " we verified it '', they are lying about it too. The court confirmed today that the last time anyone validated this old lien was XX/XX/XXXX. The XXXX guideline also specifies these items have to be 'validated ' every 90 days. Even with a dispute to Equifax directly and the CFPB they are failing to properly investigate, which would result in the removal of this lien. Please send this follow up complaint back to Equifax for ANOTHER dispute as they are not properly investigating or even reviewing the information I provided for the dispute, which also violates my rights under the Fair Credit Reporting Act laws in the process. Please have this investigated again. The attached file is a copy of the original dispute letter I sent to the Equifax, along with a copy of my FL DL and SSN verifying my identity, a copy of the official tax lien filing showing my record does not meet the current standards and a copy of the 'results page ' they sent to referring me to XXXX XXXX the XXXX County Court .
CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.
I had a card with XXXX XXXXXXXX XXXX XXXX  XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines!
My american express blue cash credit card is supposed to pay 5 % rewards on XXXX categories of spending at supermarkets, drugstores, and gas stations once I reach XXXX in spending for the rewards year. i reached the limit with XXXX in spending as of my XXXX/XXXX/16 billing. Since then I have continued to get only the low 1 % rewards with my XXXX, XXXX, and XXXX billings. I have called many times for the last 3 months without success. My last contact was an email stating my rewards were correct, unsigned with no callback number except for general customer service. Calls made since get only long waits, transfers, and promises to investigate all without success.
I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage.
I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.
I am asking to Experian open an investigation for having a wrong information in my credit report, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. Experian is putting in the credit system that I have an record public with " XXXX XXXX XXXX XXXX XXXX XXXX. The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. That account is from 2017 and I have never had a bankruptcy. Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged record public. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. Have an information inaccurate or incomplete items in record public and credit history have serious consequences. Please delete the misleading or inaccurate information. Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.
I sent Capital One two Legal Notices, and two Promissory Notes, via Priority Mail, that they received on XXXX, 2017, Tracking Number : XXXX. 
The Legal Notices and Promissory Notes were for accounts ending in XXXX and XXXX ; I specified that the Promissory Note is Legal Tender, and a Negotiable Instrument in line with the Uniform Commercial Code, and the GAAP, ( Generally Accepted Accounting Principles ) which are the guidelines that banks are supposed to abide by. 
XXXX XXXX XXXX failed to take action on my Negotiable Instrument in the allotted time allowed by law and is refusing to except my Negotiable Instrument as Legal Tender to satisfy and discharge the debt that I had with them, in spite of what the law says. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by XXXX of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item. 
UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.
on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,
My father wanted to send money to his sister XXXX. He sent my sister to handle it through MoneyGram XXXX at a WalMart that uses MoneyGram. Instead of setting up her own information, she used my XXXX her sister ) information for the same address to be used as the sender. When my aunt went to receive the money, it was under the impression that it was under my father 's information as the sender. Using the wrong information, she can no longer receive the money. While trying to talk to WalMart about this, they told us it was MoneyGram who was holding the money. I tried to contact MoneyGram this morning, but their automated help system was less than helpful to say the least.
The reason for my complaint is because I have requested for Advanced resolution service to freeze my file on several occasions and they have not frozen or responded to my written request. I need my file frozen ASAP
I applied for a loan in XXXX 2016 w PNC Bank, their loan # XXXX. The appraisal came back great, 40 % loan to value, and after I paid for the appraisal as well as documents from the condo association ( {$750.00} ) I was given conditional approval per the processor. The last step was the condo association be approved by PNC Bank. After 4 weeks, they decided the would not approve the condo, and closed the file. Finally, on XXXX XXXX. By now, my chances of refinancing are lost because of their processes. Approving condo should have been the XXXX step - not the last. Now I have lost the opportunity to refinance at that rate.
After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.
On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.
I have an outstanding balance of {$200.00} USD on coinbase and they ask for my debit card information so that i can pay. I give them my debit card information and my account was locked and payment pending ever since  XXXX   XXXX   2017 . I email them several times and they told me that i need to deposit enough   XXXX   currency to cover my outstanding balance and when i told them that i have enough   XXXX   currency in my account to cover it. They told me that they have issue charging me that amount. It has been more than a month since this issue and it has not been resolve. I am not sure why it is so hard to charge me for the outstanding balance since i have purchase from coinbase multiple times. Now i am unable to withdraw the funds i have in my account and will take legal action if needed.
For your info I just recently put in a complaint for Mid West Recovery known as a  scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond
Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.
Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report
I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : XXXX
I have disputed an item on my Equifax credit report 3 times with documentation and it appears that Equifax is not investigating my credit report because they continue to negatively report inaccurate information. The item in question is a Released Tax Lien that was filed in error, and it should be taken off of my credit report. I have attached documentation received from the California XXXX XXXX XXXX to the dispute clearly stating that the lien was filed in error and Equifax continues to ignore the letter. I have went to the XXXX XXXX XXXX XXXX and provided Equifax with the index and page number of the Public Record XXXX page XXXX and it appears that Equifax is ignoring the supportive information that I am providing. I addition, I have queried the tax liens and my lien is listed on XXXX lines with the first XXXX stating that the lien was released and the XXXX line stating that the lien was filed in error. In addition, the recorders office indicated that they are willing to verify my information to Equifax if they call the XXXX XXXX XXXX XXXX at XXXX. While I have spoken with an individual at Equifax she appeared scripted and refused to let me speak with a Supervisor.
12 years ago we had acredit card debt with chase and when the rate increased we couldnt afford monthly payment.XXXX sold the debt to mcm and XX/XX/XXXX file judgement against us. On XX/XX/XXXX on bank accounts were frozen with no warning the debt was for XXXX XXXX XXXX XXXX put holds of {$22000.00} and XXXX we had a balance of XXXX. In the account. Have been to XXXX XXXX XXXX to have them Pay the debt mcm said that they will not take more than what we owe. Another trip to XXXX now says sent {$8200.00} to release our account. We had no way to get money. XXXX will not explain why they sent XXXX more than what we owe. We have received no breakdown of funds they just took our extra money. Very sad that a bank will take extra money with no explanation. No way to get medecine and mcm said the bank could keep this frozen for 4 months.This money was for a funeral for my brother in law XX/XX/XXXX. Now mcm is threatening more accounts that we have not received any documentation for. Is this how XXXX and mcm treats s sr citizen. We would appreciate the help. These are unsecured debt from over 10 years ago. Thank you
I HAVE HAD AN ACCOUNT WITH SANTANDER AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX . Santander decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.
Equifax received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little 2 digit code to verify and received a 2 digit code back. This collection belongs to a business not me and that was verified by the original creditor.
I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.
I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.