WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015 my now ex wife modified a home loan ( 1st and 2nd ) through Chase Bank. She succeeded in obtaining a HAMP modification on our loans which extended the life of the loan which I did not approve. We were not divorced at the time however, we were legally separated. And would not become divorced for another full year. In the loan documentation, it specifically states " that all persons who signed the Loan documents or their authorized representatives have signed this agreement unless the borrower and co borrower are divorced AND the property has been transferred to one spouse in the divorce degree '' While I did quick deed the home to my now ex wife, we were still married at the time this modification took place. My signature was not obtained from the bank nor did I consent to using my credit report or any other means to modify this loan. 
I have tried to resolve the issue with Chase with no luck. Since I am still on the loan even after the divorce, I have invested interest in the home. I feel that this modification was obtained illegally as stated in the loan documents and would like it reversed to the original loan terms I did agree to.
I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.
there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XX/XX/XXXX these need to be removed from my XXXX credit report
I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.
It appears that Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Accnt # XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX Ref ID : XXXX Current Servicer : Resurgent Capital Services LP Debt Paid for settlement of {$360.00} on XX/XX/2017 from original balance of {$450.00} Resurgent reopened debt reporting to Credit Bureaus attempting to collect the difference. 

Resurgents in false and inaccurate reporting adversely affected my credit score resulting in my denial of paid closing costs and down payment assistance programs because of a lowered credit score thus causing delays in my home loan underwriting process, higher mortgage interest rate and delays in my cleared to close.
I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.
Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!
My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/2017. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/2017 that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Describe what happened so we can understand the issue ... Account liquidation has a account that 's in collections that I have disputed twice thats on my XXXX credit report that has been discharge in a chapter XXXX bankruptcy that I filed last year in the state of Mn. 



XXXX, Mn XXXX Re : Acct # To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
I have loan serviced by Ocwen that I had enter into a loan modification, Loan # XXXX I had been in the modification process for over two years and as I modified and went through and the hoops the service was putting me through that were outrageous, having to supply the same documents over and over and over. a hundred of more phone calls more working with attorney company to help me get a modification. In the end they denied me a Harp or a Hamp modification with principle deduction because my credit report did not show my current address as my home address it showed my office address. even after supplying tax documents, utility documents and county records that the house was indeed my residence they still denied me the government sponsored modification. and further more told me if I did n't do the in house modification, agree to it with in 24 hours that they would foreclose. The in house modification tacked on {$220000.00} worth of penalties and interest. I do n't see how this is fair at all and this cant be what the harp and hamp program is about.
Experian response to account XXXX that there response on XX/XX/19 with CFPB is they cant add account. It seems Experian has error on this account being XXXX as this account I have had for several years so how is an account I'm paying monthly does not show. I have also filed with proof from XXXX XXXX XXXX statements this account is open and been open for several years. I have also filed a complaint with the US Attorney office consumer complaint to a account that is open and been open for several years and Experian refuses to show the account on there credit report as the other 2 credit bureaus show the account. Experian by law can not remove or say an account cant be added as it is an open account for several years with XXXX XXXX XXXX authorizing it I spoke to them about this problem and they say they report it to all 3 credit bureaus monthly. If the matter is not cleared up I will seek legal issues on my consumer rights on Experian. So how I'm I asking to add an account in which I'm paying monthly but Experian is in error to the account not showing and the other 2 credit buraus show the account.
Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.
I have been contacted by a collection agenc y, Diversified Consultants, in   representation of  XXXX  about a bill that they say I owe on account that was closed in  XXXX   XXXX . This account was closed with the amount of  XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency "   XXXX   XXXX   '' on  XXXX / XXXX / XXXX  for the amount of {$420.00}, which is double what the service bill was actually for. Then on  XXXX / XXXX / XXXX  I receive a new bill from  Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my  XXXX   XXXX  because this is  one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding  XXXX  where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a  XXXX  phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.
I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. 

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! 

ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! 

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! 

XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed
on XXXX XXXX 2018, I noticed a credit inquiry from XXXX on my credit report. I immediately called the phone number listed with the inquiry ( XXXX ) XXXX, and was told they had no reference of my name, address, or social security number. There is a block on my social security number, and ANY institution is to call me BEFORE running any type of credit, yet again my credit was ran without my consent. This has been happening for the past year, and not one creditor has bothered to call before running my credit. I need this to stop IMMEDIATELY. I need all inquiries REMOVED from all three credit reports! This has been ongoing, and I write letters, and nothing happens. This needs to be resolved immediately with all credit inquiries removed from all three credit bureaus.
Opened a home equity line of credit with US Bank in XXXX of XXXX. At the time I opened the credit line the representative at the bank said that in order to make payments on the line of credit I needed to open a checking account with the bank, transfer or deposit funds in the US Bank checking account monthly, and set up the equity line to automatically withdraw from the checking account to make the payment. I had no desire to sign up for a checking account, as I had no intention of moving my other banking to US Bank and did not want the hassle of maintaining and transferring money between multiple accounts, but did so anyway at the behest of the branch employees insisting that it was necessary to make the monthly payments. 

I made timely payments throughout the remainder of XXXX and into XXXX. At some point during that time period the branch employees encouraged me to downgrade my checking account from platinum to gold, to avoid fees for not carrying a large enough balance in my checking account. I told the branch employee that set up the checking account that I only intended to maintain enough of a balance to pay the equity line payment. Selling me that checking account in the first place was a mistake given that I never intended on carrying a $ 25,000+ balance. I made the change and continued to make my automatic payments to my equity line. The branch employee failed to inform me that the change in checking account type ( which I never wanted in the first place ) would result in an annual fee being added to my checking account. When the annual fee was charged it caused my checking account to have insufficient funds to pay my equity line, despite the automatic deposit into the checking account that I never wanted. 

The cascade of this ( starting in XXXX of XXXX ) is that I have been charged hundreds of dollars in overdraft fees for a checking account I was coerced into opening ( that was closed by US Bank ), been charged late fees on my equity line and given a 30 day credit late for a late payment on my equity line.
I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.
I have been disputing with TransUnion for several months about the bureau having 3 different files with my revolving and installment accounts spread over those three files. Yet only one set of accounts is viewable to my creditors and me. I have been denied credit, or otherwise unjustly been given higher interest rates due to TransUnion not reporting my full history properly which creditors can see under one file. This has also reduced my creditworthiness in the eyes of my creditors.
This is the second time I'm opening a complaint about the same problem, previous complaint XXXX. It has been 2 months since Citibank blocked my account for no reason and returned all my automatic debits and disappeared with a transfer of {$1000.00}. Now I am being charged for the fees and fines caused by an error that the bank has already acknowledged and assumed but which has not yet complied with the agreement. I am contacting the bank but they do not respond to my emails and my account is still negative.
Arnold Scott Harris, the collection company - that poses as a law firm -for the XXXX of XXXX XXXX of finance ( parking and red light camera violations ) is a highly disreputable company that we have had the unfortunate opportunity to interact with on numerous occassions. They fraudulently over-collected over {$320.00} in the past 5 years. Since moving out of XXXX in early XXXX, they have been trying to collect on an additional {$450.00} of disputed, value-tripled tickets. Their newest tactic, after threats of legal action and wage garnishment, is to call my phone at XXXX in the morning on a Saturday. They know we have relocated to New Mexico, as they have sent written correspondence to our new residence, so there is no excuse for not being aware of the difference in time zones, particularly on a Saturday morning.
I signed up for a credit card with Capital One back in XX/XX/XXXX with my Stepdad. At the time I was a student, and my step dad did not speak english very well. We signed up in person at a capital one branch. It recently came to my attention that the credit card I had signed up for included an annual fee. 

First, I find it a little silly that the bank teller would suggest a credit card with an annual fee for a college student. What kind of benefits would a college student need that requires a credit card have an annual fee? After a few attempts, I was unsuccessful in getting any refund for my annual fee. However, I was able to change the card to the XXXX, which does not have an annual fee. My annual fee is charged every year on XX/XX/XXXX, for the following year. I was able to change the credit card on XX/XX/XXXX. So even tho, I will not actually have a credit card with an annual fee for the remainder of this year, the full annual fee remains. 

Furthermore Capital One does state that if the card is closed within 30 days of the annual fee being charged it will refund the charge. I also wonder, does Capital One give it's employees incentives to peddle credit cards with annual fees? I was curious, so my 3rd time around I asked a manager quite bluntly if they were incentivized to sign up customers for credit cards with a fee. Unsurprisingly, they were unable to give me that answer ...

The best response I was able to receive was from a representative named XXXX, who agreed with me that it did seem unfair. Unfortunately, the system did not allow her to do anything about it ... She assured me she also would file a complaint on her end.
XXXX, 2015 received a bill for {$40.00} from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear me down. The old servicer of this account ( XXXX I believe from my bank 's research ) has probably forwarded payment. Synchrony wants me to call XXXX. Synchrony should do the research from all the data we have provided them and issue a statement to the credit bureaus to clean up any adverse reports about me. This account was paid and should be credited as such..
I was disputing a loan amount and requested that in the interim, my account with the payday loan company be transfixed until the issue of my consumer rights violation could be resolved and the company never responded to CFPB and Im turn, CHARGED my bank account for {$380.00} on XX/XX/18, this causing me to be late with other bills. I was consequently assessed a {$130.00} lien fee to my storage unit because I couldnt pay them, because XXXX XXXX XXXX TOOK the money and was NOT authorized on XX/XX/2018 to do so. I hereby dissolve and rescind and/or revoke any and all of their claims ( real and perceived or implied ) to any authorization to my bank account or applicable cards in case there should be any further mishap ; this statement by myself is thereby documented via this complaint as such.
XX/XX/XXXX I made a payment, in person, ,on my Credit Card with XXXX XXXX XXXX XXXX Pennsylvania . I made a {$500.00} payment and was given credit for {$50.00}. A 30 day late counter appeared and my credit report. The Creditor subsequently corrected it and removed the late. However, although XXXX has kept the late off, the other XXXX repositories reinserted the item not once but twice. XXXX corrected the mistake and removed it on XX/XX/XXXX. Trans Union has been especially egregious having insisted last year the item still remains. This has caused continued harm to my credit score and I am contacting an attorney. Having worked in the industry for more than 40 years it 's unconscionable that this continues. The creditor insists to me that they corrected this more than 2 years ago.XX/XX/XXXX asked them to look into my account history and it showed I was never late. I have a copy of the XXXX deletion and am extremely frustrated.