WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX continues to report inaccurate lien amounts. 
A.XXXX and IL dept of Rev failed to send proper notices to me, thus not allowing me to respond, in addressed to XXXX XXXX name B.Placed an XXXX lien. NEVER owed that C.I am sure the state of IL has hired an agency, XXXX who carelessly place errors on consumer reports hoping and using as a collection tactic. 
Delete lien amount error I need Cfpb assistance with this as they continue to report wrong information to bureaus. Even the most recent letter has wrong amount and not addressed to me.
My mother XXXX in XXXX. I called regarding her accounts, explaining the payment might be late. Payment to XXXX 's was one day late. It was paid in full. Each month after, late fees were added, and each month I called asking that the fees be removed and was told they would be removed. I was asked to send a copy of the XXXX certificate which I did on XX/XX/2018. Late fees continue to be added and have reached {$92.00}.
XXXX and Equifax were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. Equifax and XXXX   continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.
Equifax refused to properly validate a tax lien on my credit file after 3 months of correspondence from me with affidavits and calls. They simply stated that they validated this lien with the states county and court. I asked them to validate the specifics and they have not. 
However, I spoke with both entities and they informed me that they had NO correspondence with credit bureaus. This is untrustworthy practices by Equifax.
On or about XX/XX/2017, I contacted XXXX XXXX about switching from XXXX to XXXX XXXX after paying and {$80.00} dollar fee I decided to stay with XXXX I contacted XXXX  XXXX and advised them that I was not going to use there service shortly there after i received a ststment for {$160.00} dollars i contacted them again and was asdised i owed the {$160.00} and i told them I never went in to XXXX to start service and was advised to send back Sim card which I did i requested a return of my {$80.00} dollars and was assured i would receive same several months later i received a letter from AmSher collection services , INC that my account number XXXX with XXXX went to collections i contacted AmSher and was sent documents via XXXX which i filled out and sent bact to XXXX several weeks I received a letter from XXXX that I didn't owe any money to date i hav n't received my {$80.00} dollar deposit and are continued to be contacted by XXXX for payment although I contacted XXXX with no result. also XXXX sent to credit reporting companies that i owe this debit which is affecting my credit score
In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : XXXX
XXXX XXXX client XXXX XXXX  is an identity theft victim. His information was used to apply for a Kohl's/Capital One XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Navient, the manager of the my Federal Student Loans, has no right to collect on my student loan balance because the majority of the debt was incurred by my attendance at the University XXXX XXXX ( XXXX ) ; a now defunct For-Profit educational institution. For example, XXXX XXXX XXXX, the former president of the XXXX XXXX XXXX, purposely solicited unqualified students to attend the university campus in order to get more Title 4 Funding from which he could personally profit ( I was one of those students ). XXXX XXXX is well-known for achieving the de-certification ( XXXX ) of XXXX XXXX College before joining the staff of XXXX 's XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Furthermore, the alleged " fake degrees '' that they purported had no value in the contemporary United States Job Market ( I have never received employment related to my degree from XXXX ( i.e. XXXX : no XXXX positions at all ). Also, XXXX XXXX hired his sister to manage the accounting of the campus so that the numbers were " solvent '' enough to report to the main campus in XXXX, AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Furthermore, XXXX XXXX 's cronies, like XXXX XXXX and XXXX XXXX XXXX, " enforced '' XXXX XXXX 's policies so that there was no regression or ability for staff or students to address any internal financial or policy issues with the campus. 

To wit, I am claiming the Borrower Defense Against Repayment '' Statute embedded in Federal Law as the basis for my release from this debt.
Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.
I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.
In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.
Delamrva, a collection agency is harassing me at work. I did not give them this number to contact me while im at work. I asked them to stop but the calls continue.
I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.
On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.
I have disputed this account over 4 times If I can recall. This account is not past due nor it is supposed to reporting late. Equifax deleted the historical information but did not delete the historical codes. I have attached the dispute confirmation. Equifax also deleted the account from me credit report reinserted it without sending me proper notification. Confirmation # XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 
( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted The above-mentioned account was deleted from my file on approximately XXXX XXXX, 2016 and XXXX XXXX, 2016 ( please see enclosed page of credit report which details this ) and was reinserted on or before XXXX XXXX, 2016. Please permanently historical account codes and send me an updated credit report after it has been corrected. Thank you for your immediate attention to this matter.
One of the addresses listed is associated to a fraud committed against me getting services from XXXX. It is : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.
On XXXX XXXX, 2016 I initiated a dispute over a {$100000.00} tax lien that was withdrawn by the IRS in XXXX 2016, as well as filed with the XXXX County court a notice of withdrawal. The IRS contacted XXXX, XXXX and Equifax , and while XXXX and XXXX removed the lien from my credit report without any intervention from me, Equifax was and is still reporting it. 
When I saw Equifax still listed the lien as a public record, I filed a dispute. The response I got was that they had " verified '' the public record item was reporting correctly. Curiously, the amount of the lien suddenly became {$10000.00}, not {$10000.00}. 

When I saw there was a second dispute opened, I assumed someone at Equifax had noticed the error and they were fixing it .... but no. The second dispute 's results came back identical - that they had " verified '' the public record item and it was reporting correctly ( and still had the lien listed at {$10000.00} ). 

They clearly never even attempted to verify anything, otherwise they would see the lien was withdrawn and the documents were filed with the XXXX County court on XXXX XXXX, 2016, document # XXXX. It 's publicly accessible. 
Not only did XXXX different Equifax employees lie about " verifying '' this lien, but to be in the business they are in, basically holding people 's lives in their hands, and yet they make a careless typo like changing {$100000.00} to {$10000.00}. 
I have filed another dispute, confirmation number XXXX, and included proof that the lien was withdrawn, but I have no faith that some Equifax wo n't just push a button labeling my " verified '' again.
XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information.
I   XXXX   from  XXXX   XXXX   XXXX   in   XXXX   XXXX  . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months, Navient, tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from Navient who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  Navient  on    XXXX   XXXX   XXXX   XXXX  , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the t ime my loans were " deferred '' would 've been until  XXXX .  Navient  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. '' Navient could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on. Navient has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.
In XX/XX/XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ).
To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.
I was diagnosed with XXXX and my health was quickly deteriorating so, unfortunately, I could no longer work. Around XX/XX/2014, I reached out to a church for assistance with paying my rent which they agreed to pay for half. I made my payment and the church mailed their payment in. According to the office manager, whom I may add, did not like me, they did not receive payment. I reached out to the church and was told the check had been cashed. I received an eviction notice and had to move out. I then asked them to give me a document showing the payments they received for my apartment and they did. I noticed they did receive payment and applied the payment to the account the same day they filed an eviction. I reported this to all 3 credit bureaus and 2 of them  removed the debt. However, Experian refuses to do so. I have spoken to many supervisors and submitted the proof showing payment was received and applied to the account but they refuse to remove it. They told me to contact the collections agency that has my account so I did. I asked for verifiable proof showing the eviction was filed before they received and applied the payment but they don't have any documentation showing that. They have no knowledge of this debt.
Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).
XXXX is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through XXXX four times, yet they have never proceeded to correct their error.
I was manipulated into getting this loan. The counselors at my school made me think I needed this loan and I was told that I had a fixed interest rate. Navient convinced for to keep getting a forbearance because I could n't afford to pay it back.
My monthly bill is way to high for me to pay. I am still enrolled in XXXX  school and have no income aside from the stipend I receive from the university. I have explained this to AES, asked for forbearance/ deferment/ income-based repayment. They have denied my request to stop or lower my payments because my account held a past due balance. I missed three student loan payments on two student loan accounts on with AES, and my credit score dropped from XXXX to XXXX because it was recorded as being 6months delinquent! This is not fair because I go to school in one of the most expensive cities in the country, I have to pay rent and eat, and AES refuses to acknowledge that I am not employed or able to pay the loan back right now. They have taken punitive measures to damage my credit, and it 's not going to make me graduate, find a job, and repay them any sooner.
I 'm currently homeless and I applied for a home on XXXX, CA. I was denied renting the home because there is an eviction showing on my tenant screening report. I 've reached out to the reporting company ( XXXX ) and advised them that case # XXXX was included in a chapter XXXX bankruptcy and was discharged on XXXX XXXX. The reporting company updated the tenant screening report to show as discharged. According to Experian credit report : " Your Experian credit report does not indicate that you have been evicted from your residence. However, your credit report could include a collection account for unpaid rent or lease payments, and as in your situation, a civil judgment if you were sued for breaking the lease. 
The court judgment will appear as a public record in your credit report and will remain for seven years from the filing date. Any public record item in a credit report would likely be considered very negative and could affect your ability to qualify for a new rental agreement. 
If included in bankruptcy, the judgment will be removed when the bankruptcy is discharged. You may want to submit documentation of the bankruptcy filing, discharge, and schedule of debts showing the judgment was included. A Chapter XXXX bankruptcy will continue to be reported for 10 years from the filing date, regardless of the discharge date. 
Any collection accounts discharged through bankruptcy are updated to show that they were included in the bankruptcy, but will still show the account history for seven years. 
Thanks for asking. '' The " Ask Experian '' team XXXX
Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision
I put a house up for sale XXXX XXXX for XXXX. I signed a re-modifaction in XXXX not understanding the full ramifications ofthe re-modification. The outstanding principal listed on the orgimortgage service web site and on statements listed the same amount of {$180000.00}, The payoff amount issued by the mortgagelisted an arrears amount of {$33000.00}. My final take on the saleminus normal other expenses was approx. {$1000.00}. I feel this is a gross\gross injustice. The servicer was Seterus inc. XXXX purchased the home in XXXX. I had to refiin XXXX.