WillisBack/dataset-financial-user-claim huggingface dataset:
I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.
After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted XXXX, Transunion and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
I sent XXXX XXXX a certified letter disputing an account on my credit report XXXX/XXXX/XXXX which they signed for XXXX/XXXX/XXXX at XXXX XXXX. They responded with an itemized bill dated XXXX/XXXX/XXXX but no evidence bearing my signature. Therefore I sent them a second letter XXXX/XXXX/XXXX which they signed for XXXX/XXXX/XXXX at XXXX XXXX. requesting they provide me a description of the procedure used to determine the accuracy and completeness of the information. They have not responded as of XXXX/XXXX/XXXX making it 22 days after receiving my second letter. I have made two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by XXXX XXXX. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$930.00} per the bill sent to me. My credit reports from all three credit bureaus show an amount of {$930.00} on a closed account listed under XXXX XXXX. I emailed the XXXX CEO XXXX XXXX his companies failure to provide me information and failure to mark disputed on my credit report. He agreed to look into the matter only to send me another bill of items listed. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the credit bureaus with the required disclosure, within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/XXXX at XXXX XXXX It has been over 60 days and still not dispute. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Responsibilities of furnishers of information to consumer reporting agency.
( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
I have started refinance process with Bank of America in XX/XX/2017 whereas the sales agent promised me best rates and smooth process. As part of the process, they told me that they will carry out appraisal of my house and I need to pay upfront for it. I was not shared the amount that I need to pay for appraisal and was told that I will be refunded at the end when appraisal closes. I agreed to it as I didn't expect any issues in my loan process. During appraisal, an incorrect report came out which talks about an issue that I don't have in my home. I tried to explain to bank and appraisal company but they are not ready to correct the report resulting in my mortgage process going on hold. Bank has charged me for my appraisal fees but they didn't worked with appraisal company to correct the report even after I provided the reason for incorrectness of the report. My home ( in exactly same condition ) has gone through 3-4 appraisals before this appraisal but never such issue happened. I can provide more specifics when asked. 

I have also reached out to XXXX, CA to help me with issue in appraisal report.
In XX/XX/XXXX, I leased a XXXX XXXX for my daughter. All payments were made on time. I received the paperwork for the end of lease along with the amount I needed to pay for the residual and the sales tax. I sent my check to them along with the requested paperwork on XX/XX/XXXX and they cashed my check on XX/XX/XXXX. To date I have not received a title. Many phone calls resulted in being told everything is in order and I would get the title soon. On XX/XX/XXXX I was told the title would be mailed on XX/XX/XXXX. Still no title. On XX/XX/XXXX, I called again and was told they would have to order a duplicate title from the state of Kansas. Today, I called the Kansas Department of Motor Vehicles in XXXX, KS and was told that JP Morgan Chase ( dba XXXX XXXX ) had never send a " release of Lien '' document, so no title had been issued. In Kansas, the title is electronic for a lease or lien and is only issued after the lease is ended or the lien is paid off.
There is no good reason, save for incompetence, why I have not received the title to the car I have fully paid for. A very nice lady, XXXX XXXX, said she would help me on XX/XX/XXXX. To date she has not called me back nor does she answer her phone messages. What do I have to do to get the title for the car?
The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.
My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.
Years ago, 23 years ago to be exact, I had a XXXX card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called XXXX numerous times and they told me that they would take care of it. Recently, I received a letter from First National Collection Bureau , Inc stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in XX/XX/2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from First National ( validation information regarding the judgment ) which they never sent me.
XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..
I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month
Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with them.
I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  XXXX and Transunion I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.
I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.
I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?
I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, XXXX XXXX
I wrote to SYNDICATED OFFICE SYSTEMS about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation of debt that this was my account I never owed this debt with them. They have never sent me validation that I owe this debt.
In 2013, I received a Form XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX for a credit card. I paid the taxes associated with this amount on my XXXX 2013 income tax return. This amount was charged off by XXXX. Currently on my credit report the " Recent Balance '' states {$25000.00}. This is incorrect. The balance should be XXXX. The balance of {$25000.00} needs to be removed.
On XX/XX/XXXX, Chase closed all my credit cards which have a XXXX balance on them.
I sent a letter on XX/XX/2018 requesting that valadation of said account to be proven in order to collect a debt. The company response didnt not include proof of Validation.
I have received 11 calls from Citi Bank on my cell phone asking me to call them. I call and I am asked my account number. I do not have an account with Citi Bank. I had several managers of Citibank research by the last 4 digits of my social security number and they find no records connecting me with Citibank. I have spoken with 4 different managers who said they would stop these calls. They continue. I have a high credit score, am a lawyer and I am stumped on how to stop this harrassment. Can you help me? They cal from XXXX and XXXX. I am directed to call them at XXXX, and then they ask me for my account number. Every day I tell them I do not have an account number.
USAA Fed Savings Bank issued my mortgage ( XXXX XXXX ). In XXXX USAA hired a sub-contractor ( XXXX XXXX XXXX ) to service the loan however I still am required to pay to the order of USAA FSB. I have paid my mortgage at least XXXX month early since the initiation of this loan ( XXXX XXXX ). For over two years, since XXXX was brought on as a mortgage servicer company, they, USAA and XXXX, have falsely/incorrectly adjusted my mortgage due date, always due earlier, I believe, in an attempt to mislead me and make me think my payment is late. I have contacted both companies who have responded to me however the practice continues every month to every two months.
To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.
XX/XX/XXXX, I attempted to use my credit card and was denied. I called up Compass Bank and was told there was a hold on the card as there was fraudulent activity on it. Since then, over 3 months later, the charges and accruing interest have not been removed despite phone calls and repeated visits to the bank. 
The excuse used is that I have to dispute the charges, despite Compass knowing they are fraudulent as they told me about the dubious charges in the first place. I have requested numerous times a hard copy of their dispute form and so has my banker, all to no avail. 
What is particularly galling in all this is that Compass Bank is well aware that these charges are fraudulent and yet refuse to remove them from my credit card. 
Only one banker has bothered attempting to help me, the rest of Compass Bank customer service has been abysmal bordering on contemptuous.
This is an addendum to the complaint already filed on this same subject and is further explained in the attachment.     SPS has responded to the last complaint, and again has allowed  XXXX  to convince them that the force-placed insurance amounts they stole from my account in  XXXX  of  XXXX  and  XXXX  of  XXXX  were valid. My bank statement clearly shows that I had paid this insurance premium in  XXXX  of  XXXX , and  XXXX  had been properly informed of this by my insurance company. However, they still pulled over {$2300.00} from my account in  XXXX  of  XXXX  and again in  XXXX  of  XXXX  and those funds were never placed back in my account.     They also responded that the illegal and unauthorized and unjustified charges totaling {$3800.00} were allowed charges related to bankruptcy and foreclosure. These charges occurred between the dates of  XXXX  of  XXXX  through  XXXX  of  XXXX . THERE WAS NO FORECLOSURE OR BANKRUPTCY IN ANY WAY ASSOCIATED WITH ME OR THIS LOAN AS OF THOSE DATES! Even the default date on this loan was not until  XXXX  or  XXXX  of  XXXX , so I guess we 're supposed to believe that  XXXX  was psychic and went ahead and started assessing charges 4 years prior to my default to apply toward my foreclosure?     But the addendum sent to  SPS  yesterday also includes the fact that, according to the payment records provided by  XXXX  or SPS, the first payment I made to the previous servicer,  XXXX   XXXX   XXXX , was never applied to my account. That is detailed in the attached letter and supported by the attached documentation.