WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I complaint to their executive office about not having online access to my new account ending # XXXX and they were over an hour on the phone with a Rep by the name XXXX and the call ended after following troubleshooting steps that was submitted to their digital office to be dealt with their back office and I was promised that they will call me back with a resolution within a day, after over a week on XX/XX/XXXX I called back XXXX and asked what is going on and he had no clue and after being on the phone with him for hours he just didn't seem to know whats flying and what was last week only after a nailed him down he agreed to listen in to last weeks convo and came up that the escalation was rejected which is non sense as we all confirmed the submission while we were on the phone, he seemed not be knowledgeable nor capable to handle this before listening into the convo he just wanted me to redo things again and again.I demanded to talk to a Supervisor which he transferred me to someone by the name of XXXX and he was the same non sense and also promised me to call me back and he never called me back so on the XXXX I called back XXXX and he again started with the same none sense and couldn't explain me why the escalation was rejected in the first place and he just kept on going in circles with me. I was left without any resolution.
XXXX XXXX XXXX XXXX, OH XXXX Tried to refi and the made it very difficult and used my race to determine the rate along with I gave them every document they asked for. I have never been late on the mortgage over ten years. I finally told the to cancel it bc of the harassment from everyone that contacted me. 

Spoke to many people over a XXXX refi. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - lost her number bc she called so much
SPS servicing has been stalling my loan mod application since XXXX/16. 
They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. 
The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. 
Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.
I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. 

A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. 

I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. 

The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.
Hello, I have file disputes with the 3 credit bureaus XXXX XXXX, XXXX for deletion of XXXX tax liens due to lack of minimum reporting requirements for consumer personally identifiable information. Those requirements include Full name, Address, Full Social Security Number. and Date of Birth. ( 1 ) Copies of these Liens from XXXX District Courthouse in Massachusetts were faxed to the bureaus as well as supporting documentation. 

XXXX and XXXX deleted both from my credit report in a timely fashion. 

TransUnion deleted Massachusetts Tax Lien ( DOCKET # XXXX ), but declined to delete the other, Massachusetts Tax Lien ( DOCKET # XXXX ), amount {$4000.00}. In a letter dated XXXX XXXX, XXXX they have stated that this item was verified, Results - Information Updated. 

I am requesting that you please assist me in compelling them to delete this lien from my credit report due to the lack of the required criteria listed above. I am sorry, I have looked extensively for a precise title, chapter, statute, but have come up empty. I have however included a footnote from TransUnion 's white paper regarding this matter. Also attached are a copy of the Lien and the Release of Lien, as well as two pages of the TransUnion letter detailing their actions. 

Thank you for your help in this matter.
The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion XXXX XXXX
A charge of {$51000.00} appeared on my credit reports after a dispute with XXXX ( on behalf of XXXX XXXX XXXX. This account does not belong to me. 

I was shocked to see this report, after XXXX XXXX XXXX agreed during our numerous phone conversations that this is a case of mistaken identity. I have never utilized any form of air transportation. They confirmed that my social security number, date of birth and address did not match the client you were searching for. I assume all of the personal information i gave was used to trash my credit. 

Also please note that the date of service on attached bill below XX/XX/2016 was before I even resided at this address. In order to steal my identity, someone would have known where I was moving before I did. This is NOT identity fraud. It is fraudulent use of my information by XXXX. 

In attached, please note that my last name does not match their clients. 

They acknowledged that I was not their client. But then shortly thereafter, my credit score dropped from high 800s to XXXX. 

Since these mistaken charges have been placed on my credit report, I have suffered tremendous financial loss. 

I have sent certified mail dispute letters to each credit bureau, XXXX and XXXX XXXX XXXX. XXXX responded with mail assuring me that this is actually me. 

This is not my account and I would like this false information removed from my credit reports. 

Thank you.
I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
On XX/XX/2018 an FHA Valuation appraisal was performed and is currently flawed and tainted I requested another appraisal from XXXX XXXX. At Mr Cooper mortgage company the parent company of XXXX XXXX and the request was ignored. There were Violations of the Uniform Standards of Professional Appraisal Practice Standards. USPAP. Improper influencing of appraiser or the appraisal process. appraiser failed to follow specific FHA instructions for completing appraisal report form. FHA Appendix D Valuation protocol appraisal requirements 4150.2 page D 1
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX  and XXXX  So far it has been almost 2 full months and  this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused
Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!
I have attempted to contact Portfolio Recovery many times with no follow or success. They refuse to validate the debt they are saying is owed. They state they are collecting on behalf of XXXX XXXX. I currently have a XXXX XXXX credit card so it makes no sense to have a current account but they are saying this account is from 2014 which is not true. This is not my account. Maybe it was my ex-husbands account but yet they refuse to send me proof that it is my account. I even sent a certified letter to reach an agreement to get this off my credit. This is keeping me from purchasing a vehicle.
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.
Chase Slate account ending in XXXX A dispute in the amount of XXXX XXXX XXXX XXXX XXXX has been on going for several weeks now, it was initially disputed in XXXX, closed by Chase and subsequently reopened, still no resolution. The account was paid off less the dispute amount of XXXX which does not include interest and fees associated with charge, additional interest has been charged as the account has cycled. A payment was due which has been made for XXXX in the amount of XXXX. Please note, the total charge from merchant is actually XXXX. An of XXXX was charged to my debit card with XXXX XXXX XXXX, which was also disputed and has since been resolved as a credit was issued by XXXX XXXX and is now permanent. Chase has not resolved it on their end. As I stated before and again here, the item XXXX XXXX ) were delivered to wrong address, signed for by someone else. A person by the name of XXXX XXXX signed for the package, Chase reps in both claims and their executive office have this information and again, they have not reached resolution to date. The package was delivered on XXXX, I was not at home on this date. Once Chase reaches a resolution, I need a check for payment I made of XXXX plus interest and fees associated with charge.
I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit.
Applied for credit in XXXX XXXX. Never received card. XXXX XXXX, received bill for annual fee of {$59.00}. Called company, told them I did n't have their card. Asked them to remove the fee and close the account I did n't have with them. XXXX XXXX, receive another bill with another fee saying I 'm overdue. I want them to leave me alone and not mess with my credit rating.
I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
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  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
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I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.
On Monday XX/XX/XXXX after numerous phone calls with a debt collection agency at XXXX XXXX XXXX XXXX about a debt that was racked up by abusive ex boyfriend I scheduled an appointment on Friday to discuss options. The debt collection agency agreed, however I found out today the called my parents and informed them that I owed a debt. I chose to not disclose my abusive relationship to my parents because I also know it will further complicate the situation and add extreme stress to my personal life. My relationship with my family is also very complicated and they will only make matter worst. I am extremely XXXX off that after agreeing to speak on Friday they still went ahead and passed along information to my family.
I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.
I took out a {$300.00} loan with XXXX last XXXX due to financial hardship. Since then I have paid {$910.00}, apparently all interest. I decided to pay off my loan early and went on the company 's website to see what my payoff amount would be. I was shocked to find that I would still owe them {$570.00}. That would be total payments of {$1400.00} on a {$300.00} loan for a five-month loan. {$1100.00} in interest ( I'm no math whiz but that's something like a 700 % APR. I don't understand why this is legal. It should be made illegal at the Federal level.
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}
Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.
This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.
I have received several debt collection letters from Portfolio Recovery, on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. All of these letters state that I owe {$2100.00}. I have no idea what this is or why they are attempting to collect this amount from me.
My financial Institution sends payment to Penny Mac every month and when their statement arrives at my house it is showing 2 months in default again.
Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.
My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.
My monthly payments have not been on here since 2009! I need you nto show this so I can remorgage my home, please correct this as sonn as possible. Thank you so much please notify me when updated at XXXXXXXXXXXX Thanks again XXXX