WillisBack/dataset-financial-user-claim huggingface dataset:
I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX
Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX. 
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account. 

After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt. 

I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}. 

I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ). 

Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.
I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
Equifax - States they verified as good, not deleted. 
XXXX - States they verified as good, not deleted. 

I am requesting that both XXXX and Equifax delete this fraudulent debt collection from my credit profile for the following reason ; Both Equifax and XXXX did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for XXXX and Equifax to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and Equifax Report XX/XX/2018 XXXX XXXX XXXX XXXX ( part ) # XXXX
I never received the notice of right to dispute, instead I received a letter with a court date attached. I called once I received the information regarding my court date in order to settle the debt. When I called, I was greeted by a rude individual by the name XXXX ( XXXX ), she refused to let me ask my questions, told me she was n't going back and forth then hung up on me. I called back and received the same treatment from her. I asked to speak to her supervisor and was told she was one and that there was no one above her. I again tried to get information regarding my debt from her however it turned rude again and she again would not allow me to ask my questions. I admit at this time I had enough of her attitude and did start to get snippy however I just wanted to know how to get backup regarding the debt owed so I could pay the bill. She again hung up. I called back a third time, she answered, heard my voice and hung up. I called back a 4th time, each time hoping I would get someone else, and this time she picked up the phone and hung up immediately. I called back a 5th time, yes a 5th time, and this time spent 53 minutes in a continuous loop before the evening message finally took over. 

I called back the following day and spoke to XXXX, who promptly told me that my medical records are there and I would receive a copy. That would be a HIPAA violation which I will file a complaint on next. She too said she does not have a supervisor however I finally got the name XXXX out of her. I have not pursued this person yet. I have since spoken to the original creditor who was helped me on this matter and the debt will be paid though them. I do plan on following up at the court date as I do n't trust this collection company at all. I wanted to validate the debt and could n't even get a voice in to do so.
This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. 
Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. 
Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.
Navient has circumvented contacting me directly by telling sensitive erroneous information to my friends by calling them unsolicited. Navient often calls and acts as a debt collector even when my loans are not in default and are not even 30 days past due. Navient also calls my cell phone during work hours at least XXXX times per day. Phone records should provide this.
COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX  EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Bank of America closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out bank of america deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Bank of America for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a " Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Bank of America. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad bank of america customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.
XXXX XXXX Credit Card Comenity Bank I had a credit card with XXXX XXXX and I found myself in a financial situation where i could not make my monthly payments. I contacted Comenity Bank XX/XX/XXXX to be set up on the Hardship Program. Customer Service Rep. XXXX ' stated for the next 6 months my payments would be {$20.00} automatically debited from my checking account. I agreed and for 3 months all was fine. XX/XX/XXXX I received a letter stating my account has been closed for non payment. XXXX I called the number provided and explained the situation. XXXX transferred my to XXXX who is the Supervisor of Consistency Corner who stated the file would be resolved in 14 days. XX/XX/XXXX - Called & spoke to XXXX XXXX and explained my situation. She transferred me to the Supervisor on Duty, XXXX. He stated no one is answering in " that department ''. He said he would follow up and call me within 48 hrs -- no call. XX/XX/XXXX - Call the XXXX customer service line and was transferred to the Hardship Dept. where i spoke to XXXX. She looked over all of the notes to my account and said that a Supervisor would have to look at my file to correct the charge off. I asked what time frame and she said 4-6 weeks since her supervisor is the only one who can correct it. XXXX-called the XXXX # and was transferred to XXXX. She stated my account is still charged off and the supervisor hasnt had a chance to review it. I asked to speak to the supervisor and she said that she was busy. I asked when this would be corrected and she couldnt give me a time. I asked if i should call back XX/XX/XXXX and she said i could try. XX/XX/XXXX - called the XXXX # and spoke to XXXX XXXX Explained the  situation and she said she would transfer me to the Hardship Dept. She came back on the line and stated that department is saying its not their file anymore. She then said she would transfer me to another dept and was disconnected. Called back and spoke to XXXX who said she would transfer me to the Debt Collections dpt. Spoke to XXXX who told me it was up to me to make payments. i stated I had not received a statement since XX/XX/XXXX and she said well then i should have called. I stated i have and asked if she read my file and she said that they have done all they need to do and that it is up to the Consumer to pay their debts. I told her i no longer wanted to speak to her and asked for a supervisor. I then got transferred to XXXX in Collections and he told me my account was credited back on XX/XX/XXXX and that it is frozen for non-payment. I told him i have gotten the run around and have no statements. He tried to get a statement for me but said it was another dept. I asked if the account was still in " charge off '' status and he said no, its frozen and when the balance is paid off then i could apply to reopen it. I ytold him i would call the department to get a current statement and will go from there. Im frustrated because this account should have never been charged off, no frozen and credited for amounts i have no idea exist.
Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!
On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.
I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order
On XX/XX/XXXX, I saw virtual currency removed from my Coinbase account. Concerned that I was hacked, I called Coinbase support team. Coinbase team explained that my bank reported insufficient funds, and that I was credited with excess virtual currency as a result. Hence, there was no hacking involved, and that money was removed by Coinbase to account for my checking bank account 's insufficient funds. However, per support team, since I called to inform that I was " hacked '', even if they agreed that I was not, they closed my account and will let their " specialist '' contact me to have it opened again and that " it is not under their hands ''. I have called the support team again multiple times, and was told repeatedly " they can not do anything '' and " wait for the specialist to call you ''. No one has reached out to me since they closed my account, and they refused to open my account for me to gain access to my own money. I am held hostage for being concerned that I was hacked, and up to this point, have no access to my own money because of their refusal to expedite the process claiming " it is out of their hands ''. I do not know what else to do as I have repeated called and emailed them to no avail. They are not giving me access for 20 days now and counting. Please help me get my access and my own money back.
One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion credit report.
In XXXX 2016, I received a letter from Bank of America stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried " their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.
Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.
I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and TransUnion have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( XXXX. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both TransUnion and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/XXXX. On XX/XX/XXXX, I received a credit card offer from Citi for a XXXX XXXX XXXX XXXX XXXXXXXX Credit Card. the Invitation number is XXXX. I spent an hour looking for ways to contact Citi, but I could not find any phone number to call. I have followed the permanent Opt-Out process and it appear that Citi is not using the data from XXXX or the XXXX XXXX XXXX to limit its unsolicited offers of credit, so I felt it is important to do a  formal complaint.