WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received a letter from JH Portfolio Debt Equities , LLC ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX standard found in XXXX v. XXXX, XXXX which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
I filed a complaint twice already stating I never filed a BK that is showing a dismissed BK that is showing on my credit report. This has cost me a government hiring. They told me they verified it and it is correct. I called the XXXX Bankruptcy Court and spoke with the clerk in the office. She stated to me we do n't verify any info over the phone or thru mail. If Equifax does n't remove this then I plan on filing a lawsuit against them and sue for damages. I have been extremely nice to them with my letters and stating the facts. I want this damaging information on my credit report removed. 

XXXX XXXX
Bank of America continues to take people 's money by letting it go into limbo between the customer and the banking systems. This is a common issue is what I was told by the customer service rep on XX/XX/2018. This isn't right. This bank is stealing money. I'm just one person but I hope this comment can start some type of investigation into this. This bank isn't being fair to the public. Yes, my issue was resolved but I had to spend days and hours doing investigation work myself with watching transactions and taking screen shots to get my issue resolved. This isn't right. No one should have to go through this.
I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help!
There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.
I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my report.
cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
Reference complaint XXXX which has been incorrectly closed. I posted a follow up comment but not sure it will be seen since complaint is closed. 

I have a XXXX MM account with Capital One. On XX/XX/XXXX an unauthorized withdrawal was processed via online banking in amount of {$6500.00}. I contacted Capital one on XX/XX/XXXX so that it could be resolved. On XX/XX/XXXX a deposit was made to the account for {$6500.00} and an interest credit of XXXX cents was deposited on same day. {$6500.00} * 2 % * 1 day / 365 days = XXXX cents ... .so interest for one day. When on the phone on XX/XX/XXXX I confirmed with the customer servicer rep that it was for only one day ... .but the funds were missing from my account for 4 days. I asked why it was not put back in the account effective XX/XX/XXXX when it was removed rather than XX/XX/XXXX and did not get an answer. 

What happens to the interest I should have earned on each day in XX/XX/XXXX when funds were missing from my account? I have called a number of times since XX/XX/XXXX thinking this would be resolved but it has not. on XX/XX/XXXX I received by US Mail a letter saying the XXXX interest was correct and it was properly credited to my account. It says the interest for XX/XX/XXXX - XX/XX/XXXX is  included in the interest amount credited. Clearly it is not. 

I started keeping records of phone calls on XX/XX/XXXX at which time I spoke to XXXX and asked to be escalated to a manager - and then spoke to XXXX. I asked for another escalation and spoke to XXXX - all assured me it would be properly addressed. 

On XX/XX/XXXX I spoke to XXXX and was told an email was sent to me on XX/XX/XXXX but I never received an email from Capital One. I asked to be escalated again and spoke to XXXX. I asked for them to show me the actual calculations to prove that my account was properly handled and have not received anything showing me it was correct ... only info saying it is correct. I asked for a reply in writing - which is the letter received on XX/XX/XXXX. 

So - we are back to square one. No one at Capital One thinks anything wrong has been done but they are not able to document or demonstrate anything substantive proving their case. 

Still waiting ....
This company is harassing me, they put a wrong debt on my credit history. 
Compliance Department Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I paid everything and I moved out, I fullfilled the obligations in a contract. They are trying to collect something that I dont owe!
I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Hi, i 'm a costumer of citizen bank 11 years+.Sorry to say that but on all this years the costumer service is terible.Just went today XXXX to my branch at XXXX Ma.I noticed i was being charged {$3.00} fee the last 3 months, went there to find out why? .This costumer representative i was talking too his name ( XXXX ) was so rude.He told me go online and do it yourself, to waive the {$3.00} fee.He gave me no answer 's what that fee was for, and why he could n't helped me to waive it at the branch.I was surprised of his costumer service being 11 years with citizen 's bank, and a valuable costumer.Because of this guy i had to close the account with citizen's.Thanks citizen for this costumer service.
XXXX XXXX XXXX has been contacting me trying to get information on my close friend. They have called multiple times, and each time I tell them I am not her, and will not give out the personal information of a friend. 

After telling them I am my friend, they continue to ask me if I can confirm that I am her to discuss a personal business matter. I continue to repeat I am not her and will not provide any information on her. 

Each time they say they will remove me from the account. But I continue to receive calls.
I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.
They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.
I have asked the credit bureaus to validate the bankruptcys on My credit report. Their response has been they have validated the items. They responded that they did. I spoke to them on the phone and Asked how they verified the information. Their response was they used a 3 party to validate these claims. They would not say who this third party was. I spoke with the clerk of courts and they do NOT supply the credit bureaus with this information when I disputed the items. Not only that the address supplied by the credit report company is in accurate, thus another reason why these items need to be removed. When these items are validated by a 3rd party we do not know how many other parties are in the string of validation and does not come from the original source. I feel This is violation of the fair reporting act which clearly stated this information needs to be validated directly from the source. By using another credit reporting to validate a debt is NOT verifying a debt!
Eqifax has an address on my personal information that I have never lived at. The address is XXXX XXXX XXXX XXXX Kentucky. I know there are two other XXXX XXXX in that area. They are father and son. XXXX and XXXX. Im not sure which one lived at that address but I think it may be affecting my credit score since one or both of them may not have good credit
I have been trying to refinance my personal home ( as a result of a divorce ). All documents were fully submitted on my end and the only thing outstanding was a CEMA request to my current mortgage company ( XXXX XXXX XXXX ) made on XX/XX/XXXX. This CEMA request represents a significant savings in money of nearly {$15000.00} which I need as a recent divorcee with 2 children. After having no word from XXXX XXXX for 2 months, I called the company to learn nothing had been done to fulfill the CEMA request on their end and I was told that the request would then be expedited. That was two weeks ago. Now we are learning that XXXX XXXX claims to not have certain required documents ( the original mortgage note ) ( that they should have received from XXXX XXXX  XXXX upon acquisition in XXXX. This note is necessary to complete the CEMA request. This is unacceptable. This has cost me in time and potentially money. I pay my mortgage every month, the least XXXX XXXX can do is manage the documents related to my loan. It's precisely this kind of business practice that was at issue in the mortgage loan crisis.
I was charged a $ 20 monthly fee for a checking account and did not realize this until XXXX fees had been charged ( XXXX and XXXX XX/XX/2015 ). No checks were written for insufficient funds. When I complained I received an email indicating {$20000.00} was a minimum balance. I do n't recall being informed of that before and these fees were not levied previously.
Midland Mortgage is refusing to pay property insurance from escrowed funds. 
Midland Mortgage is threatening to put forced place insurance on the property.
My HELOC matures in XXXX 2015 with Bank of America. I have submitted a request for renewal and my wife and I have FICO scores in the XXXX, have {$1000000.00} in an IRA account, and {$100000.00} in our investment account, owe {$19000.00} on my XXXX mortgage, which I am willing to payoff, as well as a car loan which is for my mother 's car in the amount of {$7000.00}. We are both self-employed and the bank has taken our net income as our personal income. They also include our XXXX car leases in the total amount {$930.00} per month as personal debt, although we have expense all lease and other car expenses through our respective business. Based on my payoff of my XXXX mortgage, car loan and proving that the car leases have been deducted through our business income, and meeting the now debt to income ratio, they will not approve the renewal unless I prove that the car leases are for business. My house is appraised for {$800000.00} with the only remaining debt being this HELOC at {$200000.00}. I believe the bank does not understand self-employment borrowers by way of adding business expenses as car leases in their debt formula, but not crediting back the expense on your tax return.
Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.
I have the mortgage for my home with Everbank formerly Everhome mortgage. XX/XX/XXXX I noticed that Everhome Mortgage was charging me late fees ; according to them because they had received my payment after the XXXX of the month. I knew that I had mailed my mortgage payments on time. I believe they are receiving my payments on time but wait until the XXXX of each month to cash my check ; trying to justify their so called late fees. When I contacted Everhome about what I suspected, their response was that it must be a delay with the US postal service and that I still have to pay the late fees. They also said that I was mailing it to the wrong address ( the address that is printed on the monthly mortgage payment stub ) and that I should mail it to a different address, attention cash management ( this address appears on the back of my mortgage statement as an " Overnight Mail '' address. I have voice recordings of all communications between myself and Everhome/Everbank. Anytime I spoke to one of their representatives I would ask them to clearly state their name ( they will only state their first name ) and I would ask them to state their employee number. As a result of their fraudulent late fees, in XX/XX/XXXX I began sending my monthly mortgage payments via certified mail. I have all the receipts. To date on my monthly statements they have " Total Fees and Charges '' of {$1400.00}. I have never missed a monthly mortgage payment and more importantly I have never been late with a mortgage payment. 

I also have had a business mortgage with a local bank since XX/XX/XXXX. I have never missed a payment with them and have never had any of this nonsense or extortion. 

In my opinion Everhome Mortgage and Everbank are nothing but con artists and crooks. And I have the evidence to prove it.
I am attempting to have a letter of reaffirmation put into my current open bankruptcy case. My current mortgage is with XXXX XXXX. The problem is is I have been attempting to have this letter of reaffirmation sent to my lawyer since XXXX XXXX. I 'm hoping that filing this complaint will expediate the process so I may close the case because this is the only thing that I 'm waiting for to close the bankruptcy case. I have been told on many occasions that I will be contacted, I will be emailed and I will have my phone calls returned none of this has happened! It is of paramount urgency that I get this letter of reaffirmation put it in my file before the courts decide to close the case without it. If that happens, I will have to pay re-opening fee to have the letter put into my file.