WillisBack/dataset-financial-user-claim huggingface dataset:
I am growing incredibly frustrated by Equifax and their violation of the law. I continually dispute an inaccurate and illegal Lien showing up on my credit report under the public records section and they keep updating it as accurate and sometimes they even change the information around to make it more inaccurate and confusing. 

No where in the other bureaus does public record item # XXXX appear because they are following the law. Equifax is violating it. This lien is not on file! I am not tied to this lien this lien was for a BUSINESS. I have asked Equifax to reinvestigate this and show me how they verified it, but they have no answer for me and keep redirecting me to the XXXX XXXX XXXX. 

There is no proof that this belongs to me, personally. It can not be on my records, this is wrong. This was for a business, I am not the owner of that business. 

Public records are not legally allowed to show such liens anymore. The consumer Financial Protection Bureau executed a law against this very kind of this effectiveXXXX XXXX, XXXX. 

No social security number can be verified, no complete address or name. so how is this being tied to be? I have been matched to it illegally because in the past I was associated with a business, but this has nothing to do with me. 

PLEASE SEE ATTACHMENTS FOR EXPLANATION : Since XXXX i have disputed this item over and over again and on XXXX XXXX, XXXX I sent another dipsute asking for a full investigation and deletion via Certified Mail Return Receipt Requests, and on XXXX XXXX, XXXX a XXXX XXXX accepted my letter and on XXXX XXXX, XXXX they responded with a claim that it was verified and that this time the amount is not {$120000.00} it is {$12000.00}! 

WHAT IS GOING ON? Who is investigating this, changing the information around and verifing this in merely 3-4 days? How is this possible? The new laws STATE that all information must be verified with the clerk and be no more than 90 days old. Who verified this? who changed it? who went to the county? If there is a bogus system at work here it is matching the WRONG people to the WRONG information and harming their credit reports. Why is it that Equifax is the only one form all 4 bureaus having this issue? It took one simple dispute with the other agencies for them to see that it is not MY lien! This is a business account. 

I have attached the conflicting reports to this dispute. Please note that the screen shot showing the public record item was taken TODAY and even though Equifax now claims this lien is not {$120000.00} it is {$12000.00} it is STILL reported as {$120000.00}. I just want to show that they are truly unorganized, unprofessional. This is costing me hundreds of thousands of dollars because I am being denied credit and refinances because of this inaccurate an illegal lien. 

WHO WILL HELP?
I was studying in the XXXX last year and opened an account with XXXX bank. My student visa was later rejected after coming back to XXXX, which means I would not be able to go back to the XXXX. To get the funds back, I have been calling XXXX bank for at least 3 times. Each time the phone call lasted for more than 1 hour. They would be just transfering my phone call to different department. After sending the fax and the documentation as they requested, the person from the fraud department claimed that they had never received my fax even though I had had the fax delivery confirmation receipt. When asking him about the process to resolve this matter, he told me that I only could wait and call back if possible. However he could not clarify the expected processing time for this matter.
Navient se nds me emails claiming they want to lower my interest rate and help me and every time I call to get relief they tell me " oh your loan is private, it does n't apply to you ''. Oh it does n't apply to me but you still send me the email, get my hopes up and revoke it. They wo n't let me refinance. They wo n't let me have my loan in my my name, they wo n't drop my cosigner off, my cosigner is my grandmother. She did her part, I got the loan. Years ago. She 's ready to be done with it. She 's called, I 've called. I make my payments on time. I do n't miss. So why ca n't I have my loan in my name now. This company 's customer Service is the worst. Worst. Caused me so much mental agony. When I was   XXXX  I did  n't realize what I was getting myself into, but after years of suffering with this company. I now know.
I received an email from XXXX alerting me that a credit inquiry from Citibank had been ran using my name, address, and social security number. I do not have any accounts with Citibank. I disputed the inquiry with XXXX and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called Citibank and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Despite my repeated requests for them to do so, EXPERIAN refuses to delete outdated, inaccurate accounts containing numerous errors and issues of ownership stemming from an acrimonious divorce dispute with my former spouse. Specifically, they continue to list judgments from XXXX XXXX from XXXX XXXX BANK and XXXX ; a repossession/late payment account with XXXX ; XXXX " charged off '' credit cards with XXXX ; a collection account with XXXX XXXX XXXX ; and lastly a collection account with XXXX XXXX. In addition, they also refuse to delete an outdated account with XXXX which contains numerous errors as well as an inquiry XXXX XXXX made on XXXX/XXXX/2014 without my authorization or knowledge.
A few weeks ago I received a summons from Outsource Receivables Management, a company I 've never head of. I tried contacting them but they never returned any of my calls. After doing some research I found they were trying to collect for XXXX XXXX Clinic. I contacted them directly and made a verbal agreement to make payments directly to them ( which I have been doing ) On XXXX XXXX, 2017 I received a notice of judgment for $ 1600+ from Outsource Receivables Management. My biggest complaint is that I never received any notice of collections from this company. This is not a legal practice. And I have made arrangements from with the original debtor and have paid half of the original balance of {$960.00} down to {$480.00}
On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.
Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do anything.
I have mulitiple hard inquiries I never authorized. I have disputed multiple times without them being deleted or updated. XXXX  is the only one that fixed because I was in their breach These inquiries I did not authorize or request XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This one is a duplicateXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX duplicate already done in XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I received a voicemail from the above mentioned company on XXXX/XXXX/2016 @ XXXX requesting I recontact the caller about a merchant, XXXX. After calling the number provided I only learned they were a debt collector as this was their first attempt at communication. I believe the licensee violated XXXX XXXX XXXX ( XXXX XXXX as their initial communication ( voicemail ) failed to indicate their company name, status as a debt collector, and that they are attempting to collect a debt in the voicemail message.
I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.
This is a debt that resulted from a ride in an ambulance from a hit and run that I did n't authorize. I was grazed by a car but was fine. The ambulance drivers, instead of just checking me out on the scene, handcuffed me to the ambulance and drove me to the hospital where I was checked out and released an hour later with nothing wrong with me. This is how the over XXXX in collections have occurred on my credit report which has jeopardized my ability to get a home loan at the best rate. i have even offered to pay half and share the expense ( even though I should not owe anything ) and was denied.
Several years ago we refinance our home using Fidelity Title Company in XXXX CA, we paid a courier fee of {$75.00} but we did not use them, we picked up our documents directly from them, they said they would refund the money but never did. 
recently there was a lawsuit against them on this very same issue however we have heard no further communication from the law firm or the court on this matter. 
We did communicate to Fidelity but we are not even sure which department to talk to or our reference number or other ID number and this is what they asked for. 
So we like at least our {$75.00} back or the law suite settlement money which ever is greater.
On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.
I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....
I have had constant communication with Navient over the past six months as I am trying to pay off my loans quickly. I started tracking my monthly bills as I started making XXXX dollar payments ( my monthly IBR is {$360.00} ). I pay {$700.00} to ensure I am covering the new interest that is accrued monthly. In XXXX my total loan balance was {$130000.00} and in XXXX my total loan balance was {$130000.00}. I had not made a significant payment at this point in time only the {$700.00}. In addition, the total unpaid interest for the loan was {$17000.00} in XXXX and then in XXXX it was {$28000.00}. I called to inquire and a woman told me it was because they audited my account and found that they had paid too much of the interest on my subsidized loans. I just got off the phone without inquiring more. I then called back and the new Navient customer service rep could not find out why the interest changed and the balance. He put in an inquiry at which point I received a letter from Navient " explaining '' what happened. When I called again to ask what the letter meant the customer service rep could not tell me. He put in another request asking why my account was audited, a full report of every payment I've ever made, and a better explanation of the increase in the unpaid interest. I received the letter explaining the aforementioned and all it was was a generic sheet on how interest accrues. My questions have yet to be answered. I find it very interesting that they decided to audit my account once I started making large payments. I've made close to XXXX in payments since XX/XX/2018.
I have contacted transunion about credit inquiries that was showing up on credit report and I ask them to remove them because I was a victim of fraud ... the credit inquiries was mortgage inquiries I have not authorize no lenders to check my credit for a mortgage loan or auto loan I am not in the market for no mortgage loan or auto loan ... and also XXXX and XXXX XXXX are fraudulent accounts I will like those accounts to be remove also
I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.
During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. ''
In XXXX of 2018 Incorrect information was on XXXX XXXX XXXX 's credit report due to a similiar name ( mistaken identity ) this information was disputed and removed. XXXX XXXX XXXX never received information in writing or electronic notice of the decision. XXXX XXXX XXXX would also request that a copy of his corrected and current credit report be sent to his lenders that have reviewed his credit report in the last 6 months.
I am XXXX XXXX of XXXX XXXX XXXX, XXXX, fl XXXX. Email XXXX. Phone # XXXX. 

On XX/XX/XXXX of this year an unknown person went to my local post office and fraudulently submitted mail forwarding from my home to : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX On the same day an account with Capital One was opened in my name. I have never had, do not have, nor have I ever applied for any product with Capital One. 

On XX/XX/XXXX, Capital One contacted me via letter requesting further information about what they claimed was my application, funny, perhaps they have should done that before they gave up {$32000.00} and ruined by credit, and created distrees, anxiety, and massive inconvenience, affecting my personal and professional life. I learned that someone opened this account and charged over {$32000.00} to it. No payments were ever made. 

My credit score has dropped over 200 points. 

Capital One has promised to resolve the issue but it still appears on my credit. They have been very difficult to work with. I cant understand how they would give so much money out in my name without bothering to confirm my identity thoroughly. 

Capital One case # for account ending in XXXX, case # XXXX XXXX XXXX XXXX What can I do to resolve this?