WillisBack/dataset-financial-user-claim huggingface dataset:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I  finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and XXXX XXXX XXXX  were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's  for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on  XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years
On XXXX XXXX, 2015, XXXX from XXXX contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. XXXX had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of XXXX was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by XX/XX/XXXX. But we never received any paperwork for a modification. We have requested a refund from XXXX, which was addressed to client relations. We were told in XX/XX/XXXX that we would get a refund within 45 to 60 days and we still have not received our refund of {$2700.00}. Subsequently, a second request has been sent to client relations, but no response. I am attaching the second request and the XXXX ruling. Thank you for your assistance in this matter. We had our VA representative to contact Freedom and he was informed that they had received a cease and desist from XXXX but nothing else.
Twice in the past 6 months I have written a check to my mortgage company for a PRINCIPAL ONLY payment. My regular monthly payments are auto debited each month from my bank account. I have indicated this on both of the checks that the payment is for principal only. In both instances Ditech chose to apply the money toward future months ' interest without my permission. My intent was to pay down the principal balance and they continually apply it to interest, and some cases escrow, on their behalf.
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.
Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at XXXX XXXX, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for XXXX XXXX, was collection, American Credit Financial XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

XXXX XXXX does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to XXXX XXXX for Pay Day Loan. 

I request assistance in resolving this matter.
Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.
Sent multiple certified letters to Transunion about unauthorized inquiries to be remov ed and I got two letters the same day, one said they do n't have those records in my file and the other contained 500 pages of mixed credit reports, mine and a bunch of other people ... VERY ALARMING. I called them and they said they have more than one report on me and try to explain it as Senior vs Junior ( I do n't go by either ) apartment number was being reported on me when I 've lived in the same house for fifteen years. They supervisor said he notice some mixing up and need to send it to some other dept but I never heard back. My credit score from Transunion is significantly lower than the other reporting agencies. This company needs to get its act together because its messing with financial status.
AMEX is not issuing cash back since XXXX 2016. I have spent over {$14000.00} since. 
I called numerous times without success. Last call was made XXXX/XXXX/2016 and I talked to XXXX supervisors and XXXX reps and still nothing it 's been done. XXXX, Sue # XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX # XXXX and XXXX XXXX. I have called numerous times since XX/XX/XXXX explaining that they OWE me money. Each time they open up a case. Each time I talked to someone, no one knows what happens and no one ever leaves notes because I always ask to read the notes and overtime their response is : " I do not see any note '' So I have to start over and over explaining that they are not issuing my CASH BACK. And no one seems to care.
We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list.
I applied for the Barclaycard Upromise for the " {$100.00} Bonus After First Use '' and to get a free XXXX score and to have a XXXX. They then sent me a letter ( WEIRDLY, IT WAS A COPY OF A LETTER, NOT AN ORIGINAL LETTER which XXXX always gets from Legitimate companies ) - and I was then asked for an " original bill ''. I sent them an older electric bill, because I do n't get original bills anymore ; it 's all online. But here is my problem : I never heard from them again. This is the second time I have ever had this happen in my life : Barclays and XXXX. 
Is it normal or reasonable, or legal, for a company to collect all of your personal data, and even an original bill and you never hear from them again?? 
1. If I am turned down - despite XXXX debtedness, and no negatives on my XXXX report, then I want a reason, but mainly I want a free copy of the Credit Report from the agency they used. ( Based on research, I think it is XXXX, but I do n't know for sure. ) It feels like a scam. I also suddenly got many XXXX and Phishing Scam emails in my normally pristine Mailbox ; I NEVER get junk, much less XXXX, at that email address anymore. )
Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial
My wife XXXX XXXX a senior citizen who is XXXX ) received a letter in the mail stating she was pre-approved { emphasis added } for loan of up to {$15000.00}. XXXX was in the hospital since XX/XX/2018, and was XXXX about 4 days later to a rehab facility, where she is currently. With XXXX 's permission, I went on-line to accept the loan offer, and requested a loan in the amount of {$12000.00} or {$12000.00}. Without the website giving me any interest rate ( as advertised ) it simply stated she was denied the loan. 

I contacted Upgrade on or about XX/XX/2018 expressing my dissatisfaction with their advertising practices. If one needed to " qualify '' for the loan, the the letter should state " pre-qaulified '' or " pre-selected '', vice " pre approved '', which I have also indicated to this " company ''. 

This company should have to refund consumers like my XXXX senior citizen wife no less the 10 % of the maximum purported " pre-approved '' loan amount ( in this case, no less than {$1500.00} ), due to what appears to be " false advertising '' for the sole purpose of obtaining peoples personal information ( such as SSN, and/or verifying mailing addresses etc. ). Conversely, the government ( US DOJ ) should file an action ( clas action ) against this company and/or others like it, for the damages it causes to undoubtedly thousands of consumers ( including the XXXX and senior citizens ) presumably on a monthly basis.
GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.
XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled ... I want it removed. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.
Since  XXXX    XXXX   I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But  GO FINANCIAL  is reporting debt on my credit reports making it hard for me to make big purchases.
CREDIT COLL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes
I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

KOHLSXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
There a few companies involved in this issue. I've never felt so frustrated in my life with any company and I truly mean it. My friends and I decided we wanted to go to XXXX for a mini vacation. My friend found a good deal on XXXX. I was booking for my friend and I and the flight we chose was XXXX, unfortunately. When I went to finalize my trip, it did not go through because I supposedly did not have enough funds in my account. I couldn't understand why. I did have enough money on my account. I then check my BOA account and realize XXXX and XXXX were holding funds before I was able to even book, hence why it said I didn't have enough money. At this point I have tried to book about 5 times over the past 2 weeks and it has failed. That was the first issue. After countless hours on the phone trying to resolved this issue on the phone, which they couldn't help with because I didn't have a confirmation number or ticket number. I decided to give up on booking. As of XX/XX/2018, XXXX is STILL holding {$390.00}. They are holding funds for something that I don't have. I never booked, I don't have any record from their end, all I have is BOA holding funds from a merchant who is XXXX. I've called and even have cried on the phone because I'm so frustrated. This whole process seems super illegal to hold someone's funds without authorization. I have XXXX yr old daughter who needs groceries and I need to pay my bills and they have not been helpful AT ALL. NOT Bank of America, NOT XXXX and specially not XXXX. I feel so helpless and upset that no one cares. XXXX does not want to release my money and says that waiting is part of the process that is totally unacceptable. BOA is not willing to help either even though they are my bank and know the situation. No ones has gone over and beyond to help me. XXXX also has a " sketchy '' partnership with another agency because XXXX mentioned they tried calling and the automated system wasn't even English, it was a foreign company. PLEASE HELP ME! Obviously money is these companies only concern not their clients. Please help me teach them a lesson.
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.
YOUR COMPLAINT This complaint concerns  Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00}  XXXX  loan with 10.5 % interest since graduating from  XXXX  University in  XXXX . I now owe {$4000.00} on that loan. I was laid off in  XXXX  of  XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las  t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s (  free ) attorney.   On  XXXX   XXXX ,  XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer.  Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase.   The calls have gotten worse since  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent an email to my attorney and reported the following : Employee ID  XXXX  calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am  XXXX   XXXX   XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ).   Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay   Navient.
I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa  ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest.
XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.