WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. XXXX XXXX XXXX   should have fallen off I was not late and anything to do with student loans is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s. While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX  in XXXX NE . 

XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? 

I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. 

Is XXXX 's methodology reasonable and legal?
My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.
CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my  XXXX  credit report but now have appeared on my  XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!
I tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.
I 'm the victim of identity theft as a result some of the information on credit was fraudulent. I have requested these information to blocked, but the credit reporting agency failed to do so. 
XXXX CARD with the balance XXXX XXXX card with the balance XXXX
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.
hundreds of robocalls from ( XXXX ) XXXX / ( XXXX ) XXXX and other for the past 5 months with the prerecorded 39 seconds message - For your convenience, you can now visit us on the web at XXXX have your reference number available with you and logging in again, refer to reference number XXXX. And the number to call is XXXX. Thank you for your convenience. You can now visit us on the web at XXXX have your reference number available with you and logging in? 

most recent timestamps : XX/XX/2019:XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX ...
While checking my Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies listed below. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove these inquiries from my credit report immediately.
Santander is showing multiple entries on my credit report that I did not authorized. I do not have any financing or credit from this company and these inquires are erroneous. I have tried calling to speak with the finance manager, but I always get the voicemail. I did not authorize these inquires and they are fraudulent. PER FCRA section 609 these inquires must be removed. 

Inquiry date : SANTANDER CONSUMER USA XX/XX/2018
My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.
I have already reached out once to Experian & XXXX about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me.

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me.

they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. 

Under the FCRA, unverified, invalid accounts must be removed.
This is a Fraudulent Debt Account, XXXX Account # XXXX, with XXXX Phone Numbers on XXXX Phone. This Fraudulent Debt Account, XXXX Account # XXXX, Is Eight Years Old. First Delinquent Date Is XXXX XXXX, XXXX Fraudulent Debt Account XXXX Account # XXXX, Has Been Deleted From XXXX, XXXX, XXXX, As Fraudulent.
These people called me my brother my mom my boss all after repeatly calling me 3 x a day and I told them to stop! This is rediculous and these people should not be called! It 's CDR XXXX ext XXXX
XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
The company is Ocwen Loan Servicing, LLC and the current mortgage was in the name of my parents. The real property is a declared disaster home from XX/XX/XXXX flood. In light of the flood, I was court appointed Power of Attorney over my parents and their damaged property. Unfortunately, my father XXXX XXXX unexpectedly XX/XX/XXXX and my parents had been temporarily housed in a FEMA mobile home unit until repairs were completed ; my mother continues to occupy the mobile home. Ocwen was notified of my father 's XXXX almost immediately and was provided the original XXXX XXXX. I retained legal counsel due to the absence of a will and testament. My attorney began the proceedings for a Small Succession to support and ensure proper transfer of ownership surrounding the damaged property. My father was a XXXX  XXXX veteran from the XXXX branch and was XXXX XXXX XXXX in the XXXX XXXX reserved for our XXXX XXXX. There is a flood insurance claim which was filed and those funds have been forwarded to Ocwen but can not be liquidated for repairs because the name of the account was changed to reflect an estate of my XXXX  father. According to U.S. Federal Civil Law, the Affidavit of Small Succession dissolved such estate when my mother, as surviving spouse and myself, decedent 's only heir were duly sworn and deposed by an officer of the court. This affidavit has been filed and recorded as of XX/XX/XXXX. Ocwen continues to argue their company policy for Assumption is the only avenue to secure full ownership of the property. The affidavit clearly states entitlement to my mother as Usufruct and my entitlement as Naked Ownership in the jurisdiction of the state of Louisiana. The LA Code of Civil Procedure Article 3434 is outlined and defined within the affidavit for reason of any confusion to those whom may not be familiar with community property states and transfers of ownership. Ocwen was contacted officially with request of escalation on XX/XX/XXXX and supporting documentation was submitted XX/XX/XXXX. Ocwen denied my first request to change the name of the account and adhere to the federal affidavit. The request is now with an escalation resolution team who still does not have a resolve for my request and now we exceed 60 days. As I continue to reach out to Ocwen daily, I meet constant failure to adhere to the filed and recorded affidavit and am told repeatedly that the transfer of ownership can only be achieved through the Assumption process. Please note this account is current and is in no way associated with delinquency, foreclosure, or deed in lieu. I have been accountable and responsible for the payment history for the past 6 months which demonstrates a prudent and determined behavior to remain in good standing until the payoff of this mortgage loan. The delay from Ocwen to adhere to the Civil proceedings not only is unfair treatment but prolongs the repair and restoration of the disaster declared property. I am seeking assistance from the highest rank of Government for consumers whom continue to be railroad by mortgage companies like Ocwen.
I have been paying on my student loan ever since I was an XXXX. I then graduated and still confined to pay on my private loan. However, I have asked many times for a repayment plan lower then the one given, and also asked for a deferment, when the company was XXXX XXXX and also now as Navient. The loan on my case is not affordable for I have been communicated with them that I am going through a hardship, and also currently attending XXXX school. They still insist on calling and collecting their mineies when I have none to give or refuse to take off my co signer and help me with an affordable repayment plan.
I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime.
On XXXX XXXX, 2016, I walked into a PNC branch and applied for a check ready loan. I was instantly approved for {$50000.00} " check ready loan ''. I took the check to the Auto Dealer and I was told the check is not valid since I wanted to add my family member to the title. I returned to PNC branch. At the branch, the representative was instructed to destroy the check and I need to apply as a joint application. The Branch followed instructions provided by the underwriter. The application was entered and it was status as denied " Straw purchase '' I returned to the auto dealership and the agent there was able to provide me with a loan. I have excellent credit and worked very hard to maintain a high beacon score of over XXXX. The decline given at PNC was one unacceptable and secondly, tarnish my good credit. I consider this to be bad business practice and very disappointed as a consumer. I believe the PNC underwriter handle this situation with limited information and did not try to clarify or rectify any misunderstanding. Bad business practice affecting consumers in a negative way. 
PNC Application Reference Number : XXXX
I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.
My name is XXXX XXXX XXXX ; and I will try to summarize the unfortunate set of circumstances that caused me to default on my mortgage payments. I have always worked hard to keep my financial obligations in good standing but unfortunately due to a change in my financial circumstances and the simple fact I am a XXXX year old retired female, I have fallen behind on my mortgage payments. The husband, XXXX XXXX, is XXXX years old and doing odd plumbing jobs here and there to help keep the family and monthly bills afloat. For months we have lived out of our reserves so we would n't default on our payments, but eventually, our savings have depleted and as a result of the circumstances, we got to the point where I was unable to comply with my financial obligations. Furthermore, as of next month our monthly payment will go from {$1200.00} to {$1700.00} due to the fact we had an INTEREST ONLY LOAN. At this point of our lives we just want to stabilize a fixed rate on our monthly payments so we can plan our last retired years accordingly. 
I inquired about financial assistance with the lender, Seterus and submitted all my financial information to them. I was just advised that due to the fact I was only XXXX month behind on my mortgage payment I will not be able to retain any workout assistance. I 'm not quite sure exactly how this works but I find it a bit disturbing that if I need assistance yet I ; m doing everything possible to not fall so behind on my mortgage payments I do not qualify for assistance. Does any other information not be taken into consideration? My age? The terms of my loan, like the fact that I am retired and paying on an INTEREST ONLY loan? Yet we have XXXX something years old whom are XXXX healthy and able to work yet have n't paid their home in over 6 years, those we help and modify. With a lower fixed interest rate I believe that me and my husband can plan accordingly and make our payment happen. Along with this letter I am submitting all of our financial information to show proof of the income in our household. Furthermore, I would really hate to lose the opportunity to be eligible for this great program in which I believe I am a perfect candidate for since I am right around the margin of XXXX % debt to income ration to qualify for this outstanding program. 

Seterus has not been the easiest to work with and I feel like the lender is not doing all they can do to help me find a better resolution to my current situation. All I want is to be able to keep our HOME ; I would really appreciate if you can help me to get my file properly reviewed so my loan could be modified to a level that is affordable for me now and sustainable over the long term. I thank you in advance for your kind consideration of my situation. I hope you will be able to assist me in my goal of retaining my home and help me find someone who will take my file seriously. I know that Lenders with the reinforcement of the government can help people like me find a solution and be able to stay and keep their homes. A house is the largest investment that a person can have and it also represents his/her stability.
Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX.
I have consistently received low credit reviews from Transunion. In trying to find out why, I ordered a review of their file which they've been building since I became a widow. 
There are several listed which I've never used, some which I closed because I moved from the West Coast to Ark., and the stores don't exist here, so I stopped using them. There are then a few which I do not recognize and do not believe I have ever used. 

I changed my basic banking/brokerage system last year from XXXX XXXX XXXX to XXXX XXXX. There is no indication that this report is even aware of it. Since using XXXX, my reports are much better. The use of XXXX XXXX XXXX XXXX should have been deleted or at least updated, since that is not only my bank but also my brokerage account. I was able to simply move money from the brokerage side to the banking side any time I needed to. This report does not even indicate the fact that my monthly balance included the totals of my brokerage account along with my bank balance. Therefore, your report seems to indicate I have an incredibly high total of expenditures when the balance is made up of both sides : banking and brokerage. 
I hope this can be corrected to reflect these changes, as I believe it will show my only sin, in your eyes, is to be late on paying several accounts. I have committed that sin under the belief that the longer my money stays in my bank I am earning interest on it. I have never once in my XXXX years of doing business as an adult failed to pay for anything which I have bought. I use a different system, as I said, in order to keep my cash in my bank as long as possible before moving it into the " cash '' side, at which point my bills are paid.
I am confused about a complaint, I filed with CFPB in XX/XX/XXXX. This complaint was never resolved, no correcting respond from CitiMortgage, Inc. and no follow-up from CFPB, although there was several violations by this mortgage company, when they continued with a foreclosure that simply violated all CFPB protection ruling in XX/XX/XXXX. I contacted the right authorities, but I did not receive a follow-up on the situation, no kind of investigations into the matter, as to what was done to correct it, I am baffled, because in your release in XX/XX/XXXX, the rules were clearly stated and released to mortgage servicers, but they still continued with their foreclosure practices. Those practices is mistreatment to struggling borrowers. I have not heard from CitiMortgage since XX/XX/XXXX my last response from someone associated with CitiMortgage, under your ruling my foreclosure should have been halted on several reasons. I am also requesting my mortgage file documents from XXXX, XXXX,XXXX,XXXX and XXXX. But, the foreclosure attorney for CitiMortgage continues to harass and send threating letters to vacate notices and now CitiMortgage is trying to sue me, to have me ejected. CitiMortgage, Inc. has violated all CFPB rules. I am currently in Bankruptcy. CitiMortgage canceled the homeowner 's insurance without any notification. This is so unfair to any homeowner. When will I be able to get some reimbursement funds from CitiMortgage, from the XXXX XXXX dollars, that was fined by CFPB?
A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX