WillisBack/dataset-financial-user-claim huggingface dataset:
I am in a active bankruptcy making payments to a trustee for arrearage mortgage payments as well as sending monthly payments to the mortgage company. I have tried many times to obtain a loan modification to help lower the interest and payments and Ocwen has always told me they never received my application with the required documents. Today I received a very alarming mortgage statement that indicates they are placing my payments in " unapplied funds '' account. A while back they indicated to the courts I had not been making payments and I had to bring an entire years worth of bank statements to the bankruptcy judge to prove differently. When I see this, I feel like they are going to pull the same trick and claim I am not making payments and I am not sure as to why they are placing my payments in such an account. My payments should be going towards a current mortgage payment and not in a unapplied account.
In the past 2 month, after receiving XXXX and XXXX bills, I was forced to call so-called Customer Service and explained why finance charges appearing on the each of those bills should not have being accessed. Each time finance charges was credited back to the account and each time I was promised that similar charges will not appear on the next bill. And low-and-behold, these finance charges were on the each and every next bill, including latest, XXXX bill!
This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals. 

Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness. 

In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate. 

My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act. 

Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades. 

Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )
I have 12 student loans from fed loans account and one from XXXX that keep appearing and that i am no longer liable for on my credit report Open dates for fed loan XXXX XXXX, XXXX ( 13 yrs, 11 mos ) XXXX XXXX, XXXX ( 13 yrs, 2 mos )  XXXX XXXX, XXXX ( 12 yrs, 1 mo ) XXXX XXXX, XXXX ( 12 yrs, 5 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 5 yrs, 4 mos ) Open dates for XXXX XXXX XXXX, XXXX ( 11 yrs, 2 mos )
As it pertains to the credit bureau of XXXX, Equifax, and XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX report of {$98.00} that should not be on my report because it was fraudulent.
I have been trying to make accout on Experian.com for a while now and it always says information doesn't match and asking me to write them a letter. I am never able to login on Experian.com to my account because my information doesn't match with their side. I didn't bother with this much until I recently came across with a new problem. 

I am studying to be a XXXX XXXX and recently I am trying to signup for IRS services and in order to gain access to IRS services they verify identity by using Experian credit reporting services. Again the INFORMATION I AM PROVIDING NOT MATCHING WITH EXPERIAN. I wrote Experian a letter about this and included photo copy of my Driver license and Social security card. Upto now they still not able to find and correct what's wrong and there negligence is affecting me financilly since I am not able to persue with my carrier and will not have access to file tax returns with IRS in the upcoming season if EXPERIAN don't fix this soon. IRS want me to talk to Experian about this and Experian is not taking this seriously. They must find out what is wrong on my credit report and why it's not matching. Please help. 

Please note : IRS doesn't have any other alternative, I must go through this security process and Experian in not coaperating and not taking steps in reasonable manner to correct this. 

Thank You
This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation
My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.
Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.
I submitted a dispute to Transunion on XX/XX/XXXX. It was concerning an old medical bill that had been paid by insurance in the amt. of {$120.00}. I did not hear anything from them. So on XX/XX/XXXX I sent them a letter telling them that I had not heard anything and I wanted it removed from my credit report immediately. On XX/XX/XXXX they notified me that they completed the dispute and it is staying on my report. On their own web page it clearly states that if they fail to complete the dispute within the 30 day period ... ... it would be removed!
I am actually trying to lodge a complaint about credit inquery into my credit as part of mortgage applications and job applications. Previously I have never had issues with my credit but now I have multiple hard inquiry over a recent period. 

Huntington bank XX/XX/2017 and XX/XX/2017. Neither of these were authorized. I had submitted information to a mortgage broker to allow them to come up with a GENERALIZED idea of possible loan amounts. After the first one was completed, i had emailed a different broker within the same company as I was trying to work in a different region than the original inquiry. They once again wanted all my information but i informed them specifically to NOT SUBMIT a request because I had all that information and huntington bank should already have all my information for any mortgage quotes they could provide. INSTEAD they inquired again which affected my credit score. I attempted to contact them to resolve this issue but the mortgage broker said there was nothing he could do. I COULD UNDERSTAND TWO DIFFERENT BANKS BUT THIS IS THE SAME BANK AND IT PENALIZES MY SCORE!!!

Is there ANY WAY to get one instance removed? I understand the initial huntington bank but the duplicate really hurts my score and was unreasonable!

Thank you for any help you may provide
Caller call me XXXX XXXX, XX/XX/2018 ; stating the call was being recorded and requesting me to verify who I am, and my address.. Caller refuses to tell me who they were or what the call was about.
I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .
Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.
I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )
I disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.
Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance
I submitted a complaint on XX/XX/XXXX about what I owe. Green tree responded and requested 60 days to respond. I called before my XXXX payment was due and asked if I am supposed to make payments while it is being investigated and the representative told me I am. I need clarification on this because according to the FTC and CFPB, Green tree is supposed to hault collecting payments until I have received a completed response. If that is so, why have my automatic payments still been drafted since complaining on XX/XX/XXXX? As, well, told by a Green tree rep that I still have to pay. Please let me know an answer and if my payments are supposed to be stopped because of that order, what does this mean in regards to my account and not being foreclosed if payments are n't received.
I discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Items from Choice Recovery are on my report in duplicate.
Equifax is not responding to any of my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.
Equifax is reporting  XXXX   XXXX  as a duplicate account already paid and closed.
In the previous complaint on National Credit Systems, they claim to have spoken to me in XXXX ( on a recorded line ). In this conversation I told whom ever I spoke with that this debt was inaccurate and incorrect. I do not owe this debt. They have not provided any information as to the origin of the debt and why it is owed.
I went to obtain a XXXX day extension of my initial fraud alert today. Both XXXX and XXXX whatever made it impossible ( no actual persons to speak to ) to choose that option, as it was never presented. Time is of the essence, and there is no way to speak to any person at any of these XXXX in order to timely make that request.
On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/XXXX.
This account is a student account that I opened in XXXX. This checking account is from Citibank and has no fees. They no longer have this program but grandfathered me in to continue using it as such since I have been with them for years and have had no problems which means the fees are waived. I dont keep a lot of money only enough to keep it open since I am currently waiting on a XXXX SSI/SSA claim. I had an ending balance of {$2.00} that I never withdrew as of XX/XX/XXXX. As of XX/XX/XXXX I was given a fee of {$12.00} without warning and right after an overdraft fee of {$34.00}. My account says that It is overdrawn - {$43.00}. I currently dont trust this bank anymore as I also believe they reordered my transactions to charge fees.
I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.