WillisBack/dataset-financial-user-claim huggingface dataset:
I have a situation where Home Depot is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Chase acquired my loan from EMC, which acquired my loan from XXXX. 

My original loan was {$15000.00} ( Exhibit XXXX ) in XXXX. The way it got to {$24000.00} was the fault of Chase and its subsidiary, EMC. They foreclosed on my house while I was making payments and they were accepting the payments ( Exhibit XXXX ). Next, while I was out of town, they came into my house and changed the locks. 

I responded to their suit, pointing out that I had the affirmative defense of making my payments and they were collecting the payments and cashing the checks, sent from my bank ( Exhibit XXXX ). They offered me a modification and I was advised to take it, so I took it ( Exhibit XXXX ). I was not aware that the modification included paying for them to come into my home and change the locks ( Exhibit XXXX ). However, the agreement simply refers to {$8800.00}. As I now understand it was to exclude foreclosure fees ( Exhibit XXXX ). However, their documentation clearly states it was foreclosure fees and fraudulent inspection fees ( Exhibit XXXX ). They charged me {$2100.00} to inspect and appraise my property while I was making payments and for a foreclosure that was dismissed ( Exhibits XXXX and XXXX ). However, the dismissal clearly states that each party was to pay their own costs. I thought the matter was settled. 

In settling the suit, Chase 's subsidiary agreed that they should pay their own fees, and for this reason, I thought the modification was null and void. However, they went to court to enforce it and won. These were the kinds of practices I believe the agreement with the attorneys general attempted to address. 

Chase makes much of modification agreement by me in XXXX XXXX ( Exhibit XXXX ). That agreement required me to pay a certain amount to EMC, Chase 's subsidiary on a certain day. I explained to the debt collector that I could pay the amount two days later. He told me that would be fine. I made the payments, as we agreed, but I had to send XXXX XXXX, because my bank would only allow me to withdraw a certain amount in each transaction. EMC held the money for several weeks and then sent it back ( Exhibits XXXX ) The agreement was offered by " XXXX XXXX '', a pseudonym. As I understand it, it is illegal for a debt collector to use a pseudonym in this manner, according to the FDCPA. 

The problems with this are that, as I understand it, the FDCPA requires debt collectors to tell the truth. If it was not okay for me to send the money in XXXX XXXX and two days after the agreed day, he should n't have said it was alright. 

Lastly, if Chase has declared my loan in default and foreclosed, can they charge interest on a defaulted loan. This is what they are trying to do. As a result of the agreement with the attorneys general, Chase agreed stop such practices and to reinstate loans such as mine, as well as repairing our credit and paying us {$15000.00}.
Dynamic Recovery Solutions continues to call both private cell numbers and business numbers to collect a debt that is illegitimate and is not owed. They have been told to stop, and yet they have stepped up the calls rather than stopping them. They are looking for someone that is not at any of these numbers, and bullying the people who answer for information. They are using illegal tactics to collect this debt. They are calling late at night, they are calling on weekends, they are calling early in the morning. Everything this company does as far as debt collection is ILLEGAL.
The credit card company did not report my information correctly to the credit bureaus. Disputed the information and they requested Drivers License, Social Security Card, Utility Bill, Identity Theft documents. These were faxed in. 

Just received a letter indicating that they closed my account because they did not receive the information. Called them today and they indicated they did receive all the information however they couldn't read the drivers license so they closed my account. They didn't call or attempt to get any updated information. 

CALL LOG with XXXX XXXX : XX/XX/2018 @ XXXX - XXXX in customer service. Let him know I got a letter in the mail that looks suspicious asking for Drivers License, Utility Bill, Social Security Card. He beleives that this is in relation to the Identify Theft that occured and they need a copy of the report to verify my identity. He is double checking to be sure this is what it is regarding. 

We need all this information again because your account is being held due to XXXX account dispute. He indicates to fax the items to ( XXXX ) XXXX. 

He indicates that to remove derogatory remarks the request has to be done via fax to them or by the credit agency. Let him know I fulfilled the request by their organization when they asked and they still have not removed it. " I'll see what I can do ''. 

XX/XX/2018 @ XXXX - XXXX indicates she will give me the information to remove. Either by mail or with the credit reporting agency. She indicates to write in requesting XXXX and address to XXXX XXXX or XXXX XXXX. First Last Name, last 8 of card number. There was a remark on my credit in X month and X year. I would like to have this adjusted to improve my credit score. Indicate that I am trying to get an auto loan. 

XX/XX/2018 @ XXXX - XXXX in customer service indicates she sees all the information but the drivers license was not legible so they closed the account out and it's currently on hold. She indicates that they can not in her department can not remove this and the account is closed. {$300.00} deposit will be returned within 10 weeks. 

She has sent an escalation to upper management requesting to re-open the account. Requested to send in the drivers license and the copy of the Identity Theft report and they will try to re-open the account.
XXXX XXXX XXXX a debt collector illegally obtained my private confidential non-public information, credit report and is reporting " XXXX '' fraudulent accounts, amount, and other information without consent. The XXXX fraudulent accounts bear the same fictitious account numbers with varying data. I have disputed these account three times with Equifax and three times with XXXX who is a debt collector, not a creditor. XXXX has failed to obtain verification of the alleged debt and validate the debt, much less an account. I disputed the alleged " debt '' being reported as a " account '' and XXXX XXXX XXXX via Equifax claims it verified the alleged debt. This is impossible as not all accounts are debts, and all debts are not accounts.
I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.
I'm unable to lift the credit freeze placed on my account and Experian has made it impossible to resolve this issue by not allowing customers to speak with a live person even during business hours. The only help the automated system offers is sending me to their website regardless of what limited selections are offered on the phone.
I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?
i sent money through moneygram to be sent to my brother in XXXX ( XXXX XXXX ) When my brother went to pick up the money the bank told him the pin is invalid. i called moneygram customer service for my refund and they don't want to refund me my money. i am disappointed with their service.
I was charged a monthly maintenance fee on an account that was once listed as " Free Checking ''. I never received notice of the account changing from a " free '' account to a " standard '' account - despite what the bank is saying. The new " standard '' account charges a fee of $ XXXX/mo if you do not meet certain criteria ( {$500.00} minimum balance ; {$500.00} minimum monthly deposits ; or XXXX years of age ), which my account did not meet. I did not observe this account for some time due to not needing to use it, and in that period of time I lost $ XXXX+ in fees to the bank. I tried to work with the bank in getting any of that money returned to me as no services were rendered, but I was not able to get anything from them, as they claim that the monthly fee is necessary for them to operate a dormant account.
On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.
On XXXX XXXX 2016 I had a call from PNC bank that someone has been using my card in XXXX. I blocked the card, requested a new XXXX, etc. Since then approximately once or twice a month I get charges from XXXX and XXXX which I do n't and never have an account with. On XXXX XXXX 2016 I called PNC customer service and the person I spoke to assured me she put a stop payment on XXXX. Shortly after that I was charged by XXXX again. Since the first occurence in XXXX 2016 I had to change my card numerous times, waiting a week to get a new XXXX every time. I had to change my direct debits and file about XXXX disputes!! 

I request a full inquiry into the matter with a written report on how these XXXX companies got my private information and continue to charge me every time I get a new card! I would also like to know what was done to stop this from happening. I would like to know on what grounds my dispute had been denied and I would like all the money I was ever charged by XXXX and XXXX back ( noone is going to give back the time I wasted dealing with all this mess! ).
On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.
Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too! 
XXXX XXXX
XXXX XXXX, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, Bank of America 's agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX County Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?
Midland Funding LLC and XXXX, XXXX and XXXX - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.
I 'm a seller on XXXX. I have sold a few products with no problems. Today I sold a cell phone for XXXX dollars XXXX dollars shipping. After getting the product ready to ship I went to pay pal to confirm payment. I see that pay pal is withholding funds for no reason at all. Now I do not have access to funds in order to ship the product out. I see no reason to withhold funds after I have already made successful sales previously other than Paypal wants to keep my money for as long as possible. This amounts to theft, they have given me no reason to withhold money on this transaction other than there could be a potential problem. I have given them no reason to suspect there will be a problem. This practice needs to stop.
The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.
My home has been foreclosed upon and we have exhausted all appeal remedies ( even though the appellate court had to rule against itself in denying my appeal ). However, I have also been asked to participate in the Servicer 's Home Retention Program. The Servicer is Select Portfolio Services , Inc. They accepted my application in the program awhile back, and numerous stays, all at only 45 days each, from selling my property, have been granted by the court. However, since there have been so many of these, the Court required that a hearing take place to stay the next sale, set for XXXX XXXX, 2017 -- a week from tomorrow. 
I received a decision letter from SPS ' home retention program, where they denied working with me to retain my home, but will allow me to short-sell it for an amount far less than they say I owe with all the fees and attorney charges added on. I have offered them an amount roughly {$50000.00} above what they will accept on a short-sell, but they refuse to work with me. However, I do have thirty days from their decision date ( XXXX XXXX ) to appeal their decision and seek explanations as to why they will not approve me for some sort of repayment plan. The denial letter is attached, and interestingly enough, since this is a rental property I own, the Tier 2 program was of great interest to me. Their reason, shown on page XXXX of the denial letter, for not being able to offer me the Tier 2 program was that I have " not missed two or more mortgage payments. '' If that 's the case, as they state in writing, why then will they not just start accepting payments from me? 
We assumed since it would be in violation of RESPA laws for my property to be sold while I still have an appeal in the works, the judge would grant our motion to stay today. She did not. We are now looking into options to appeal her decision to district court or wherever, to keep them from selling my home while I still have an opportunity to appeal and perhaps retain the home by reasonable negotiations. 
I have attached below the copy of the affidavit we submitted with the motion to stay that resulted in today 's hearing. If you read through that, you can see all the ways in which I have been jerked around by SPS, and I have several prior complaints from their telling me they were refusing to follow the law and stay previous sales ( that we 've managed to get stayed up until now ). I need your intervention to compel SPS ( who showed up at the hearing today and opposed my request for a stay ) to follow the law, and for THEM to request that the judge recant her decision of today so that SPS will not be in a situation of dual-tracking me.
To whom i t may con cern, On  XXXX   XXXX ,  2017  I opened a core checking account with Bank of America. My account was in good status and I made several qualified deposits to my account from m y   XXXX   XXXX    account as well as  XXXX   XXXX  account. I was also received my Bank of America debit card on  XXXX   XXXX . I did not realize that BOA closed my account until when I attempted to activate my card. I made several phone calls to figure out what happened the BOA staff simply told me that they do not have any obligation to disclose the reason. The bank just simply closed my checking account and I will not be qualified for applying for any BOA accounts in the future.   I have good relations with all other banks and am in excellent credit status. Also I am not involved in any negative financial activities in any forms. Therefore I need to know why exactly Bank of America treats an honest and responsible customer like this. Many thanks.
I paid a judgment XXXX from beneficial finance served by XXXX. this was the amount specified on he judgement from 2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
My father had some medical bills while undergoing XXXX for XXXX. He passed away, and there were XXXX outstanding bills for XXXX. 

My mother had traveled to be with her sisters. I went back to the state I live in. The last of the bills were sent to my parents home. Then a collection agency ( ACCOUNT RESOLUTION CORP. ) based out of XXXX, MO sent collection notices ( to imaging sessions ) to my parents home. Ultimately they filed it under my dad 's name, and his SSN, and address with the XXXX and XXXX. The bureaus then somehow linked that with my SSN and his address. 

I have n't lived with my parent 's in years, different state, address, etc. However, both XXXX and XXXX reported me as having a collections report filed against me - possibly purely based on my name. My mother had kept her maiden name. So more than a year later, I receive an alert saying the XXXX charges ( totaling XXXX {$600.00} ) had n't been paid and I was delinquent. 

I had no idea these charges existed, the collections agency claims to have reported my dad 's SSN and address correctly. The only link was, I grew up at that address as a child. 

Now I have the headache of dealing with XXXX unresponsive agencies who made an incompetent mistake that is on my credit history a few weeks before I 'm applying for a home loan.
My XXXX Store Card Issued By XXXX XXXX Was Covered With Card Security Debt Cancellation. I suffered first from the loss of my own business in XX/XX/XXXX I  then returned to another job part time. Making much less money than before. I struggled to keep up with my payments but continued making them on time. My job eventually led to unemployment through no fault of my own on XX/XX/XXXX. When these events started my account was covered in full by Card Security Debt Cancellation. The written Contract shows that In the event of SELF EMPLOYMENT LOSS. MINIMUM PAYMENT DUE WILL BE MADE WHILE REDUCTION IN HOUR OR LOSS OF SELF EMPLOYMENT CONTINUES UP TO A MAXIMUM OF SIX MONTHS. NEXT EVENT JOB LOSS : After your job loss minimum payment on the first statement after the first day of job loss will be cancelled After 90 days in a row of job loss, you BALANCE IS CANCELLED ( PAID ) will not exceed the amount you owed on the first day of your job loss, up to {$10000.00}
TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.
I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions.
During the switch from XXXX XXXX to navient there where several times where my payment would be due at the end of the month and the following month it would be at the beginning. And according to the help over the phone. The payment date never change. But would change the date back to the or original due date but would not waive the late fee because as per them that was my fault