WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is a fraud. Every time they delete something from my credit report it comes back on after they say they have deleted the item. Prime Example : 1.   XXXX   XXXX   XXXX   XXXX   Was removed on several occasions. I 've included all screen shots. I have a case with them that recently closed on   XXXX   file #  XXXX . On that credit report, it states that this account is currently not reporting on my credit file, however, I 've included a screenshot with today 's date of   XXXX   of my Equifax credit report and I 've also included that screenshot as well. There 's an Illinois Law that protects consumers from the credit reporting agency that protects the misuse of the consumers ' credit file.
To Equifax, On   XXXX   I discovered   XXXX   XXXX   XXXX   XXXX   had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
CFPB I plan to file a lawsuit against the creditor for re-inserting the item under the Fair Reporting Credit Act ( FRCA ). It seems like once I contact you guys about this company and they 're wrongful practice they remove the item and reinsert it connivingly.
XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. In XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when XXXX XXXX  obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits XXXX XXXX from such practices.
I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.
XXXX XXXX never billed NC Medicaid for XXXX services, sent it to collections. I sent my insurance information to collection company twice. Collection company still has n't billed NC Medicaid.
All conversations between myself or my husband with Roach and Murtha PC, were recorded by Roach and Murtha PC. 

Between XX/XX/XXXX and XX/XX/XXXX, my husband and I received several phone calls from a representative named XXXX XXXX who worked for a Debt Collection Attorneys Office called Roach and Murtha, P.C. ( He was NOT an attorney-basically a receptionist used to scare and threaten people ) XXXX XXXX called us many times threatening a law suit, lean on our home, garnished wages and also threatened to contact my husbands place of work over a debt that had nothing to do with his job. When we asked him to send over paperwork of this debt, he threatened to not send it directly to us, but to my husbands job Also, when we asked for proof of this debt we were told we were thieves and stole from out homeowners insurance company. ( very unprofessional behavior ) He nor anybody from this law office provided us with any written information about this debt. 

We then found out that XXXX contacted my husbands brother who # 1. doesn't live with us or in the state for that matter, and # 2. was not ever on any homeowners policy with my husband or myself. When asked why he contacted my husband brother he had no response. 

XXXX continuously told us we needed to pay him exorbitant amount of money or we would be sued. These phone calls were never resolved because we simply wanted more concrete information about the debt, and XXXX refused to to provide us with anything. 

The third time that XXXX called/harassed us about this debt, I asked to please talk to his boss because I was tired of XXXX 's rude and unprofessional behavior. He continuously would yell at me and demand money. When I asked to speak to his superior, he told me his boss 's name was Mr.Murtha.

I was never transferred to Mr.Murtha, but i was in fact transferred to a few other people who were all equally as rude and just demanded money from us. Their names were XXXX XXXX and some other guy named XXXX ( who hung up on me when i asked for some kind of proof of this debt ) After researching the Professional Profiles of Roach and Murtha PC, I found out that the last guy named XXXX was infact Mr. Murtha ( he never introduced himself to me as an attorney or that he was Mr. Murtha, just that his name was XXXX ) XXXX cause our family grief, anguish and stress. 

This attorneys office, Mr. Murtha and specifically XXXX XXXX go against all rules of the Fair Debt Collection Practices Act ( FDCPA ). They threatened our family and harassed us to no end. They violated many of the Basic FDCPA violations. 

I really hope this individual ( XXXX XXXX ) as well as the entire law office is investigated. Just because someone owes money, doest mean they deserved to be harassed daily and threatened.
Fifth 3RD Bank is reporting an derogatory or adverse credit item to all of the credit reporting agencies ( XXXX, XXXX, and XXXX ). This credit item was listed and discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. See attached filing.
I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018.
My wife and I booked a vacation to XXXX using points on our Chase XXXX XXXX rewards card. During the flight selection we were limited on their rewards site to using a carrier that had filed bankruptcy for our preferred vacation location. We expressed concern to chase and we were assured the carrier ( XXXX XXXX ) would still operate as normal. The night before ( XX/XX/XXXX ) we were due to fly back home to XXXX XXXX, we recieved messages stating our flight XXXX # XXXX ) was cancelled due to the bankruptcy. We spent {$1700.00} above what we had already spent to find a timely flight back. I spoke to Chase Customer Service and they pretty much informed me I 'm out of luck and I just have to pay. XXXX is still knowingly using airline carriers that are in bankruptcy to fulfill rewards, they should be held liable for this. I would have never booked a flight with a bankrupt air line otherwise, not to mention I was lied to when I was assured it was a stable situation.
Unaware of the agreement I entered with this company finally realized my line of credit is scheduled to end by  XXXX   2018 . I received a letter from the company advising my options. I applied for a modification and was sent a letter in  XXXX  that I was not interested in any options. This was not true and was advised by a HUD certified counselor to send a letter explaining this to them. I was told by one of there reps to resend the financial packet and this was done on  XXXX   XXXX  via fax. I recieved a call by a rep from there office very nasty and threating that I was going to be foreclosed on if I do not send in the money and they did not receive any documents from my  counselor.   I have proof of this in my file. My health has taken a toll from all this. I am  XXXX  yrs old and I do not know what to do at this point.
Ive noticed activities of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} opened on XX/XX/2016 which was not me.
ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.
The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.
On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.
I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.
On XXXX XXXX I disputed with XXXX about a company called XXXX XXXX. Theyre still trying to put a collection on my report. 

Ive found out today that the creditor was XXXX. Ive called XXXX XXXX and they told me they have no knowledge of this report and that they also have no knowledge of my account. I havent been a customer to XXXX in over 2 years because of one of their employees using my social security number. This was on the file of my credit report. I canceled services with them immediately and was told all I had to do was pay the last balance which I did in XXXX of XXXX. 

Since then now Im having to deal with a collection agency for a bill that is not mine and do not owe and with fraud with XXXX Im absolutely reluctant and with them not even being able to tell me anything makes me even more hesitant other than the fact that they have no files or anything about me in their system since I last had services with them. My advice is dont ever use XXXX again.
Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXX which is 12 years later these companies Mr. Cooper/XXXX XXXX are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for two wars to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right
I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.
I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?
I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.
My loan with Navient was temporarily lowered for six months after Navient reported it on my credit report and my mom credit report. The six months have expired but now I am in school and Navient is unwilling to delay the payments until I complete my degree.I Ishould be finished in approximately two years but they explained I only have 1 month available to use for deferment I started back to school this Fall. I alstro have a toddler, mortgage and car payments along with other miscellaneous bills to pay including my current school payment to attend XXXX.
In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''
I settled an old charged off account that had already been issued a XXXX for, by paying via electronic check {$2700.00} on XXXX/XXXX/16. I was told this account would be settled in full and would be updated with the credit bureau as a {$0.00} balance. It was updated with the credit bureaus as a {$1500.00} balance. This is not what I agreed to, it should reflect a {$0.00} balance as promised. Please help.
I went to the TD bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were " technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and " may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with TD bank and they are robbing their customers
Since my loans were taken over by Navient it 's been a never ending series of " we do n't know how that happened ''. Primarily, the problem is my payments have never been applied as I 've asked - to the principle. I always pay more than the minimum, and they keep applying the additional to interest. The result is I actually owe them {$3000.00} more now than when I started with them. Their website and phone line are impossible to understand, and no one can ever explain anything. I have literally received 3-5 differing statements, looked on the website and found a different amount, and called and been told a totally different amount all in the span of a few days. They 're rigged to keep you confused, generating late fees ( that they do n't apply your payment to either ), and in debt, forever. I am trying to do the right thing and pay, but I am sinking because of their practices!
XXXX, XXXX I have sent letters to update my address which was wrong on reports no changed made by them.
Experian and XXXX is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. P.o.box is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning XXXX the IRS and check the books on all adults ssi paperwork and income and you'll see.
On XXXX XXXX, 2016, I purchased airline tickets from XXXX XXXX on my American Express card for travel on XXXX XXXX, 2016. The amount of the purchase was {$220.00}. I arrived at the airline counter in more than enough time to check my bags and board the plane. The counter agent refused to take my bags and would subsequently prevented us from boarding the plane. I submitted a dispute to American Express regarding the charge. They have refused to charge back the amount paid for this airfare.