WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2017 I have been trying to dispute inaccurate information on my Equifax credit report. I have been unsuccessful at opening a dispute due to the online dispute portion of the Equifax website being " temporarily unavailable ''. I have tried several times a day since X/XX/17, and as of today XXXX  the Equifax online section to submit a dispute is still " temporary unavailable. On X/X/17 I called Equifax to inquire about the technical issues on there site. The Equifax representative informed me that he  could open a dispute over the phone. I was then asked questions to verify my identity. I then Informed the rep that I wanted to now put someone else on the phone who I authorized to speak on my behalf to better explain the reason for my dispute and give all supporting details for me because the Equifax rep was having trouble understanding many of the things I was saying, because of my accent. The Equifax rep told me that even though I felt that I could not fully explain myself, he was unwilling to speak to anyone else but myself even though I authorized it. I feel have not been giving a fair chance to dispute this hurtful inaccurate information in a timely matter, because # 1 the dispute portion of the website has been down for several days and counting, # 2 the Equifax repesenative refused to let me hand the phone to someone who would speak on my behalf to to open a detailed dispute without a language barrier in the way. I have yet to be able to open up a dispute. I feel like I was treated unfairly and not given the same opportunity as others to open a dispute and have detailed information verbally given to support my claim.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms are submitted.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX has forms for lost credit cards free they at XXXX won, t release lost credit cards XXXX , XXXX XXXX Branch Manager, XXXX XXXX left on claim without issue money or funds on our account XXXX left and we won the Grace Period represented by XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented in Federal Court XXXXXXXXXXXX represented We have XXXX. Authorize Nrt excepted application XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Complaint. Supreme Court has Law Judge, s Misconduct NYS Commissioner of Human Rights XXXX has harassment @ Housing Complaint. Housing Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Novelty XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX Lawyer. XXXX XXXX XXXX XXXX. Banking in XXXX has Settlement Forms
XXXX case # XXXX & Kohls/XXXX XXXX card for Kohls store. THIS case is against both of them as a ) this issue never became one and b ) XXXX ruined my credit score downward my -10 points for something not my fault. 

In either XX/XX/XXXX or XX/XX/XXXX I made a purchase with a brand new, just that day, Kohls card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from Kohls and oh my gosh! I 've not paid my bill!

I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from Kohls on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS KOHLS DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
Not a complaint its a plea for loyalty for loyalty. I have been with XXXX for almost 30 years. i have a charge i made that is a JOINT bill and i have to take someone to court to get it paid and me paid. I have paid what i can. i am asking for the interest to be WAIVED for 3 months until i can get the money based on my good record. I know as of the writing of this no interest has been assessed but it will be shortly. PLEASE consider this based on my excellent record and excellent long term payment history with Citi. Card ends in XXXX Just 3 months. I have written in to Exec customer service with no response.
MY XXXX  CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE CAPITAL ONE ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND XXXX AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY
A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. 

We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. 

Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. 

My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. 

The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. 

Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. 

Thank you.
Today I purchased my  credit score and  report from TransUnion via online and also included in the purchase was the same information from   XXXX   and  XXXX . There was a major discrepancy in the scores at which point I contacted TransUnion customer service and was informed t hat the credit score I pur chased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score TransUnion reports to credit lenders when they inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in   XXXX   and I received a letter from my previous mortgage company that my  credit score thr ough TransUnion was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.
I have requested MULTIPLE time from this company to validate this debt which I do not believe I owe and have no knowledge of. I have sent several letters to both the collection agency and also to a " law firm '' whom I believe is n't a law firm but a fake letter meat to look like an attorney I have not received validation nor has this been removed from my credit while its being validated and it has also been disputed with all three credit bureaus with no success. I ask that this be addressed immediately as this has been going on for months.
on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.
This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.
I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report.
GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.
Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.
I am very concerned about policies limiting financing to companies engaged in the gun industry! I believe this is a violation of anti-discrimination law. What happens when the banks decide that we should no longer purchase vehicles which use fossil fuels, that we should all drive solar/battery powered cars? What happens when prolife organizations are deemed unacceptable by lenders? What would happen when black businesses are deemed too risky? What right do lenders have to pick the policies that we are all forced to live by and suppress policies with which they disagree? This is a very dark and dangerous path for us to choose and I would suggest BOA and XXXX XXXX need to take a step back and reconsider their policies regarding the gun industry and if they will not they should certainly be held accountable for this dangerous behavior! To me this is very comparable to the baker providing services to gay individuals, to separate restrooms for white versus black individuals, and even to equal pay for women versus men. We all supposedly ascribe to the principal of equality and these new policies of BOA and XXXX certainly violate these principals.
I am filing again a complaint against Navient Student Loan service YOUR bureau is supporting the XXXX XXXX XXXX XXXX ; folks like myself who were DECEIVED by being told if we make the 120 month payments : be eligible for XXXX Forgiveness. Lawsuit states there are MANY flaws in that expectation Also deception with WHY I qualified in every way except Navient 's reason : private loan Read the lawsuit now in force. 

I want to join that lawsuit and I want your help this time in making that a reality You blew me off a month ago, with a lame excuse of nothing you can do Well, THERE IS SOMETHING you can do!!
I have an XXXX XXXX XXXX. it says XXXX XXXX blocked my round ups from going to my account. I've tried contacting customer service & I'm told " that they have nothing to do with it. '' Looking for answers ... 
thank you
To whom  it may co ncern, On today,  XXXX / XXXX /  XXXX  .  XXXX  at  KeyBank  in  XXXX , VT, told me that I would not be allowed access to my funds in my bank account. I work overtime every week and I have  two smal l children. I can not feed them, I need access to my money!
I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge.
I have been disputing this issue with the creditors and the credit reporting agencies XXXX  for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but XXXX has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.
Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.
I previously filed a complaint against Equifax and they say that they are reinvestigating info on my report and they are not. Hence the info attached that was provided to me by the company they are reporting differently than what the company is saying they should. XXXX does not have a balance and they updated my report today with a balance ( Equifax ) several of my accounts are showing a payment history and per my attorney in my bankruptcy they have no right to any longer report historical data and i have addressed this several times in my report the investigations are false and so are the reinvestigations and they need to remove these accounts from my report being that they have not done what they were suppose to do they have no right to report incorrect information on my report or information that I am protected against in my bankruptcy The proof attached shows you and them that they are not reinvestigating they see updating their records through info they previously obtained
I have been trying to work with Wells Fargo for over a year on the short sale of a XXXX property.I have provided Wells Fargo with all requested documentation to process the short sale, and have a short sale offer on the property. Over the course of a year, Wells Fargo on several occasions has denied receiving documents despite documents being sent on multiple occasions. They have not returned phone calls, have taken actions, such as placing the home out of short sale and into foreclosure without explanation and refusal to give explanation, and have not explained essential information regarding their processes for the consumer and realtor. A short sale proceeding that could have been resolved by XX/XX/XXXX, continues. The latest report from Wells Fargo is that the short sale request is being reassigned to another negotiator in their liquidation department, with refusal to explain why the short sale is being reassigned. In addition Wells Fargo is again reporting they have missing documentation required to proceed with the process, despite it being provided previously to proceed with the short sale up to this point in time.
Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Experian displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX ), those accounts have been listed like that on Experian for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX  & XXXX ). Despite my several attempts to correct these issues with Experian, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.
I secured a home mortgage in XX/XX/XXXX with a mortgage company affiliated with XXXX, which dissolved in XX/XX/XXXX. In XX/XX/XXXX, I stopped paying the mortgage as I did n't know who held my mortgage.In XX/XX/XXXX, XXXX claimed to hold the mortgage and brought a foreclosure suit. On XX/XX/XXXX, a XXXX County Foreclosure Court Judge dismissed the case as being without merit. Now, WELLS FARGO HOME MORTGAGE and its servicing company, AMERICA 'S SERVICING COMPANY, put themselves on all my credit bureau reports as the same mortgage holder for the same XX/XX/XXXX mortgage.I disputed the credit bureau reports in XX/XX/XXXX and those XXXX companies refused to remove themselves from my credit bureau reports. Can you please help me rescue my credit bureau reports as it is ruining my professional career with XXXX.
I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.
As of today XX/XX/2018my ancient balance is XXXX. My original loan was with Sallie Mae it was sold to navient and when I was contacted by them it had doubled now over triple my original loan amount and they expect me to be able to pay this. The payments they want me to make are high and I am single parent unable to and ethically don't want to because of how they fraudulently added so much money to my loan. Why am I being asked to pay XXXX   extra on a XXXX dollar loan? I would like to be part of your lawsuit against Navient. They are crooked. They will offer ypi deferment or forbearance bit after that your balance is 5 to 6 thousand higher each time. My loan was originally XXXX   now the balance is XXXX. Ridiculous.