WillisBack/dataset-financial-user-claim huggingface dataset:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I have been a Chase checking account owner for over 15 years. I recently tried opening a Savings account online ; I went through the process of logging into my checking account and transferring funds from my checking account into the new savings accounts. Once the process was done, I was asked to create a PIN for an ATM card. After this, I was informed that the Savings account was successfully created and the card would be mailed to me within 7 - 10 business days, while the Savings account was supposedly opened immediately.

I went to my accounts on the Chase.com website and I saw my Chase credit card, Chase Checking account information but not the Savings account. 

After two weeks of waiting, I called Chase customer service on XX/XX/XXXX and the lady I spoke with confirmed that my account had no savings information on there. She advised me to go through the process again. 

On the same day, XX/XX/XXXX, I went through the same process described as above. After which, I looked at my online Chase accounts and still, no Savings account. I immediately called Customer Service and they once again confirmed that there was no incidence of a Savings account creation.

My concern is that the system might be slow and since I have transferred money twice to the phantom Savings account ( s ), in the future, these accounts may be created, thereby prompting the funds draw from my account twice and then I will be hit with overdraft fees.
I have never done business with this company and do not have a contract with them and never will I want this account to be removed
Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.
1. XXXX 2. Experian 3. XXXX XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and Experian accounts not reporting : 1. XXXX XXXX XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX 1. XXXX XXXX accounts not reporting 1.  XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX
Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. 
Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.
XXXX/XXXX  XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX and Transunion. Please remove the 30 day late payments from my credit reports.
Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, XXXX XXXX XXXX
I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
I was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.
I co-signed for my son 's private student loan i n  XX/XX/XXXX . At the time I was told that after my son graduate 's from college which he did in  XX/XX/XXXX .  And after a few years of repaying the private student loan as long as it was never late and that it was on a monthly automatic deducted from his personal account I would be able to sign off as a co-signer. This has not happened and I am getting no where 's when I inquire about this matter.
Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with XXXX   as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and XXXX both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.
Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX
On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.
On XX/XX/XXXX, a Georgia State tax lien for {$460.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>On XX/XX/XXXX, a Georgia State tax lien for {$1000.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>In addition, per Georgia Law, Once a tax lien has been paid and released, a tax lien must be removed seven years from the DATE IT WAS FILED.
I ordered a money transfer to XXXX via Ria XXXX XXXX on XXXX/XXXX/2015. Prior to this, I used their service few times and never had an issue. On this occasion, XXXX was unable to credit the money to my recipient 's account within XXXX business days. I requested the order to be cancelled on XXXX and till today they have n't refunded my money. I keep calling their customer service everyday, and each time the give me an unacceptable reason that the correspondent bank is not acting fast enough. As a customer I do not care about their partners. It has been over a week now and I am still waiting to get my money back from Ria.
I called to find out what was going on with my inquiries because i checked my report and they were gone and then I got a message from my monitoring service that my score had dropped because those inquiries were added back on. I was told there was n't anything that could be done on there end and to contact the creditor.
In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.
American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.
They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed.
I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.
I contacted XXXX XXXX and Equifax on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
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I have been unsuccessful with XXXX XXXX and Equifax, I sent letters to the agencies who placed inquiries on my report, no response, I asked XXXX XXXX and Equifax to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
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XXXX XXXX : Equifax was authorized but only once, they have it listed twice onXX/XX/XXXXand XX/XX/XXXXXXXX XXXX was authorized once but listed twice on XX/XX/XXXXandXX/XX/XXXX.
XXXX was not authorized at all onXX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXXor XX/XX/XXXX XXXX was not authorized at all onXX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized onXX/XX/XXXXEquifax XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXXXXXX XXXX XXXX XXXX never authorized XX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX) XXXX XXXX not authorized onXX/XX/XXXX ( only authorized once onXX/XX/XXXX )
I am cosigner on my daughters XXXX loan. My daughters loan is in default and XXXX loan has given this loan to debt collector Attorney Russell P Goldman located at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, NJ XXXX. This debt collection company put a levy on my bank account and took everything I had without notice. My daughter and I received a letter that XXXX Bank as well as XXXX XXXX XXXX had a levy placed on them. Neither of these banks do I hold an account at. My bank is XXXX XXXX and this bank was not mentioned in any of the received paperwork. Also once before they had placed a levy on my daughters XXXX Bank account and when my daughter wrote a letter to the court to claim her {$1000.00} exemption they lied to the court and said there was no levy yet we supplied the court with a copy of the paperwork where they did. This debt collection company does not work within the guidelines that they are to follow. If they have been dishonest with my daughter and myself then I can imagine they have the same practice with all of the people they are harassing for payments. My daughter has also in writing on numerous occasions asked them to consider payment arrangements as she does not deny the debt, it is that the payments were so high she could not afford them. This debt collection agency has ignored every request that my daughter has made to them in writing about a payment plan. XXXX loan was seeking {$1900.00} per month from my daughter directly out of college. My daughter was granted XXXX forbearance and then denied consolidation as well as refinancing as they said she did not make enough money to do these things. We still do n't understand this logic as consolidating would have made her payments less and would enable her to keep on track. XXXX loan essentially dismissed my daughter as she was not making full payments but she was paying whatever she could and XXXX loan defaulted her even though she was attempting to make any kind of payment to them. In closing I would like to also add that XXXX of the loans that was less than {$90000.00} has now somehow since XXXX blossomed into {$210000.00} while at this debt collecting agency. Is n't this Usury?
This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?
received XXXX calls within 2 hours on XX/XX/2016,4 calls on XX/XX/2016 where I talked to a rep that insisted I make payment even after I explained to him in detail 3 times that no funds are available until after XX/XX/2016 and to please stop blowing up my phone. 
so I received XXXX calls on XX/XX/2016, XXXX calls XX/XX/2016, XXXX calls on XX/XX/2016 and XXXX calls with a real voicemail so far on XX/XX/2016. other calls also had voicemail but only *dead air*. 
clearly the company is either not keeping records of their customer contacts or they just do n't care about FDCPA. 
the company is a bank dealing with medical care credit- synchrony bank
I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it.