WillisBack/dataset-financial-user-claim huggingface dataset:
Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX
I have been disputing a Chapter XXXX Bankruptcy with Equifax since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Equifax and never would. Exquifax 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifax 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
We filed bankruptcy almost two years ago but reaffirmed our debt with Wells Fargo. We have not been late on one payment yet they refuse to report these good payments to the credit bureaus. I am trying to rebuild my credit and would like to see all of these payments back dated on my credit report or at least start reporting again. I have called them twice but I get the run around.
OCWEN Loan servicing on behalf of XXXX XXXX, engages in unethical business practices and predatory lending by offering loan modifications in lieu of foreclosure, that take complete advantage of the consumer. 

In XX/XX/XXXX, I was offered a modification ( Shared Appreciation to lower my principle balance ) that was acceptable to both me & Ocwen/XXXX XXXX when my Father died, and I became behind on the payments. I reinstated this loan as soon as I was working, and Ocwen/XXXX XXXX RECINDED the Shared appreciation reduction in the form of a {$50000.00} a balloon payment, AFTER having me declare it as income because the loan was current!! 
Still, I paid faithfully until XX/XX/XXXX when I lost my job. Since then, I have been working part time, and have " successfully qualified for a modification to have my loan remain current ; '' IF I make three " trial payments '' successfully. 

OCWEN/WF provided a trial monthly payment that was barely feasible, and I was to pay it on time for 3 months with NO INFORMATION ON THE " AGREEMENT '' I WAS PAYING TOWARDS! 

I successfully made the 3 trial payments ( XX/XX/XXXX-XX/XX/XXXX ) and was FINALLY sent the modification loan documents that had been previously withheld -- I REFUSE TO SIGN THIS AGREEMENT! IF I sign these papers, I will now have a new 30 year loan, AND a {$110000.00} balloon payment!!! 

When I inquired as to the loan balance on my current loan, they refused to give it to me, until a property inspection could be done!! 

OCWEN/XXXX XXXX makes it VERY clear in these new loan " modification documents '' that they do NOT have to make any such offer & will pursue foreclosure if I do not agree to the terms, unless I can reinstate the current loan ( that they refuse to tell me what I owe on )!!!! 

OCWEN/XXXX XXXX also added TENS OF THOUSANDS OF DOLLARS IN FEES to the loan balance! 

This is PREDATORY LENDING!!!! They have me in a very bad position with no choice other than to agree to these PREDATORY LENDING TERMS!! 

I would like someone to review this on my behalf -- XXXX XXXX has been shown to have unethical business practices in banking, and OCWEN is involved in a class action suit regarding their collection practices. 

I have absolutely no doubt the terms as they have been withheld & then presented ONLY AFTER I made 3 payments, violates a number of rules.
On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.
I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.
I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.
Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.
I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.
On XX/XX/XXXX I sent a letter to third party collection agency Perfection Collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ( XXXX ) asking them to cease collection activity and to remove records from my credit report regarding account # XXXX  ( c/o XXXX  of which they purchased XX/XX/XXXX. ) I asked them to provide me evidence of my account and if they could not to delete all information furnished to any and every one of my reports because it is unverified information. Said company responded to my request by sending me a contract that list my name a customer ( co-borrower? ) but in fact does not have my signature on any of the spaces provided for customer signature, in fact the only person whose signature is recorded on the contract ( on two separate signature lines ) is XXXX XXXX  ( customer ) and the sales person ( XXXX XXXX. ) I feel this is not verification that I entered into a contract neither with XXXX  or Perfection Collection and because this is unverified by law they are required to remove this information from my credit report they have yet to do that, in fact they have added another collection to my reports (XX/XX/XXXX ) from the same company ( XXXX  ) for a larger amount.
For at least the last 2 years I have been getting double billed to 2 different credit cards for credit monitoring.

The accounts are associated to 1 social security number and Experian has seen fit to bill both cards the monthly membership fee.

For the past 2 years I have been billed {$26.00} to 2 different credit cards.

I would assume that credit reporting agencies would flag multiple accounts associated with a single SS number as possible Identity theft. This feels like a failure on both sides of this arrangement.

Mine for not catching this sooner and the agency for not having enough monitoring of their accounts to notice multiple accounts associated with a single SS number.
Wells Fargo Bank is still trying to collected debt that pass the statute of limitation. Wells Fargo is putting false information on my credit report. I am requesting Fargo for name of the person who claim to open account face to face? I feel like Wells Fargo is being discriminated against me because I am XXXX XXXX.
My transunion credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX had dropped XXXX to XXXX on XX/XX/18
On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.
4 years ago I had the XXXX XXXX account removed from my credit report. Somehow it keeps popping back up on my Transunion. I have tried numerous times getting the item taken back off but Transunion will not help me with this issue, or at least the person who was handling my case. I am a XXXX XXXX veteran and can't get the XXXX approval for modification of my home until this item is removed again.
Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.
I am a XXXX veteran and was attending college at XXXX University when I applied for veteran 's benefits with the Veterans Benefits Administration ( VBA ). I was determined to be eligible for veteran 's benefits. VBA concurred with my new career choice and training to achieve my employment goal. Therefore, VBA assumed financial responsibility for supporting my college training to include conducting a retroactive induction into training which covered financial responsibility for college training I had already completed in relation to my " XXXX appropriate '' career goal. VBA paid XXXX University for my training pertaining to my XXXX of XXXX. XXXX then returned these funds directly to the Department of Education and my student loan balances were cleared from my Federal Loans. Navient then placed these loans back onto my account. Despite ample evidence that these monies have already been paid, Navient continues to insist that since the funds did not pass through their hands, to clear my loan debt I must again pay these loan amounts to them.
I have been attempting to get a loan modification. When I last submitted the modification package in XX/XX/XXXX and XX/XX/XXXX the representative told me that I needed additional income. So I found a part time job that I started XX/XX/XXXX. In the process of doing that I received a letter stating that a sheriff sale was scheduled for XXXX/XXXX/XXXX XX/XX/XXXX. After calling a countless number of times and none of my phone calls being returned, I was able to reach my account manager on XXXX/XXXX/XXXX. We discussed the sheriff sale date, the option of a short sale as well. I informed her that I had a part time job and was there still an option to do a loan modification. She said yes and once she had a completed package that would stop the sheriff sale. I sent a completed package in on XXXX/XXXX/XXXX. A few days later I received a letter stating that the modification was denied because it was not received 37 days earlier. And the funny thing, is that as many times as I have applied for a loan modification, I never received a letter stating why I was denied. I would find out that I was denied by the constance calling I was doing to check the status of the loan modification. I have been calling my account manager every day, sometimes 3 times a day and none of my calls have been returned. Finally on XXXX/XXXX/XXXX I called and asked to speak to a supervisor. I spoke to XXXX explained my situation and he said he would see what he could do and call me back in one hour. Needless to say no one has called and today is XXXX/XXXX/XXXX. I 'm frustrated and do n't know what else to do. I want to keep my home but how am I going to do that when no one from the mortgage company will contact me back. This is an ongoing issue with this mortgage company, which causes so much frustration. Due to non response from the mortgage company I filed a request to reopen my case. It was granted and I have to appear in court XXXX/XXXX/XXXX.
Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.
On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please. 
Thank you so very much.
I do not have a signed contract or any contract Enhanced Recovery company.I have never done business with this company.I am not liable for collection of this debt from XXXX.I am not responsible for this debt with Enhanced Recovery company.
Per optimum outcomes letter dated XX/XX/XXXX they stated, You have not made the requested payment. We thus will continue our collection efforts. I am exhausted with communicating with optimum outcomes and credit bureaus to have these items deleted off my record and credit report as these were covered by XXXX. I called Optimum Outcome numerous times from XXXX to present time explaining that balance from XX/XX/XXXX of {$27.00}, XX/XX/XXXX of {$52.00} and XX/XX/XXXX of {$55.00} totaling {$130.00} were covered by XXXX. I have also called original provider XXXX XXXX XXXX, credit bureaus XXXX, XXXX and XXXX to state that these dates of service were covered as well. Please be sensitive to the fact that on XX/XX/XXXX XXXX I went into XXXX XXXX XXXX. ; I was put into an XXXX XXXX primarily due to a procedure called XXXX. The procedure performed caused my XXXX XXXX to XXXX due to XXXX XXXX in my XXXX. My XXXX lasted from XX/XX/XXXX to XX/XX/XXXX ; hospitalizing me until XX/XX/XXXX. After hospitalization, I spent my recovery at home and felt well enough to start looking over my financials sometime in XXXX.
Received a call from one of their representatives in XX/XX/2018, telling me about student loan refinance and pay off at a lower and more manageable payment. Put me on a payment plan, while mentioning that it would be for my student loans. After a few months, payment of more than 5k to Optima Advocates, they said they were finalizing a settlement action with Student loan servicer and would take a few months to settle. 
Called and emailed in XX/XX/XXXX to get an update, said it was in the process and would email/mail me information sent to my Credit Bureaus and loan servicer, it is XX/XX/XXXX and still have not received information. Called and emailed again XX/XX/XXXX and XX/XX/XXXX, said that the case manager is on leave for medical issues and she is the only one who has access to my file. Called them XX/XX/2018, spoke with quality control manager and told me they are putting my file together to get an accurate information to send to me. They will follow up again on Monday. They have said this multiple times with no updates