WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried numerous times to get my free credit reports from annualcreditreport.com. I have also tried setting up a Social Security Account Online. Every time Equifax tries to verify my information it fails, yet the other XXXX agencies say it is right. 
I 've called Equifax numerous times ( Maybe XXXX ) and spoken with them over the past two years trying to fix the problem or get an answer. They say they information I am entering is correct yet every time I try to get an online report the other XXXX credit bureaus give it to me no problem. Equifax NEVER! 
Furthermore Social Security uses Equifax to verify their system to create online accounts. I had to go into the office and have them override the Equifax failed authorization. 
Equifax checked my report reset everything I can login but yet every time I try to get any type of verification through Equifax it fails. They said all my information is correct and no holds are on the report of any kind? 
I am so sick of this problem. I have been trying to fix it for two years. I even have an agency helping my repair my credit and they have no idea what is going on neither does Equifax but it needs to be fixed ASAP. Places ca n't see the equifax report because the authorizations fails. I need this fixed as I am applying for a mortgage. 
XXXX XXXX XXXX XXXX - XXXXXXXXXXXX or XXXX
I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. Equifax shows me being delinquent XX/XX/XXXXbut the account was paid in full on XX/XX/XXXX. XXXX does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
I am very pleased to report that, subsequent to my recent query through the Bureau, I received notification from Mr. Cooper that they are re-initiating the short sale, using the buyer who is offering their requested price. 

I am enclosing the letter I recently received, which requests all the usual paperwork to fulfill my part of the process. 

However, the XXXX file that was re-opened seems to reject the new short sale, and my efforts and the buyer 's agent 's efforts have not produced any resolution of that situation. We wish to send my paperwork NOW, but it is not being accepted by XXXX. 

So I am back again, hoping to communicate more directly about this situation so it can be resolved asap.
I keep receiving calls from Midland Credit Management about a debt they say I owe. I spoke to them numerous times and explained that the person they are looking for is my uncle who has the same name. They get nasty and then ask me for my social security number and other personal information. When I explain its not me they say they will remove my number but the calls start again in a few weeks. I don't know how to get them to stop harassing me.
This is a complaint from XXXX XXXX ( consumer ) against Great Lakes for XXXX XXXX failure to provide requested information for the debt. On XXXX XXXX, XXXX, consumer ( through legal counsel ) responded with a written request for documentation, as this debt was included in a consolidation by XXXX. 

It has been nearly a month and a half since this request, and we have received no response. In addition, Great Lakes has began attempting to collect this debt via a third party debt collector since the date of the letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
A CitiMortgage rep told me my new payment would take effect in XXXX 2016 when I called them to inquire about the start of the new payment. I made payment in XXXX 2016 for the new payment total. On XXXX XXXX, 2016 I received a letter dated for XXXX XXXX, 2016 informing me my mortgage account was in default and had been reported to the Credit Bureau. I had never received any notification of this issue prior to this letter. I called CitiMortgage to find out what this was about and after discussion found that the rep had misinformed me of the new payment start date. The new payment was actually supposed to start in XXXX 2016. The supervisor I was speaking with verified through checking previous notes that the rep I spoke with did misinform me of the new payment start date and apologized for this mistake. She said she would submit a request to the Credit Bureau to have the report corrected. Citimortgage has since decided not to make anything right with this situation and has refused to send me any documentation on this issue or remove the late payment from my credit report. The company falsely reported information to the credit bureau and is also causing my current refinance I am going through to fall through due to the late payment report from CitiMortgage on my credit report.
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Clarity services pulled my credit report hard inquiry never contacted nor have I requested loans or credit cards in the past year. The also did my Fiance as well. Several times.
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my Equifax credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX Equifax correct documents when XXXX  XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
On XX/XX/2018 Quicken loans called me on the phone wanting to give me a loan for a home my wife and I am looking to purchase. I explained to them that I was already working with a lender and they ran a credit check on me without my permission. I immediately called the up and demanded it be removed at once. They kept on playing phone tag with me putting me on hold and transferring me with several different individuals. I explained to them that I was going to file a complaint with the FTC and I got the impression that they didn't care. This is the second time quicken loans did this to me the first time was in XX/XX/2018.
I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.
In  XXXX  of  XXXX , I received a notice from   XXXX   XXXX   XXXX   XXXX   that my loan was being transfered to Shellpoint mortgage. They sent me a bill in  XXXX  and I have been paying. However, very prominently displayed on my statement ( attached ) is a demand for {$29.00},   XXXX   I was shocked. I called to inquire and the representative said it was legal fees from when I modified my loan with   XXXX   XXXX   XXXX   in  XXXX . I was told it would come off the  XXXX  statement. However, when I called in  XXXX , I was told that I might owe this money. How can I owe this money when the modification happened in  XXXX  and I have been current and paying my bills?
The second issue is that this mortgage company has put forced placed insurance on me when they know that there is no structure to be insured.  XXXX  of  XXXX , the house for this mortgage burned down -- only the land remained. Even though I have been living like a dog, in trailer without water or electricy, I work two jobs to pay my mortgage. That property is all I have. ( You can read about my struggles in w  XXXX   ). I would like help before I get caught in the bureaucracy of this crazy lender.
I contacted equifax online over 1 month ago to dispute a duplicate account. All the information is the same except the name, one says XXXX and the other XXXX XXXX XXXXXXXX XXXX/XXXX..Equifax came back with results and verified as both correct. I called this past Monday XX/XX/XXXX and talked to XXXX for 45 minutes and submitted another dispute and it came back yesterday as both correct. I called last night XX/XX/XXXX and talked to XXXX and explained the same thing and he submitted another dispute. Equifax spends more time and money sending everything to the XXXX than protecting Americans. I'm the one that has to keep contacting them over and over again, than them just following the FCRA. Also, Evertime u call Equifax they say there system is down..Please help me
XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.
I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.
* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  XXXX   XXXX .
I have been divorced since XX/XX/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree.
Equifax has not taken proper precautions to protect my information ; as a result, all my sensitive information such as date of birth, SSN, etc. are now public information and I may soon be a victim of identity theft and other credit fraud problems.
Equifax could have at least hash the data instead of raw storage, but they carelessly have exposed the information of 150 million Americans ; this is serious neglect on their part.
Equifax has been quiet about this breach for nearly a month, this is seriously horrible. I received no notification about this breach to properly protect myself.
I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.
We were approved for a loan modification with Ocwen Loan Servicing. We are signing the loan modification agreement under duress. We are not being represented by an attorney, but Ocwen is being represented by an outside law firm, XXXX XXXX. I called to ask the status of our loan modification on Thursday, XXXX. Our relationship manager is a part of Ocwen 's litigation department. He informed me that our loan had been approved for a permanent modification on XXXX, but the numbers had not been released. Ocwen mailed out the loan modification and the documents were delivered to our home address on XXXX. 
I called the relationship manager on Monday, XXXX and he was unaware the documents had been mailed out. I sent an email on XXXX and XXXX asking questions about the escrow shortage, incentive amount, interest bearing principal balance, amortization schedule and balloon payment amount. I called the relationship manager on XXXX to see if he had any answers to our questions. He informed me that there was a conference call where my questions were addressed but he was not going to answer any of my questions or concerns over the phone and I would have to wait to get Ocwen 's response from their attorney. 
These signed documents are due back on XXXX and as of XXXX XXXX cst, we have not received a response from Ocwen or their attorney to address any of our questions or concerns. We are emailing the documents to our relationship manager, although our concerns have not been addressed because the documents are due back on XXXX and we were not granted an extenstion. Ocwen still claims that Option One Mortgage Loan Trust XXXX is the holder of our note, when the trust is reporting the principal balance which does not match any amounts provided in our loan modification. 
Our relationship manager is not knowledgeable of our loan and is either unwilling or unable to answer any questions or concerns we have regarding our loan or loan modification. Any questions or concerns we have about our loan or loan modification are always responded by their outside legal counsel, XXXX XXXX and XXXX XXXX is not in the servicing business to be able to address any questions or concerns we have regarding our loan or loan modification. XXXX XXXX responded to a complaint we filed regarding the borrower incentive amount we would eligible for, but the documents we received on XXXX had an incorrect amount of {$5000.00} vs the {$10000.00} that was provided in the response from XXXX XXXX. The documents claim to provide a payment schedule in Section XXXX in the Modification Agreement showing our payment plan for the life for our modification loan after the trial period. I do not see where this payment schedule was provided in Section XXXX of the Modification Agreement. 
I am not sure how Ocwen can be our loan servicer and can not and does not respond to any questions or concerns regarding our account. 
I informed XXXX XXXX, my assigned relationship manager, on XXXX that I would be filing a complaint with the CFPB based on his refusal to respond to any questions or concerns I had regarding the modification agreement and he said he had no problems with me filing the complaint.
The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated MESS
I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help