WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Equifax on-line, via phone and submitted a written complaint on a state of Kansas released and satisfied tax lien. most current case number is # XXXX dated XX/XX/2018. 
The lien has been satisfied, released and only Equifax continues to show the lien on my credit file. Both Transunion and Experian have removed all information related to the Kansas tax lien. 
I have contacted the state of Kansas - tax compliance department. They shared that Equifax is obtaining the information from XXXX and it is Equifax 's choice to use Lexis vs. the document they have provided showing satisfaction and release. 
The state of KS is stating it's satisfied and has released the lien and Equifax chooses to use a third party vendor and continue reporting it.
On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.
Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days
I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.
The collection agency Overton, Russell, Doerr and Donovan put a Garnishment on my Social Security Benefits using a court papers dated XX/XX/XXXX which I was never served any papers to go to court. The 7 years Statue of Limitations expired on XX/XX/XXXX, This medical debt was supposedly incurred in XXXX, that is 10 years ago. I have always had health insurance.
I had requested to have the inquiries listed below removed from my credit report as the inquiries were not authorized or placed by myself. The agent I had spoken with at Transunion on Friday XX/XX/19 had said they would not be able to assist me.
multiple attempts to collect on a debt that has been charged off. 
I did mistakingly make a payment via Credit / debt card for {$1800.00} on XX/XX/2018 but our back deemed the charge a fraud and canceled the transaction, i have attached the emailed letter sent to me. A XXXX search of the number they call from shows multiple fraud complaints and unfair attempts to collect on old non existent debt. 
i believe it may be an XXXX XXXX Mastercard
A little bit of background information, I am an active-duty XXXX in the United States XXXX XXXX with a XXXX XXXX XXXX and have never missed a credit or loan payment in my life. 

During the last week of XXXX XXXX, I heard about how Chase Bank was offering to waive annual {$450.00} fee ( voluntarily going beyond what is legally required that was required in the Military Lending Act ) for their most popular credit card, the XXXX XXXX XXXX. A few days later on XXXX XXXX, I decided to take advantage of this opportunity and apply for the credit card, and was told on the website that Chase would let me know if I was accepted or not via snail mail. Having not heard anything and just wanting to check on the progress, I called Chase on XXXX XXXX at XXXX PM ( PST ), and after a few verifications, the gentleman on the line told me I was accepted and that I was approved for a {$10000.00} limit and that I should be receiving the card very soon. On XXXX XXXX, I received the credit card and quickly went through the prompts to active the card and set it up. I then went out to dinner and used it without any problems at all and have n't used it since. Two days later, XXXX XXXX, I found out that my card had been abruptly cancelled without any notification prior to the event. I then called Chase twice at XXXX AM PST and XXXX AM PST and was told the first time that I should be receiving a letter in the mail better explaining what transpired and that he could not help me further than that. The second time that I called, I went through multiple individuals and agencies attempting to figure out what went wrong. Finally I get to a senior XXXX and get told basically the very same thing that the first gentleman told me, that I have to wait for the letter.
In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back. 
-XXXX XXXX
IC system. XXXX XXXX. Open XX/XX/2016. For {$410.00} Placed for collection
Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.
Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!
I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.
*** The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across one such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & $ XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days * XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Experian tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Complaint 1 : Against XXXX XXXX for Irregularities Related to XXXX Origination of Interest Only Balloon 2nd Mortgage for Our Primary Residence Complaint 2 : Against XXXX XXXX XXXX - Foreclosure Agent for XXXX XXXX  Date : XXXX XXXX, XXXX We are writing to lodge a complaint against and ask for assistance with our negotiations with XXXX XXXX. In XXXX we were sold, unbeknownst to us, an Interest Only Balloon Payment 2nd Mortgage on our home. We never met or spoke with a Mortgage Broker from XXXX XXXX and we have received no origination documents from XXXX XXXX which was signed by a member of their staff. 
We paid our mortgage faithfully and on time each month for 10 years. Suddenly, in XXXX, XXXX XXXX demanded that we pay the mortgage in full. They gave no reason, refused to work with us on renewing the loan as a normal amortizing mortgage and subsequently began foreclosure proceedings on our home. We asked them to renew the mortgage multiple times and proved we could afford to make monthly payments on an amortizing loan, but they refused to even consider our requests. We made these requests in good faith despite the fact that our home was, and remains, under water. 

After years of fighting with XXXX XXXX and their loan servicer, SLS, we sought help from a housing counseling agency and an attorney. We have made a cash offer to XXXX XXXX for a Short Payoff and have provided evidence of Proof of Funds from a private lender. They are reviewing our documents, but have refused to postpone the Sheriffs Auction on our property. 

We are asking with this letter of complaint that the Consumer Financial Protection Board investigate this complaint and intercede with XXXX XXXX to postpone the Sheriffs Auction scheduled for XXXX XXXX, XXXX. 

We have attached details on the case, an analysis of comparable property values, the communications from our attorney to XXXX XXXX and its servicer, and the Qualified Written Request submitted to SLS under Section 6 of RESPA. 

Thank you for your consideration and assistance.
HUNT AND HENRIQUES HAS FURNISHED 2 LIENS ON MY PROPERTY FOR THE DEBT THAT WAS DISCHARGED IN BK AND NOW REFUSING TO REMOVE IT OR TO ISSUE LIEN RELEASE CONFIRMATION ... I ATTEMPTED TO CONTACT THEM SEVERAL TIMES BUT ALL MY EFFORTS WERE IGNORED BY HUNT AND HENRIQUES AND BY DEPARTMENT STORES XXXX XXXX PLEASE HELP
Ally has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XXXX XXXX, XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XXXX XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed Ally that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XXXX XXXX, XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.
I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, XXXX, and XXXX, and Lexis Nexis that  furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) Lexis Nexis and XXXX  is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT ''
I RESPONDED TO AN OFFER BY American Express TO GET XXXX POINTS IF I SPENT {$3000.00} IN 3 MONTHS, WHICH I DID.I DID NOT RECEIVE THE POINTS & THEY CLAIM THE OFFER WAS NOT AVAILABLE TO ME ; HOWEVER, ON MY AMEX CARD WEBSITE, THE OFFER WAS DISPLAYED NUMEROUS TIMES DURING THE MONTH.ALSO, A SEARCH OF CREDIT CARD OFFERS FOR THAT MONTH INDICATED THE SAME OFFER.I APPLIED FOR THE CARD 0N XXXX XXXX .I CURRNTLY HAVE HAD AN AMEX CARD FOR OVER 20 YEARS AND ON AND OFF OVER THE COURSE OF XXXX, WHEN I LOGGED ONTO MY ACCT, THERE WOULD BE AN OFFER TO UPGRADE TO A XXXX HONORS XXXX & RECEIVE THEBONUS POINTS NOTED ABOVE.I SPENT THE {$3000.00} IN ABOUUT AMONTH XXXX BUT NO POINTS WERE GIVEN.I CALLED AND SPOKE TWICE TO VARIOU REPS., AND WAS GIVEN A CONTROL # ABOUT MY COMPLAINT. AROUND XXXX/XXXX/XXXX ( XXXX XXXX & WAS TOLD I WOULD HEAR FROM THEM IN 6-8 WEEKS.NEVER DID SO I CALLED LAST WEEK & THEY TOLD ME I WAS NOT ELIGIBLE FOR THE AS I HAD NOT RECEIVED AN OFFER FOR IT EVEN THOUGH I HAD RECEIVED THIS NUMEROUS TIMES ON MY WESITE & STILL DO. I have downloaded various info about the bonus upgrade which is available now & was available during most of XXXX.
I had a checking and savings account with bank of America for about a year  (   XXXX   ) . My purse and cell phone was stolen which had most of my personal papers and information inside in  XXXX  of   XXXX  . I went to the bank on a Monday morning when they open to tell them about my situation. I did all the paper work and filed a claim and closed that account out. I then again went to the following day to reopen a new account to set my direct deposit for work back up but I was then told that I was not able t due to my account having fraudulent activity. Someone tried to upload fake checks into my account and then tried to take money from my account twice. I again explained to then bank people that my personal belongings were stole. MY Phone which was a  XXXX  did n't have a passcode and also had my bank app and my emails and things on it was stolen as well. I Then talked to the fraud department on the phone and she told me that the phone that uploaded the checks was a  XXXX  which I had a  XXXX . I ask them if they could look at the atm cameras but was told no. So I felt like that was wrong but I  ten  went to   XXXX   XXXX   XXXX   and opened a account with them until one day my account was closed out the blue. I then had to go to   XXXX   XXXX   and ask them what happen and was told that bank of America sent to the consumer agency that my account had fraudulent activity which made me not able to open up a nother bank account with any bank. So the banker at   XXXX   XXXX   helped me fill out the paper and send it to the consumer agency to dispute everything but I still have n't got a reply or anything and its almost been a whole year. I feel that if somone actually comes to the bank to report something on there account due to lost personal info or identity stolen they should take into consideration and help that person instead of blaming them.
This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed.
I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.
I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.
EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS
Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks
I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?