WillisBack/dataset-financial-user-claim huggingface dataset:
I have a judgement ( XXXX ) that 's reporting on my Equifax credit report to a XXXX XXXX. I 've disputed this with all XXXX bureaus and Equifax is the only one that wo n't release it. Reason I disputed this account has a lot of inaccuracy 1. The actual docket I 'm going to enclose with this dispute has a different name and date. I have another judge on my credit report that does n't even come up on public records and that case number ( XXXX ) From XXXX XXXX XXXX. Prior to reviewing my credit report I did n't know anything about it. I 've been disputing these negative items since XXXX XXXX. Please help me get this resolved. I have an address on my Equifax that I never resided at which is XXXX XXXX XXXX, IL XXXX. My bankruptcy was filed XXXX/XXXX/XXXX Equifax is reporting XXXX/XXXX/XXXX I 've contacted them 4 times about this they says they 're reporting correctly. Equifax is reporting a collection on my account but did n't list the name of the company only the debt and the amount. They 're listing XXXX XXXX XXXX as being opening on XXXX/XXXX/XXXX that 's incorrect. I have an alleged debt with XXXX XXXX that I 'm unaware of but XXXX and Equifax is reporting XXXX date as opened and XXXX has a completely different date. XXXX Now has XXXX different date on my XXXX and XXXX. XXXX XXXX is being showed as a collection account on Equifax and also shows included in my Bankruptcy that was filed on XXXX/XXXX/XXXX but it says the open date was XXXX/XXXX/XXXX. How is that even possible when no new accounts can be included into a previously filed bankruptcy? XXXX XXXX XXXX is reporting on all XXXX bureaus incorrectly. Equifax is reporting XXXX XXXX as and account but that was included in the Bankruptcy but they took it from off bankruptcy and said collections the date says XXXX/XXXX/XXXX that should have been deleted since 7 years has passed. XXXX is being report with XXXX different dates on all XXXX bureaus. XXXX XXXX is being reported open on the wrong day on Equifax. I 've included all my proof with this dispute. XXXX has a lot of inaccuracy also and they told we that they wo n't reinvestigate these inaccurate accounts.
In XX/XX/XXXX and XX/XX/XXXX I was dealing with a lot of personal issues. I advised Capital One beforehand for both months and was advised that I would need to ensure that the payments weren't 60 days late for a grace. I ensured that they weren't 60 days late and this still adversely affected me despite being told it wouldn't. I have sent numerous letters and requests to no avail.
Shermeta Law Group with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like XXXX XXXX. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
I am on escrow on the sale of my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We can not close escrow because the lender is not sending a payoff demandI called on XXXX and requested a payoff demand over the phone as their system said that it 's faster than requesting it over website system, at that time I was told it will be ready in no more than 3 days. I called again on XXXX and was told it should be ready any moment,. Close of escrow was scheduled for XXXX, I called again around XXXX and at that time I was told that the payoff demands take 7 to 10 days. I had no record that I called it in, therefore, I went on the website and made a request again so it would be documented, I called again today, to my dismay I was told that because I re requested the payoff on XXXX I had slowed down the process. 
I do n't know what else to do to receive this payoff, I am failing to close escrow as scheduled, the buyers are losing their lock and I was told you can help. 
Please let me know what else I can do to get a resolution to this situationsincerely, XXXX XXXX ( XXXX XXXX XXXX
I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical
We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere. 
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore. 
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX. 
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily. 
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing. 
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set. 
They keep saying it 's in foreclosure but they 're doing nothing but harass us. 
Please help us.
XX/XX/2018 CITIBANK, NA /XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX  ) XXXX Unauthorized hard pull / inquiry shows up on my credit report from this bank.

I did not authorized CitiBank / XXXX  to register a hard inquiry on my credit and it is negatively affecting my credit score.

I have repeatedly reached out to CitiBank / XXXX  to resolve this issue and remove this hard inquiry without success.

I have been unsuccessful in submitting a dispute due to the CitiBank / XXXX making it challenging for consumers to dispute these unauthorized hard inquiries.
KEPT CALLING ALL FAMILY MEMBERS NUMBERS ( SEE aTTACHED IN VIOLATION OF TCPA.
I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate information.
The agency contacts me every other day in regards to my debt. This results in multiple calls a week. The agency always leaves a voicemail. I contacted the agency by phone and told them that I would contact them again once I had taken care of a death in the family, yet they continue to call every day since and it has only been a week and a half and I told them 3 weeks.
My mortgage company for my homestead is simply claiming they I owe much more than I do. They will not and have not provided me proof that I owe what they say. I have provided proof of my payments and they still claim that they have the correct total. They have my home in forclosure status. They have been abusive verbally to me on nearly every phone call I make to them.
There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

XXXX
I keep getting telephone calls from a number XXXX XXXX XXXX I have told them numerous times do not call me. Today I received another call and they said they were from Secure Lending and I asked them how did they get my number and they said from the FHA. I got the companies telephone number XXXX and spoke to the supervisor XXXX and asked her to remove me from their call list and that I am on the Do Not Call List. I also advised her I have told her telemarketers numerous times not to call me and if it is not resolve in XXXX days I will be filing a complaint. But I am so sick of them they have already been calling me for more than a month already.
There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX
I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.
i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. 
My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. 
I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. 
I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. 
They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. 
I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. 

I printed the documents but my printer was not working right. 
i had to wait till the next day to ask my daughter to print them out. 
That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! 

None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. 

I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. 
I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. 
NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. 

This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. 
I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. 
I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! 
I am hoping you can investigate and help me with this matter
i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.
JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.
To Whom It May Concern, On or around XXXX XXXX, 2016, I received a debt collection notice from MRS Associates of New Jersey alleging I owed {$250.00}. An amount they claim was incurred from a XXXX XXXX account. MRS Associates proceeded to furnish this negative information to the XXXX major credit reporting bureau, XXXX, on or around XXXX XXXX, 2016. On XXXX XXXX, less than 30 days after receiving notice from MRS Associates , I sent a notice of dispute and request for validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report Act, via U.S XXXX Postal Service Certified Mail with return receipt. On or around XXXX XXXX, 2016 MRS Associate 's employee received my notice of dispute and validation. 
I continue to dispute the validity of the claim of debt from MRS Associates, as I have no knowledge of the account referenced in MRS Associates ' notice. I requested that MRS Associates substantiate their claim of debt by providing me with ; statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. On or around XXXX XXXX, 2016, MRS Associates sent me insufficient validation, validation which does not substantiate their claim of debt. 
I request that MRS Associates remove all negative tradelines furnished to any credit reporting bureau and cease all collection activities until such a time validation of debt is received that properly substantiates their claim of debt. I will not consider this debt valid until I receive statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. No person should be subjected to debt collection from companies not willing to substantiate their claims of debt.
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not removing this debt from all three credit unions but estimated drop off date on XX/XX/2017, please help me to resolve this issue. 
Thank you
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 CHASE AUTO Bank XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
XXXX XXXX is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Our daughter attended school, XX/XX/XXXX school year at the XXXX XXXX XXXX XXXX XXXX. We received a loan by XXXX XXXX for her schooling..she left after one year of schooling, where upon we called XXXX XXXX to pay off her loan. We were told that our balance was XXXX. We paid by check the amount of XXXX and received no correspondence that this account had been paid ... or that any balance was due. It was n't until XX/XX/XXXX that we received a note saying we owed interest on the loan. At that time we started writing letters and calling. but received no return correspondence. This has been going on for 9 years, every time we call, we get a new person and have to start all over again ... now we have received a litigation letter. We called and went through the whole story.. again.. and was told our money was split up between our loan and three other loans that belonged to our daughter. No one informed us that this is what had happened with our original loan. The only loan we and our daughter took out was with XXXX XXXX, us as a co-signer. When talking to Navient who took over the loan.. we were informed if they redirected all funds to pay off our loan ( that we should n't have now because it was paid off ) ... the three loans that our daughter supposedly has, will go into default, pending litigation. This is a lousy way to do business. We took out a loan for our daughter to go to school and in good faith, paid off our debt, to only be harassed by this company. We took out a loan with XXXX XXXX only, accrued XXXX, when we were done we talked with XXXX XXXX and they told us our balance was XXXX, which we paid with a check ( we have copies of the canc check ) Now we are told that {$22000.00} was applied to our co-signed loan with XXXX XXXX, the other {$8700.00} was applied to our daughters other 3 loans. This gave us a balance that was still due, that we did not know about, that has been accruing interest and has been detrimental to our credit, and our daughters. We are at our wits end ... this has been going on forever ... and it 's the government, so there 's no way to fight or get satisfaction.
XXXX took funds from my account in the amount of {$2700.00} for a business not related to me in any way. Nor did I authorize the transaction. The funds were taken from my Capital One 360 Account
Hi, This company XXXX XXXX XXXX XXXX is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.