WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
XXXX XXXX has left multiple messages at my home for my former sister in law. This morning they started calling before XXXX XXXX  and we explained that we have no contact information for her and havent heard from her in years and to please stop calling our number. They said they would update their records. They then called back 4 more times before I took my phone off the hook. But I have an elderly mother that night need me so I cant keep it off all day. It is my day off and I wanted some peace. When I spoke with them the 3rd time they called they said Ill probably get more calls because it takes time to update their records.
Once again, Mr. Cooper has continued to research and find answers to our question regarding our loan. Because of this reason, we have now uncovered the beginning of this ordeal, starting from XXXX. Where apparently the loan became pass due : We have received the arrearages/past and a due letter of explanation. Thank you. However, we could not follow what happened with two payments of {$1200.00} on XXXX and XX/XX/XXXX? After researching, the arrearages which reflect XXXX payments and not any discrepancies post-BK which was deemed paid up to date. According to our notes, we requested modification during the start of XXXX. We are requesting an itemized statement to account for a balance of {$15000.00}. As of todays date XXXX, with the help of the representative from Texas ligation/financial help department, we are requesting modification aid and we are appealing the recent 6.85 % interest rate. As a result, the modification documents due XX/XX/XXXX should be voided. Mr. Cooper has responded over the phone the interest rate of 3.85 % was an error and could not be granted. Furthermore, we were told this could not be granted because we were already delinquent when XXXX suffered a flooding disaster.
On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/XXXX
I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX. 

I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX. 

The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.
Disputed with the company since XXXX of last year. This account is not associated with me. I have been fighting this account since it showed up my report. This account is making it hard for me to obtain credit wise because its reporting negatively. I have reached out to the bureaus in regards to this. I have disputed it and nothing is done.
I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.
I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?
On XXXX XXXX, 2017, I filed a complaint against XXXX XXXX. On XXXX XXXX, 2017, XXXX XXXX agreed via CFPB ( complaint ID # XXXX ) that they would remove the negative information off all of my credit report. On XXXX XXXX, 2017, I also placed a dispute on Transunion via XXXX XXXX since they were the only credit reporting agency that continued to report XXXX XXXX. Approximately two weeks after that when XXXX XXXX continued to show Transunion reporting XXXX XXXX, I contacted Transunion. the representative claimed that I had not submitted a dispute and that he was going to submit a dispute on my behalf. I explained to the representative that XXXX XXXX agreed per the CFPB that they would delete the tradeline off of my credit reports, that the account has n't been reported on since XXXX XXXX, and every other reporting agency ( XXXX and XXXX ) no longer report this account. On XXXX XXXX, 2017, I received a copy of my credit report dated XXXX XXXX stating that Transunion completed their investigation into my dispute ( dispute number XXXX ). XXXX XXXX is still being reported and no explanation regarding why was provided.
The credit agency obtain this information from public records. We have since satisfied the balance with the State of Maryland and want this removed from the credit report. The XXXX of the State of Maryland did not send this to any credit reporting agency.
I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.
XXXX XXXX has had my account for more than a year for the Public Student Loan Forgiveness Program. As of today ( XX/XX/XXXX ), they still have not provided me with how many qualifying payments I have. I have made repeated requests, and they still will not provide me with an email or response via mail. I recently became unemployed and they provided me with incorrect information and advised me to put my loan into Employment Forebearance. My loan should have stayed in the IBR plan with a {$0.00} amount due so I would still get credit for a qualifying payment ( this information was provided on XX/XX/XXXX ). When I spoke with customer service on that date I was told I had either 48, 54 or 57 pending qualifying payments. After a year, they still don't have a set number. I then called back on XX/XX/XXXX, XX/XX/XXXX ( after hearing back from my local attorney general 's office I was told to keep the loan in the IBR and requested it ), XX/XX/XXXX and XX/XX/XXXX. Each time in XXXX that I called I wrote down the employee 's name and ID ( they didn't want to give it to me ) and requested an email or letter stating what I requested. The employee told me they would send one but I have yet to receive anything. I have even spoken to supervisors with no recourse. At this point I have no choice but to put my loan into forebearance and lose out on qualifying payments. Their customer service is so confrontational that they make me physically and emotionally ill!
I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from Equifax due to a the 7 year period from last delinquency. XXXX XXXX XXXX decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both XXXX and Equifax. Equifax states they can not accept my Support because XXXX reporting is overding. XXXX has provided letters attached that they say should be submitted to Equifax. Equifax says XXXX still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
I have been with PNC Bank for 21 yrs. On XXXX/XXXX/2015 I rented a car for 49 days. The total for 30 day rental is {$530.00} so 49 days would come to roughly {$870.00} or close to {$900.00} I wave all extra coverage at the counter & soon after I pick up the rental from XXXX XXXX car in XXXX Fl, they begin to charge my card excessively. I immediately contact the company & even was told by a representative that I was indeed being over charged & was referred to corporate however never being able to reach a live person nor getting credited for the excessive charges to my debit card. I never used my pin, always credit yet when I began my dispute with my bank, they continued to allow my credits to be reversed after I cancelled my card, as well as faxed all receipts & correspondence directly to the escalation dept handling my case. I am still batteling the bank & have been charged excessive fees, my electric was shut off, I had no cable, internet or phone therefore my child couldnt attend school, I could not work & my mother had no oxygen due to all of this! Many of my pay checks have gone into this account, only to be absorbed by negative balances because of the banks lack of professionalism in having one person handle my case but more hands in the cookie jar caused nothing to get done & myself as well as my XXXX children suffered.
Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you
On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX
Starting on XXXX XXXX XXXX I started contacting this bank ... I had a VERY personal situation and requested that the late fees be removed. They proceeded to tell me that it can not be done and I requested a contract to prove that. They mailed me a contract which has NO CLAUSE in it stating that they can not remove late fees. I asked about XXXX, then XXXX which happened after trying to hard to work with them and then again in XXXX. I have been getting no response other that computer generated responses which have not resolved the issue. On XXXX XXXX XXXX they sent me a message telling me that the account was officially in dispute and no changes would be made to the account until the dispute was completed including any negative credit reporting. They lied, they have negatively reported and have not resolved the complaint as of yet. I would definately warn against anyone using Comenity Bank I have other cards ( accounts ) with comenity bank other than XXXX and I have had no issues with them working with me. For some reason XXXX seems to be so difficult.
I have XXXX closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries
I receive d a letter last fall a dvising that my credit card account was being closed due to inactivity, which was great, because I was getting ready to call and cancel my  Chase Sapphire Visa  anyway. It had been nothing but problems and hassles and hidden fees [ like additional charges for paying off certain types of bills with your credit card - they likened it to taking a loan or gambling! That does n't even make any sense ] since I signed up for it and that was now  one p hone call I did n't have to make. I had already quit using the card, paid it off, and made sure to use/transfer all of my rewards points. Well, I notice an email abou t three weeks ago about a bill being due from Chase, which I found odd since the acco unt was closed. Lo and behold, I  see they have charged me annual fee on a card I was under the impression was closed, as well as interest charges. I have been speaking with their customer service reps via email for 3 weeks now ; it took forever to get any kind of real response, and they are stating that because the charge is from so long ago [ i.e. two months ] that they can do nothing to remove it. Well, the card SHOULD have been cancelled, and I 'm sorry, I do n't dig through my promotional email folder in gmail typically looking for things from closed accounts. They did finally formally close the account, but are still demanding I pay them the annual fee on a closed card [ which ALSO makes no sense ]. I asked to b e escalated to a higher supervisor and am still being told that NOTHING can be done. I am awaiting one more response, and have now threatened a BBB complaint as well as openly complaining about them on social media. I am hoping that contacting the BBB and you all will help. I know it 's only {$110.00} but it 's {$110.00} they do n't deserve.
around the time of XXXX XXXX of 2017 i noticed that someone was writing fraudulent checks on my WELLSFARGO bank account and a check was being deposited that sent my account to negative XXXX dollars and when i noticed that my account was in the negative and i have n't done anything to cause my account to over draft i called to dispute the transaction they told me to take my claim number and they will get back to me they called 2 months after they called saying they denied my claim because the person that deposited has made deposits to my account prior to this transaction but i told them that was n't possible because i am in south Carolina and the deposit was made in new jersey. customer service really didnt try to help me defuse the problem just sent my account into a collection
My Medical insurance information was not accurate and so they did not submit the bills to my insurance. I fixed the information and my insurance company should cover and pay for my outstanding medical bills. I gave them the information a couple of months ago and nothing has changed on my credit report. I do not owe these bills.
To whom it may concern, I submited a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispu ted information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
We had a hardship situation between XX/XX/XXXX and XX/XX/XXXX that caused us to file bankruptcy and we could n't make our mortgage payments. I will attach a " Hardship Letter '', explaining details. We have been working with Bayview Loan Servicing to get our mortgage modified or restructured to include the payments we missed. We provided them with hundreds of pages of documents. They say they send them to their underwriting department and then we get a notice saying we did n't provide everything they needed and therefore they ca n't modify our loan. Then we contact them and say we did provide everything they needed and the whole process starts over again. This has been going on for over a year. Recently, they started foreclosure proceedings and we have a Trustee Sale Date of XX/XX/XXXX. Since then I have contacted everyone I possible could to save our home and get Bayview to follow through. I have sent information to the White House, both of my Congressmen, Senators and XXXX Ethics Department ( they are the original mortgage holder ). I have sent everything Bayview has asked for. The most recent communication from them indicates they will have a resolution by XX/XX/XXXX, but they have given us a date like this, over and over and nothing happens. I ca n't sit back an wait for them to take my home. I need help to get them to take action. If they will just include the payments we 've missed in our mortgage, we can make our payments and be fine.
I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you
I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response