WillisBack/dataset-financial-user-claim huggingface dataset:
I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : XXXX and TransUnion $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXXis reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX TransUnion has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account sinceXX/XX/XXXX on the first andXX/XX/XXXXon the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXXand XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
XXXX XXXX stated they would help improve my credit score and for nine months I paid XXXX dollars and my score did not improve and every time I sent an email requesting to speak to someone they would send me a boiler plate letter staing their method is proven and it takes time. I did what they said by sending them the responses and nothing was done. They never sent me a copy of the letters they were sending per my request so I dont know if they did anything or not.
I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? 

loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX
i have 2 loans with loan depot on one building which is a duplex. county tract line goes down the middle of the house. Thus 2 loans. When i receive my escrow disclosure statements they fail to divide the taxes and insurance in half for each loan. Insurance for house is XXXX a year taxes are XXXX. I have this problem every year for the past 3 years. I have called customer service many times to fix the problem and are told that it is taken care of. But it never is. I have had my insurance co. call and send documents to confirm the information. and no response from Loan Depot. also the loans are the same amounts yet one loan payment is XXXX a month the other is XXXX when i inquired why they had no answer.On XX/XX/2016 I sent the insurance division a letter explaining this problem and never received a reply. I am very upset and angry. Your help will be great.
On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.
I wanted to buy furniture from XXXX. I was told that, with a XXXX credit card, I would get {$40.00} off my order. I applied and got a form letter from XXXX Bank, saying credit was denied, based on information from Experian. After hours of phone calls, I was told that XXXX XXXX where I had a card, had submitted an incorrect SS number for me. ( I have n't used that card for several years. ) I disputed and got a communication from Experian to the effect that they completed the processing of the dispute. However, the Experian web site still reflects that I 'm " in dispute. '' I called XXXX, but they are unable to change it, of course. I think it 's wrong and unfair that I never had a chance to review the information submitted about me to make sure it is accurate. Also, now that it 's be resolved, why should it remain for so long as if it has n't been. My credit score, according to Experian itself, is XXXX, which that outfit itself calls " exceptional. '' I protest this sloppy, indifferent, and infuriating refusal to remove this " dispute '' thing immediately. Their cynical disregard for my credit standing, effort, time, and frustration, should be recognized. I should be embarrassed to pull the age card, but I will, anyway : I turned XXXX in XXXX and I believe this is actually affecting my well-being. Thank you. 
Note : I tried to attach the letter from XXXX, but was unable.
paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
On XXXX/XXXX/16 I mailed a letter to Equifax requesting all things on my report be validated on my credit report with original documents with my signature other wise it should be deleted off my report. These accounts were not verified with proof and remain on my credit report I want these accounts removed immediately!
Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.
I had a car and loan with XXXX XXXX XXXX.   I havent had this car for more than 2 years but it still shows open on my credit report, although it shows up to date,  it goes against my debt to income ratio when trying to get a mortgage.    I have contacted them earlier this year to have it removed when I tried to buy a house and they sent the mortgage company a letter stating the account wasn't open but it stills shows on my credit report.
We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???
I recently switched to the Chase XXXX XXXX card, and when it arrived I called customer service to cancel my Mileage Plus Club card ( also from Chase XXXX. The agent I spoke to on XX/XX/XXXX informed me that I would get a refund of my annual fee as long as I cancelled the card within 6 months of the fee being charged. She confirmed for me that I had until XX/XX/XXXX to cancel my card to receive a full refund of my annual fee. 
I called again on XX/XX/XXXX to confirm the refund policy and that I had until XX/XX/XXXX. Today I called to cancel the card and was told that the policy was changed XXXX weeks ago and that the new policy only allows 30 days so no refund would be issued. I spoke to a supervisor and he refused to help me in any way, or to provide me with a name or phone number for a more senior supervisor to help resolve the issue. Further he refused to provide me with contact information for your customer Ombudsman, XXXX of XXXX XXXX or primary regulator to report this situation.
I have asked Navient multiple times due to my situation I ca n't physically afford to even pay my own bills let alone having child support being paid out repaying on my school loans I 've asked multiple times can we do something to have no more than {$100.00} a month I understand I have to pay it back I am understanding that it needs a certain amount but when I can not physically afford to even pay my own bills it 's very difficult to add another let 's say {$250.00} being paid out on muonth. I need help I need a really low payment and direction XXXX wo n't lower it even more I understand there 's certain guidelines but when the bar is on able to pay and physically not able to pay this amount due to hardships it makes it hard to be able to pay everything that the borrower wants to pay on.
Unable to have Experian, XXXX, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XX/XX/XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Experian inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Experian just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.
I have received dozens of recorded calls to my business phone line from a company calling themselves " Diversified Adjustment Services, '' saying this is part of a debt collection. I started receiving calls shortly after I activated this business line.
A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.
I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.
I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.
On XX/XX/XXXX I opened a secured credit card with Capital One US. The account closed on XX/XX/XXXX. I did everything in my power to pay down the balance, which was extremely difficult for me because of the leave I had to take from work because of my health. Now that I have a XXXX balance with the creditor, they have refused to removed my account, despite numerous letter from 3 different credit consolidation companies. Please help! I have done everything they have asked.
On XX/XX/XXXX XXXX XXXX took over my mortgage from XXXX XXXX. I had try to re-modify my loan with XXXX XXXX  and XXXX and both broke there contract with me. On XXXX XXXX I went to court against XXXX and agreed on a deed in lieu foreclosure. I had agreed to XXXX dollars and 90 days to vacate. When XXXX found out in XX/XX/XXXX I was granted sole ownership of the home in a divorce settlement and my former wife 's name was on the note that said she had to sign a quick claim deed, I stated I didn't know where she lived- plus for 1 year starting in XX/XX/XXXX during our separation the money I gave her weekly to pay XXXX bank the mortgage. She didn't for 1 whole year and the house went into foreclosure without me being notified because she didn't want me to get the home. When a foreclosure sale date of XX/XX/XXXX was set, XXXX was caught lying to me saying that now she didn't have to sign anything. I called HUD and made a complaint and the sale was canceled. I have been waiting for a hearing to get XXXX, I am XXXX. In XX/XX/XXXX they transferred my mortgage to Caliber homes. I explained my long dispute and should be getting XXXX within 6 months. In XX/XX/XXXX XXXX. sold my loan to XXXX XXXX XXXX .They called for a auction sale XX/XX/XXXX I received notice in the mail XX/XX/XXXX.I called and talked with Caliber and they sent me forbearance paperwork. The same day someone else from Caliber called and denied me-without explanation. I I have a hearing for my XXXX on XX/XX/XXXX and the bank or mortgage company will not allow any more time for me to get my money and re-modify my home loan of 23 years.I worked at XXXX XXXX  XXXX XXXX in XXXX XXXX, Maine for 26 yrs. I became XXXX in XXXX. I was married XXXX yrs this bitter devastating divorce put this whole thing in motion. They want to sell asap because they know they will make a bundle off my misfortune. they all lied, broke contracts and was severely penalized by our government for these illegal business practices and are still doing it, I worked my whole life for this home and they just want another quick buck. I love my home and my land, I am grateful for any help in holding them back for just a month longer to re modify. Sincerely, XXXX XXXX
Met with  XXXX  "  XXXX  ''  XXXX  personal banker a t Wells Fargo   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl. Phone #  XXXX . Went to the bank to get a  XXXX  stamp to make an assignment of a loan to a mutual fund. I was told that I could not get the stamp because the owner of the assignment was not a bank client. I was told th at Wells Fargo could not stamp the document because the person is not known to the bank. This transaction was the purchase of a car, Wells Fargo do es advertise this service to the public and does not state that it is only for bank clients.
The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be removed
The company XXXX XXXX XXXX XXXX reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify ....

This company has gone out of business and is not being ethical with its customers.

This has damaged my credit ... and I want it off my record.
I would like the assistance of CFPB in contacting Citibank Item 1 : I have been charged credit protector fees for several of my credit card accts. I have only received credit for those which I have brought to the attention of CFPB. I have never received credit for my account am I referencing on this complaint. 
Item 2 In 2015 I paid Citibank on account {$9500.00}, I only had charges totaling {$1400.00} see attached information is taken directly from Citibank st my statement. They gave me a credit but kept my overpayment. I am asking for an immediate explanation. I have called XXXX XXXX several times. She does not answer the phone. She sent a bunch of old statements but my overpayment and some of my credit protector refunds are st still pending. They only gave me credit for accounts I requested. They did not give me credits for all accounts in my name. 
I hope that they read what I have written and reach a conclusion. 
Citibank has partially cooperated since CFPB has gotten involved with my account.
I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.
Company agreed that if I paid my accounts in full they would remove them from my credit bureaus. It has been over a month and they are still reporting on all XXXX bureaus. I have called them several times and continue to get the run around and no one can help me.
In XX/XX/XXXX I finally reached my goal of paying off my credit card debt and was ready to purchase a home. I went to explore options for individuals who need assistance with a down payment. The county of XXXX  had a program ( that is still posted on their website ) using parameters of {$42000.00} to qualify, however they do not have any grant funds left this year and the program manager, XXXX XXXX stated that it will likely be next spring that they can offer this program. However the website states there are funds currently available : XXXX XXXX XXXX Clearly the posted income parameters are stated as {$42000.00}. 
XXXX XXXX XXXX I then secured a lender, XXXX XXXX   XXXX XXXX. I told XXXX about the program I found and she stated the City of XXXX XXXX has the same program and did have funds available and that I did qualify using the city 's salary guidelines of {$42000.00}. She prepared my loan package and encouraged my realtor to also submit the package with an offer. I went to great lengths to provide lending documentation, preparing the offer to purchase and submitting the application to the city of XXXX XXXX. I was then informed by XXXX Last the City of XXXX XXXX Program Director who stated that the state had lowered the income guidelines and the lender used an outdated application. Yet the only application and documentation that is available for consumers still has the old income parameters. It was not only disappointing to have wasted so much time and effort but a complete misrepresentation of the programs that are supposed to be available to consumers. How possibly could the income guidelines have gone down when the housing costs have gone up.