WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I submitted an written letter ( sent certified ) dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ), instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). There is a major problem with this method they have chosen, because I am have placed a security freeze on every data mining company available, including systems XXXX. ( See attached docs with written verification from each company ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. 
My county courthouse does not provide this information and neither does the CA Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to  provide a written statement to the contrary. I have spoken to both XXXX XXXX XXXX and XXXX County 's Recorder Office and they have stated that they do not report directly to the credit bureaus, nor do they know how the information is obtained and placed in the credit reports. ( please refer to my documents from both county recorder 's offices stating as such in writing ). The credit bureaus do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Paypal held funds exceeding {$1800.00} on an item I sold on Ebay. The buyer even left positive feedback the item was received. Nevertheless, Paypal held the funds for over 21 days in violation of the Electronic Fund Transfer Act, and in spite of my complaints in writing.
CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS
I have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.
EXPERIAN INSIST ON REPORTING TOO MANY HARD INQUIRIES. 
EXPERIAN CONTINUE TO REPORT THE LOWEST CREDIT SCORES OF THE THREE MAJOR CREDIT BUREAUS. WHY IS THERE SUCH A DESPARITY IN SCORES, WHEN ALL ACCOUNTS HAVE BEEN LISTED AS " ACCOUNTS IN GOOD STANDING '' BY ALL THREE MAJOR CREDIT BUREAUS, INCLUDING EXPERIAN. LASTEST EXPERIAN REPORTED RESULTED IN A BANK DENYING AN AUTO REFINANCE BASED ON DATA RECEIVED FRM EXPERIAN. WHY IS EXPERIAN DATA BEING TREATED AS GOSPEL.
XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.
On  XXXX   XXXX ,   XXXX  , Midwest Recovery System s, LLC repor ted to  XXXX  and   XXXX   that  XXXX  accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the  XXXX  accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems.  Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.
XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.
Can not access free annual report online at XXXX. Can only access via submission of a written request by mail or by uploading request to XXXX.
I applied for a mortgage loan with XXXX XXXX XXXX through TJC Mortgage, Inc. back in XX/XX/2018 with Pre-Approval letter date on XX/XX/2018. My realtor got a Binding Contract on a property on XX/XX/2018 with contingency period on XX/XX/2018 and closing date on XX/XX/2018. All this information was emailed and received by XXXX on XX/XX/2018, so he was aware of the dates and the Earnest Money amount. On that same week, I gave the Earnest Money check to the seller for {$1800.00}. On the XXXX, he sent me the Loan Application and I e-signed it. The home got inspected on the XXXX as well for {$390.00}. Then he emailed me an Appraisal Payment Form from TJC Mortgage for {$470.00} on the XXXX, and I paid it. On the XXXX, XXXX sent me an email requesting additional documentation to finish up preparing the file for underwriting. I immediately sent him everything that he requested. I noticed he was already struggling with his underwriting team to get a final approval because part of my income is based on commission. Something I had initially discussed with him. Completely unaware of the Contingency Date ( XX/XX/2018 ),  XXXX started to ask for different documents to get a final approval from his underwriting on XX/XX/2018. Instead of given me a final decision on the Mortgage Loan before the  Contingency Date so I could at least get my earnest money check back, he went on trying different things to get it approved until finally deciding they could not get me approved on XX/XX/2018, only 3 days before the closing date ( XX/XX/2018 ). At that point I had already spent {$2700.00} and could not get the earnest money back from the seller. I was very disappointed and tried to get in contact with XXXX a few times to see if he could at least reimburse me for some of the expenses, but he ignored my emails and calls. He was extremely negligent in not getting things done on time, and not being upfront with me since the beginning. Besides losing {$2700.00}, I also had to pay a fee to stay at my current apartment and ended up spending on other extra expenses as well because of his negligence and irresponsibility. It was the worst experience possible trying to purchase my first home. What kind of Mortgage company gives you a final approval decision on a loan only 3 days before the closing date? I hope this complaint helps other people thinking about doing business with XXXX XXXX and TJC Mortgage.
I solicited the service of a company that advertised to provide an online trading platform for Stocks and Commodities. After using this merchant 's platform for well over a year it came to my attention that this merchant is not licensed to trade in these regulated financial markets and that the " trading '' platform I was using was a manipulated trading platform with no connection to any of the financial markets that the merchant had advertised to provide access. Furthermore because the merchant is not licensed and regulated means he can not provide a segregated trading account for trading, so, when my card was charged the money went directly into the merchants private bank account and not a segregated brokerage account. 

I requested my bank raise a chargeback for " Service not as described '' and my bank has refused to assist even though I have shown my bank on various occasions that my situation is explicit within MasterCard 's chargeback guidelines. 

The bank has informed me that because the charges are older than 120 days that they do not have chargeback rights. I told the bank that the service provide was ongoing and that I only cancelled my service on XX/XX/2018 and that according to MC the 120 begins from the last date of expected service. All of this is attached.
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX processed a request for a change of address to a fraudulent address. I recieved the copy of the address change in the mail thus alerting me that is fraud activity. This enabled the thief to utilize my visa card, change the address and have access to confidential information. This accelerated an additional fraud with XXXX giving access to both accounts .... as the statements were mailed to the fraud address of : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
A report was filed with The City of XXXX Police, case # XXXX : XXXX, as well as with Credit XXXX Bank .... the original offender and XXXX . 
XXXX XXXX XXXX has refused to remove the fradulant fictitious address information from My Equifax credit report.They were the original ones that caused the felony. 
XXXX has processed the claim and credited back ALL of the fraud charges. 
XXXX had corrected the address.as the fraud claim is still ongoing. 
I am XXXX in Florida. 
It is imperative that the incorrect Fraudulent address be removed from my credit reports.
XXXX XXXX XXXX is reporting an account in the amount of XXXX on my credit reports that has inaccurate information as far as amounts and dates that have been reaged. This account was opened by XXXX XXXX XXXX was opened XXXX XXXX of XX/XX/XXXX and charged off XX/XX/XXXX. I voluntarily surrendered the vehicle and dont understand all the charges they are attempting to collect along with the re-aging of debt showing a new/ opened account by XXXX XXXX XXXX , opened XX/XX/XXXX. This was charged off XX/XX/XXXX. not XX/XX/XXXXand they could not give me a detailed bill of charges either after I requested.This has really damaged my credit. These are unlawful charges they are attempting to collect.
I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?
My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.
In XXXX 2015 after moving from XXXX, XXXX we contacted XXXX several times telling them we 've moved to XXXX, XXXX XXXX, and that we could no longer get a consistent connection. After about the 5th call they returned our call and said they would have their engineering dept review the situation, and that they would get back to us. 

Approx 7 weeks later they finally got back to us and said there was nothing unusual about the dropped signals. We told them that it was unacceptable and we wanted to discontinue our service if they could not provide a signal that was usable to us as customers. A couple weeks later they called us back and said there was nothing further that could be done to remedy the situation and we were denied the opportunity to speak with a supervisor in order to address this issue. 

We called several more times asking for a supervisor to return our call. Around XX/XX/XXXX they said there was nothing further they could do and our account had been turned over to a collection agency and we could only deal with them at this point, this, after we had asked for a supervisor to review this situation all along! It is ridiculous to imagine any customer would pay for a product that they could not use! 

It is both inappropriate and unethical for XXXX to attempt to commandeer my hard earned money from me for their inability to deliver service and obfuscating the issue by simply placing the account into collection with : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Instead of addressing the issue of concern XXXX is using the collection agency as a vehicle to extort money out of me and ruin my excellent credit. I have already had my credit score lowered and lost a mortgage over this issue. 

XXXX nor any company should get away with such atrocious business practices at the expense of loyal customers. Your assistance in this matter is gratefully appreciated. 
XXXX XXXX
I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.
This business is reporting on my XXXX credit report for a debt that is NOT mine! I have sent them validation letters and they continue to report. XXXX XXXX will NOT verify the debt and keeps using XXXX XXXX which is NOT a proper form of Verification. This debt is NOT mine and i wish to remove them off of my XXXX XXXX report, they will not respond to my validation 609 letters either! 
Name of business ACCT # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX
My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue
received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.
Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.
XXXX XXXX XXXX XXXX XXXX is reporting on Transunion and XXXX a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH FEDERAL RESERVE BANK OF MINNEAPOLIS . FEDERAL RESERVE BANK DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, XXXX, AND TRANSUNION A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXXTHAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, XXXX  AND TRANS UNION I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX.  SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XXXX  OF 2018. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED  XXXX XXXX XXXX CARD ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM FEDERAL RESERVE BANK OF MINNEAPOLIS AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR TRANS UNION AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY TRANS UNION CREDIT REPORT
I did n't pay off my credit card in full last month ( XX/XX/XXXX ). The bill was {$7200.00} and I paid off {$4000.00}. Normally we always pay this bill off completely. When I calculated the interest we would owe, I based it on the remaining amount due, {$3200.00}. When I received my statement for XX/XX/XXXX, I discovered I was charged interest on the amount I had already paid ( $ XXXX ) plus the amount I did n't yet pay ( {$3200.00}. ) Is a credit card able to charge interest on an amount I do not owe? A second question : I was planning on paying the remaining amount off today, prior to the XX/XX/XXXX due date ( that 's why I 'm catching this now ). If I pay the amount of {$3200.00} off today, is the same amount of interest charged? My annual rate is 15.74 %. Does n't annual mean 365 days? 
Thanks, XXXX
Potentially released my personal information in the data breach from XXXX to XXXX of XXXX.
This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.