WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
I received an escrow account disclosure statement on XX/XX/XXXX, from Nationstar, now known as Mr. Cooper, in XXXX, Texas, that my escrow was short over a {$1000.00} ; then I received a mortgage loan statement on XX/XX/XXXX, that my escrow has a minus balance almost {$2000.00}. 

I do not understand how nor why there is a minus escrow balance. 

I am paying the mortgage amount Nationstar/Mr. Cooper states ( even when it goes up ), and, money is taken from my payment and placed into my escrow - why is there a escrow minus balance?
Regarding : escrowformal complaintmortgage administration errorslack of responseIgnoring and breaking laws XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX among othersRequested company guidelines for conventional loans, deniedReceive unsigned documents that do not respond to specific questionsGiven incorrect informationCustomer service is rude, obstinate and offers hyperboleSends collection notices and calls when loan is paid in advanceDose not provide interest charged, unpaid principle balanceMisapplies payments and addition principle paymentsReferred me to wrong Federal agenciesQuotes laws that do not existShuffled from department to department for monthsWould not give correct name of Company to establish registered agentWould not provide registered agent info for the State of GeorgiaWill not follow terms of noteProvides written answers that conflictInterest not calculated correctly for addition principle paymentsImproper address for letters or letters ignoredRefuses to apply daily per diem to additional paymentsWill not provide statements that reflect interest charged or calculation method i.e. XXXX
I notice d two months a go upon receiving my annual credit report that there was a debt I did not recognize. I suspect this debt to be fraud.
Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its  employees, Asset  Manager   XXXX   XXXX  and Asset Manager  XXXX   XXXX  knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how  Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and   its employees have  operated in this racketeering business enterprise for profit orchestrated through the Master Servicer   XXXX   XXXX   XXXX .  Bayview Loan Servicing and  its emplo yees, Manager   XXXX   XXXX  and  XXXX   XXXX  have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf  XXXX   XXXX   XXXX  designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC  failed to provide permanent modification documents that were not damaged and delivered late from  XXXX   XXXX  to  XXXX   XXXX . Finally, after making trial modification payments f or nine mon ths, Between  XXXX   XXXX  to  XXXX   XXXX  and the month of  XXXX  we paid at least {$1900.00}. From  XXXX   XXXX  to  XXXX   XXXX  we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of  XXXX  and  XXXX   XXXX  . Bayview Loan Servicing then  started foreclosure on our home. We did start making payments again in the month of  XXXX   XXXX .
On XXXX XXXX, 2017 at approximately XXXX XXXX I did the following : 1 ) Called Customer Service to place a Stop Payment on a check. They informed me that they could not place a Stop Payment. 2 ) I called the XXXX branch during business hours and was told that " I had to come in '' to place the Stop Payment. 3 ) I informed them that I was in downtown XXXX XXXX and could not get back before closing. 4 ) I have since contacted the branch where I opened the account. I informed them that I had no Online Access to " Stopping the check. '' Pacific Western should not offer checks since they have " no support for check writing and having to go into the bank when there are only 3 branches in all of California. '' People can not physically get there. And 5 ) I had tried to dispute this with another branch but they refused to assist.
Commonwealth Financial Sy stems of  XXXX    XXXX    XXXX ,  XXXX  PA  XXXX  has placed a collection account on my   XXXX   credit file and my  XXXX  credit file. It has resulted in my refinancing of my home to receive a higher interest rate because of their negative posting on my credit file. The debt that they are trying to collect is not mine, it 's a debt for {$120.00} which was supposedly from  XXXX . In  XXXX    XXXX   this same debt was posted by another collection company called  XXXX , this was removed from my credit file because it resulted from my identity theft situation. Now the debt has been transferred to this collection com pany Commonwealth Financial Systems, they have posted this incorrect {$120.00} debt on my credit file without ever contacting me. I tried calling them but got a telephone voicemail system and had  to leave a message for a return call. This company is not doing proper business and its poor and unethical business practice has just cost me a interest rate hike in my refinance process. This is extremely unfair and frustrating as its going to take me about 30 days to complete my dispute with  XXXX . Companies like this should not be allowed to post anything they want to consumers personal files. There was no communication sent to me whatsoever. I would have never known unless I ran my credit.
Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.
TWICE IN XX/XX/2018 I CONTACTED EXPERIAN CREDIT BUREAU TO FIRST REMOVE FRAUDULENT CREDIT ACCOUNTS FROM MY CREDIT REPORT AND IT TOOK THEM ME WRITING THEM TWICE FOR THEM TO EVEN PAY ATTENTION TO THE CORRESPONDENCE. WHEN I FIRST CONTACTED THEM I ADVISED THEM THAT MY NAME WAS APPEARING TWICE WITH 2 IDENTIFICATION NUMBERS WHEN THERE IS ONLY ONE ME AND THERE IS NO REASON FOR 2 TO APPEAR ON MY CREDIT REPORT, THEY ARE ALSO REPORTING AN ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX THAT DOES NOT BELONG TO ME AND I HAVE NEVER LIVED THERE AND I NOTIFIED THEM SEVERAL TIMES THAT THIS IS NOT MY RESIDENTIAL ADDRESS, NOR HAVE I MOVED IN 30 YEARS ; ADDITIONALLY THEY HAVE ALLOWED SEVERAL CREDITORS TO OBTAIN, ACCESS AND REVIEW MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE AND I DO NOT HAVE ACCOUNTS WITH ANY OF THESE CREDITORS AND I WANT THEM ALL REMOVED AND DELETED AND I ADVISED EXPERIAN OF THIS TWICE ALREADY AND I AM TIRED OF WRITING THESE PEOPLE. EXPERIAN IS ALSO SHOWING MY HOME TOWN AS XXXX XXXX NY XXXX INSTEAD OF XXXX XXXX NY XXXX AND I NOTIFIED THEM OF THIS SEVERAL TIMES AND THEY ARE STILL IGNORING MY CONCERNS REGARDING THE CORRECT TOWNSHIP BEING REPORTED ON MY CREDIT REPORT. THIS IS A VERY SIMPLE FIX AND I SHOULD NOT HAVE TO CONSTANTLY KEEP WRITING THEM OVER SOMETHING SO SMALL AND TRIVIAL SPENDING {$7.00} FOR PRIORITY MAIL EACH TIME I CONTACT THEM -- IT'S RIDICULOUS!! ... MY EMPLOYER IS XXXX XXXX XXXX XXXX AND I AM A XXXX XXXX, MY PREVIOUS EMPLOYER WAS XXXX UNIVERSITY AND I WAS A XXXX XXXX XXXX AND EXPERIAN CAN NOT GET THIS INFORMATION CORRECT EITHER AND IT IS STILL REPORTING INCORRECTLY WITH TYPOGRAPHICAL ERRORS WHERE YOU CAN NOT EVEN UNDERSTAND THE INFORMATION TYPED, AND LAST BUT NOT LEAST MY HOME PHONE # IS NOT SHOWING AS ONE OF MY TELEPHONE NUMBERS ON THE TELEPHONE SECTION OF MY CREDIT REPORT. EXPERIAN IS ONLY SHOWING MY WORK # AND CONSIDERING I HAVE A FRAUD ALERT ON MY CREDIT REPORT IT IS IMPERATIVE THAT POTENTIAL CREDITORS HAVE BOTH MY HOME AND MY WORK TELEPHONE NUMBERS AND I HAVE UPDATED AND PROVIDED THE CORRECT INFORMATION TWICE ALREADY AND EXPERIAN, WITH IT'S UNDER-TRAINED STAFF STILL CONTINUE TO TYPE THE INFORMATION INCORRECTLY AND NOT PROVIDE ACCURATE AND VALID INFORMATION THAT I HAVE PROVIDED TO THEM. I SHOULD NOT HAVE TO CONTACT THE CONSUMER FINANCIAL PROTECTION AGENCY FOR MATTERS SUCH AS THIS AND EXPERIAN SHOULD BE A PROFESSIONAL ENOUGH ORGANIZATION THAT THE HANDLE MATTERS LIKE THIS MUCH MORE PROFESSIONALLY AND WITH EXPEDITION. IT'S TERRIBLY RIDICULOUS, CUMBERSOME AND I PERSONALLY CAN NOT STAND CONTACTING THEM AND THIS IS ONE OF THE REASON WHY I HAVE NOT EVEN USED MY PERSONAL CREDIT IN OVER 10 YEARS JUST TO AVOID HAVING TO DEAL WITH CREDIT BUREAUS AND THEIR NEGLIGENCE!!!
We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.
I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my  State issu ed identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
Online dispute does not work. Online dispute asks questions about accounts that are not mine. After answering " none of the above '', session is terminated. It reports I am an imposter and request I send a copy of my license and call some " XXXX '' number.
I started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.
Account number ending in:XXXX  This account is not reporting correctly on my credit report. Right now it's reporting as a collection/charge off on my XXXX XXXX credit monitoring report. It was never a collection account. Please contact the creditor and verify that this account should be reported as never late and paid and full.
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. I also requested that an address be removed from my credit report on XXXX the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not XXXX has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
I have been a victim of fraudulent activity on my credit. I have a identity theft report FTC # XXXX. Your company Experian only blocked one account which was XXXX XXXX. Please review report for all cases involved. I have a XXXX XXXX Account # XXXX. This account must be removed and or blocked from my credit profile immediately.
At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.
I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.
Approximately XXXX, 2015 paperwork was filed with NationStar Mortgage for a loan modification. NationStar informed the modification was not received so the paperwork was sent again. Again it was apparently not received. 
XXXX of 2015 I XXXX XXXX of XXXX XXXX was hired to sell the property prior to Foreclosure Auction. XXXX investors discussed an offer of {$100000.00}. An offer was then submitted and accepted for {$110000.00}. According to the original payoff information provided by NationStar that would cover the XXXX & XXXX mortgage. XXXX XXXX, 2015, current payoff information was obtained by XXXX XXXX as closing on the sale was set for XXXX XXXX, 2015. At this time it was discovered that there was not enough funds to cover the sale. A short sale process was initiated. Information was sent to NationStar a XXXX time and also uploaded through the " XXXX XXXX ''. This was approximately XXXX XXXX, 2015. 
XXXX XXXX, 2015 Notice was given through XXXX that the short sale request on the first mortgage was denied and to continue working on the XXXX mortgage short sale. This has been an ongoing process. 
Property is set for Foreclosure Auction XXXX XXXX, 2015 and NationStar is neglecting to proceed in completing the short sale request to complete the sale and remove the auction Status. This is email sent today by XXXX XXXX to Asset Manager, Supervisor and " ManagerNSProcessing '' through XXXX. " My client and I would like to know who to file a complaint with regarding these loans and the status. XXXX XXXX has sent in paperwork twice for a loan modification which NationStar told her were not in the system. XXXX XXXX I began the process of short sale on the property and we have been in constant communication since. XXXX XXXX is our XXXX XXXX, he is who I have been working with. Last week I asked about progress on the loan, XXXX XXXX stated he would send a request for the XXXX, it was not on file yet. I just got of the phone with Rep who says request was sent yesterday! My client spoke to someone this morning referring her to a XXXX XXXX and was informed we are handling the process incorrectly and I should have spoken to a manager and provided XXXX and much more. All of this has been provided through XXXX and much more. Foreclosure auction is set for XXXX XXXX for at {$75000.00}, we have an offer and buyers waiting to complete sale at {$110000.00}. ''
Ally Financial agreed multiple times to remove a late payment from being reported to the credit bureaus after the loan was paid in full and completely closed. The dealership did not report the numerous problems with the vehicle before purchasing and a I was stuck with multiple thousand dollar repairs. They have agreed multiple times to delete the late payment.