WillisBack/dataset-financial-user-claim huggingface dataset:
LexisNexis ( LN ) is reporting an incorrect Filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. LN is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11 U.S. C. 348 ( a ). The section 348 ( a ) concerns the effect from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing of the case or petition the commencement of the case and the order of relief.

XXXX v. XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date.

Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. LN reports Chapter XXXX original filing date as XX/XX/XXXX and case number XXXX.

2. LN reports that Chapter XXXX   original filing date is XX/XX/XXXX and case number XXXX 3. LN reports Chapter XXXX discharge date XX/XX/XXXX case number XXXX.

4. LN reports case ID for both Chapter XXXX and Chapter XXXX as XXXX.

5. I have enclosed documentation from XXXX that states that the filing date for ChapterXXXX petition is datedXX/XX/XXXX.

6. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX 7. I have enclose the Discharge of Debtor order dated XX/XX/XXXX.

8. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX   petition date XX/XX/XXXX. I am requesting that LN correct their records to reflect the law and communicate the information to all credit bureaus which solicit information from LN. I am requesting a corrected copy of my entire file.
Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.
I was sent a check in the mail from XXXX XXXX out of XXXX XXXX, CA that was {$2600.00}. I was asked to deposit the check in my bank account. Then was asked to withdraw all but {$100.00} of the {$2600.00} so deposit into 2 different other accounts. One was sent to XXXX and other was sent to a XXXX through MoneyGram. I later found out that the check was a XXXX and my bank zero 'd out my bank accounts. I need some help to get this resolved.
in XX/XX/2008 we decided to refinance our home so we chose XXXX well instead of a refinance we where pushed into a home equity loan little did we know the rest of our life would be turned upside down we ended up with a bad deed of trust a cloudy title and numerous other issues we have been fighting with the bank for almost 10 years with many attorneys with know out come they have stopped accepting payments and put us in foreclosure status the statue of limitations is up on the forclosure yet they keep on and even trying to sue us this has been an absolute nightmare fist XXXX   then XXXX XXXX XXXX And now XXXX  XXXX XXXX XXXX  XXXX
Our discharged mortgage was sold by XXXX XXXX to an unknown investor XX/XX/XXXX with Fay Servicing LLC out of XXXX, IL being the new servicer. We were promised by Fay Servicing that they would help us stay in our home and that they would grant us a legitimate mortgage on the current market value of our property. This has not happened, to date. We filled out financial papers and then by XX/XX/XXXX the representative called us saying we were approved for a modification of the old discharged underwater mortgage. We were confused. The representative then told us that the deal is we would pay three monthly good faith payments at {$2600.00}, then after that the payments would be monthly {$2400.00}. Then they said after a year we could get a real mortgage at the current market value of our home. So we agreed and I had asked for this in writing which we were told would come in the mail which it did on XXXX XXXX XXXX. Problem is, the contract was NOT what the representative told us. On these papers, it said we had to come up with on XXXX XXXX XXXX {$7800.00}!!! There is no way that we could come up with this much cash in three weeks time! Especially after all the financial hardship we have endured thanks to the collapse and slow down of the economy after XX/XX/XXXX. We showed these papers to our attorney, and he said there was a discrepancy and that it is not clear so he told us to send in a payment of {$2400.00} which is what we could manage. They cashed this check then we get a phone call several days later. Then we received a threatening phone call that if we did not come up with the money by XXXX XXXX, they would proceed with foreclosure!! We do n't want this we want to stay in our home! We have been mislead and deceived by Fay Servicing since the beginning of the year. We require that they stick to their word originally and stop jerking us around! This is fraud, unprofessional and demeaning to us as a consumer.
We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.
Gold Delta SkyMiles Credit Card made the following advertisement offer to me : " For a limited time, earn XXXX bonus miles after you spend {$3000.00} or more in purchases with your new Card within the first 4 months of Card Membership. '' I applied for Gold Delta SkyMiles Credit Card in XX/XX/XXXX and American Express approved my application. However I have not received the credit card for which I applied for until XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX I repeatedly called American Express and informed them that I have not received the credit card from them. During each phone call they verified my name and address and promised to sent me a new card, but no cards arrived in my mailbox. Finally, I wrote American Express a letter and informed them that I never received a card from them and several months after I mailed them a letter I finally received their card in XX/XX/XXXX. 

However, the Gold Delta SkyMiles Credit Card was delivered to me more than four months after I was approved for the card and I was not able to make any purchases on the card until I received it. 

Now American Express claims that I am not eligible to receive the XXXX bonus miles since I have not made the required purchases within the first 4 months of card membership. I explained to them that due to their inability to deliver the card to me on time I was not able to make any purchases on my account until XX/XX/XXXX and asked them to extend the period in which I can make the purchases to receive the miles advertised under their offer. American Express representatives I spoke to have not made any attempts to resolve the issue nor were they able to find a person who is able to resolve the issue and call me back. 

I understand that technical issues sometime prevent American Express from fulfilling the promises they make in their advertisements, however the fact that they are not able and/or not willing to correct their errors suggests that it is American Express ' intended practice to delay the issuance of credit cards in order to avoid fulfilling their advertised promises.
Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.
This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.
On XXXX/XXXX/16, I became aware of an egregious violation of my personal and financial privacy at the hands of JP Morgan Chase Bank. I was informed by an individual that was not myself or Chase Bank that my individual checking account was appearing on monthly statements for an individual that was not on that account. I am on a checking account and a savings account with my mother, and those accounts receive monthly statements at the mailing address that we share. 
These statements are addressed to XXXX us since we are XXXX on the accounts. 
However, the most recent statement also included my individual checking account which XXXX is not on as well as a summary of my individual credit card which XXXX is not on. Since the statements were addressed to both of us, this would imply that we are XXXX authorized to view the information on all of the accounts, but this is not accurate. This was troubling as my mother is not authorized to receive any financial information relating to the credit card account or the XXXX XXXX XXXX Account in my name. 

XXXX the aforementioned individual accounts were set up at a Chase branch. During the account set up, my mother was not present, nor was she ever brought up during the account creation process, so I had no reason to expect this egregious violation to occur. Further, the credit card was opened with my social security number, not her 's. None of the paperwork for either account featured her name or any indication she was on the account since she is not. 
My mother called me to inform me that she received the statements and saw my financial information, and that she had called in to Chase to inquire about them she originally believed them to be fraudulent since she did not recognize making them, and she was given information about the transactions including the name of the person who made the purchases. She is not on the account and should not have received any information about those transactions, yet she was provided with detailed information. Yet another egregious violation of my personal and financial privacy.
I called in to ask for an extension from Capital One Auto Finance on XX/XX/XXXX. I asked the representative to have my XX/XX/XXXX for the extension. She replied what month are you attempting to do the extension for. I replied " XXXX '', She replied " you are approved for the extension we will move your date from XX/XX/XXXX to XX/XX/XXXX ''. She further went to say that in order for me to keep my approval for this extension I had to pay my car note by XX/XX/XXXX. I told her that I was did not want my credit affected. 

I take my credit very serious and I have made all my payments for both accounts on time for the over a year. I immediately setup the electronic payment for XX/XX/XXXX. On the same day, I was assessed two {$25.00} fees on my account and a late payment appeared on all three of my credit reports XX/XX/XXXX. 

The representative never said that I could not get the extension for that month I requested. Upon calling the resolution department speaking with XXXX he informed me that my extension was for the month of XXXX not XXXX. He also stated calling XX/XX/XXXX was too late for the month of XXXX, which was not 30 days late. That made no sense to me as the customer because that was the month I originally inquired about. Im completely shocked by what I was seeing because it made no sense to me as the customer who made payment arrangement for an extension and I paid 4 days prior to the date to be marked late. I would like to keep a positive relationship with Capital One Auto Finance. My credit well-being is my livelihood and primary concern. I am planning on making purchases in the near future. I am very responsible with my credit and I take it very seriously. 

I mentioned several times on the phone call that I want to keep my account current. 
At no time was I redirected to any other department to ensure my credit reporting would be accurate. My current credit report is saying late +30 days for the month of XX/XX/XXXX, when in fact that payment was moved to the end of the loan as the paper states. I have never been late on any payments. 
I am requesting that you look into the situation and authorize the removal of the late payment. I thank you for your time. I can be reached by phone at XXXX.
I tried to disput info from my XXXX report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes XXXX minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another XXXX minutes. They repeat the first guy. I finally get XXXX supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call XXXX like XXXX guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from XXXX recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.
The XX/XX/2018 I received by US BANK an " Settlement Program Offer ''. 
If I pay {$280.00} the debt of {$1900.00} that I had with them, it is full paid. I received a discount offer of 85 % ( {$1600.00} ), as the letter says sent by US BANK. 
I pay {$280.00} as said the offer in the settlement. US Bank processed the payment and it was successfully. 
When review my credit report, I see that {$280.00} was taked as a payment to the balance and not as a settlement. 
I spoke with US Bank to solve the problem. They were negative and sent me to disputed the problem in the credit bureaus. 
I did the disputes in " XXXX XXXX XXXX ''. Attach the offer letter and the payment voucher, to support my version. 
US Bank responded to the disputes in a mode negative way, and I ratify my payment as a credit, and not as settlement payment. 

Please, help me. 

attached : Settlement Program Offer Autoritation debit by {$280.00}
I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Bonneville Collections continues to collect on an XXXX account that has been reported as fraud. Bonneville Collections continues to verify their account on my XXXX report. It needs to be removed from my XXXX report.
XXXX XXXX in XXXX KY, caused me injury and refused me medical care, there denial made me unable to work and they KNEW PRIOR to sending me in that job not my job to cover someone else XXXX XXXX plant mgr and XXXX  XXXX  HR and XXXX XXXX, mqe - was told by XXXX XXXX, tick infestation in Ext 3 ( prior to XXXX XXXX XXXX ran XXXX XXXX for 15 of my working years .. no ticks in buildings ) were told NONE reported to safety guy XXXX XXXX , they willing send me in, I get tick bit in XXXX .. had to file chapter XXXX. And then CHAPTER XXXX as the refusal cost me personally, XXXX a week ... w/c been {$800.00} w medical paid ... they refused I had to sue .. and evidence they didnt fill report out until XXXX ... and I have a w/c claim * how can I get the chap XXXX and bankruptcy chapter XXXX? As my health is destroyed why is my credit? I have proof I made $ XXXX a week .. they denied me, but knew I was bit. IS THERE A LAW -or way to make the chapter XXXX XXXX XXXX denial to pay me accurately .. as why is this held against me,?? 
I have proof, I ask for medical care 2 weeks after and denied ... 
I have a court case coming against them? 
Help me get my life, credit, it can show BUT NOT AGAINST ME.. XXXX XXXX XXXX SS XXXX XXXX XXXX - also I had identy theft and need the {$4900.00} stole out of XXXX XXXX XXXX FDIC IN XXXX KY XXXX ATT. and XXXX XXXX of XXXX XXXX allowed XXXX copy see XXXX suing XXXX I had 56 credit apps False applications Fake credit scores. * federal government help me right the wrongs * discrimination as my life is ruined, my health
Santander USA reported my Auto loan balance as having increased by {$160.00} between XX/XX/XXXX and XX/XX/XXXX which contributed to my score falling by 92 points. This could not have been possible as my payments for that period were all made on-time. Santander USA also  reported 1 missed payment which is not accurate.
They called ( XXXX AZ ) and told me they were calling on a recorded line. Asked for my DOB and SSN. I refused, asked them to explain who they are and why calling. Refused, gave company as " DELTA MANAGEMENT ASSOCIATES, INC. '' -- I asked for EIN/StateFileNumber, they refused. I asked them to validate, claimed they sent letter - never arrived. I see they are a debt collector, but never told me they are collecting debt. Simply refused to say anything but ask for my SSN/DOB. 

Collector Called From : XXXX
I have an XXXX XXXX XXXX Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself to do until I received a call today saying I owe XXXX or XXXX some dollars for missing payments and a late fee. I asked the rep why and they told me it is because I was late. The payment was applied to the last month. Hence, I needed to pay for last, this month, and the late fee. I explained that was not fair and I needed that month to pay other bills. Then, they removed one month payment and decided I needed to pay the late fee because technical I was late. I dont believe I should pay a late fee for being early and that late fees should be for those you are actually behind on their bill not ahead. No other credit card I have does this only this one. And they believe they are following the credit card act of 2010 because they are using the billing cycle that I am not falling into when they cash my check for my payment. That is what the account manager told me today.
Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
I have sent certified letters to Experian in reguards to the collections agencies XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, and XXXX. Theses certified letters were sent XXXX XXXX or XXXX sometime and Experian has failed to provide me with the requested validation of these debts. In my letter then I stated the following. - This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. - to date I have not recieved anything validating the debts and they have stated that they verified with the companies that the debts are mines but not one company has validated themselves either. I spoke to several different people with XXXX in particular who have confirmed with me that the ssn they have attached to their accounts do not belong to me yet they continue to update my credit report with Experian If information I have no paperwork on confirming the debt belongs to me. In speaking with representatives at Experian I have explained to them that XXXX already confirmed with me a social that is not mines. Yet the continue to damage my credit and hinder me from obtaining credit that I would otherwise be able to get without their negligent verifications. I have enclosed a screen shot of the accounts that have not been validated. I am requesting removal of all invalidated collections accounts or I will seek a civil lawsuit.
I was paying my loans monthly payments. I filed for bankruptcy on other debt that I owed which immdeiately placed my private student loan into default even though I did not include this loan in my bankruptcy, and I was still paying them. They sold my loan to a debt collector and never told me who they sold it to. Fast forward a year later- I am now receivign phone calls demanding I pay the full amount owed and they refuse to take any payments other than the full amount. They are also refusing to send me any documentation in the mail. My original loan was through AFG.
About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY
XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

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