WillisBack/dataset-financial-user-claim huggingface dataset:
Greeting, I have submitted to the credit bureaus XXXX  and Equifax within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.
I was informed around XXXX/2017 by my mother in law that a debt collector was repeatedly calling her asking where I was. She was never given a company name or an agent name, but was given my social security number and birth date without asking for the information. My spouse then contacted the company and again they did not divulge who they were but did say to her that the original company was XXXX XXXX XXXX XXXX and it was an online payday loan, they freely gave my sensitive information out to her as well as other people by the same name as me. She was given their social security numbers and birthdays without asking for them. I then contacted the company to try to find out what the situation was and was told I was going to be prosecuted for a worthless check for a payday loan I had gotten in XXXX of last year. I was never informed of my rights or briefed on whether or not the call was being monitored or recorded, all they seemed to be concerned about was getting my credit card information. As of 5 minutes ago they are still contacting my mother in law and wife threatening prosecution and possible jail time if I do n't make a payment today. I have not received any written correspondence regarding this matter from them or my counties prosecuting attorney. I do not know my rights in this matter but I feel as if my name is being dragged through the mud unfairly by this " company '' to anyone that will answer the phone for them by freely discussing that I have a " worthless check '' and giving out my personal information and I know for a fact they are freely giving peoples personal information out without being prompted, men who have the misfortune of having a similar name as me. I fully understand paying what I owe and for what I 've borrowed but I do n't feel as if this " company '' is treating my information as sensitive as they should as well as other peoples. They call from numbers that come up as " private ''. I feel as myself and my family are being harassed and I 'd like to know my rights regarding this matter please. 
Thank you
Received paperwork stating that the house is in foreclosure but this was during bankruptcy automatic stay company went against the automatic stay and continued to the foreclosure property by ignoring stay. They were still selling the house and closed the bidding when the account was in bankruptcy status ignoring the bankruptcy automatic stay on property The house was placed on the market during bankruptcy. I received a letter after the house was taken off the market but they never to this day advised how much is owed and continue to publish the house for foreclosure after all this time the amount is not accurate and neither one of these parties have a sure amount of what is owed. When I did call they still did not have an accurate amount owed they said they will send me notification as of today 's date there is no notification of the debt owed and how much is constantly different with figures that are higher than normal. The mortgage servicer has placed fees that are unlawful in order to seize the property. Visio and the servicer is not advising the exact amount owed ignored automatic stay but yet they are putting the property back on the market without letting the owner know what is really owed, Not giving the owner time to dispute they are constantly violating the legal right of the property owner. These two companies have two different figures placing property on the market and not advising what is owed. and it is not detailed or structured for anyone to understand what is really owed because of the many fees that are unlawfully placed on the property in foreclosure. Visio is  conducting predatory lending practices and needs to be investigated for discriminatory practices as well. They have deliberately foreclosed property where they advised people that the owner of the property spoken in a derogatory manner by the finance manager XXXX using unlawful tactics in order to seize property the company is engaging in unlawful tactics in order to get property in their possession by the tactics they have displayed during financing and foreclosure the company continue to deceive the owner where they would state that they will renew the terms and at the end of the term refused therefore causing the loan to be in automatic foreclosure status.
Trans-union Reporting agency placed information on my credit concerning XXXX and XXXX being behind in payments in XX/XX/XXXX, i only fell behind XXXX time in that time period and it was placed on my credit showing XXXX days past due in XX/XX/XXXX & XX/XX/XXXX. Now its placed back on their again in XX/XX/2017 as if i was just late with my payment, this was corrected by me and all applicable statements and proof that this account was no longer in these creditors were not in this status was provided to them in XX/XX/XXXX. My payments are current and the date that they have listed on the account as last paid is also incorrect. The last payment made on both of these accounts were in XX/XX/XXXX. This is not correct on my credit and its painting a negative image to my name as if i was XXXX payments behind with both of these creditors. Please see attached for XXXX im locked out of XXXX and unable to get credit history for submission.
XXXX XXXX, XXXX, XXXX XXXX, Ca XXXX Loan # XXXX NationStarMy name is XXXX XXXX, I have a XXXX loan which was modified in XX/XX/XXXX to 2 % step up. At the time of the loan Mod, the details were unclear and told to accept as my prior loan was at 6.875 % interest only. I have paid my loan on time and NationStar Mortgage now holds the loan. I work as a volunteer with a HUD approved Housing Counseling organization XXXX and our group have helped over XXXX homeowners keep their homes. I was written up in the Ca. Law review for exposing lenders bad practices. I am writing about the Pay for Success incentive offered by XXXX XXXXwhich states that payments made on time for 1st 5 years get {$5000.00} applied to principal reduction and 6th year another {$5000.00}. applied to principal reduction. I called Fannie Mae XX/XX/XXXX and they verified that I was eligible as a XXXX loan and advised that I should have been given the first {$5000.00}. XX/XX/XXXX. I called NationStar Mortgage and tried XXXX times to make contact. When I was able to speak to someone, it was rude and told that they would foreclose if I could n't make payment. That was not my question. It was about the Pay for Success Incentive. I also wanted to see if I could set my interest rate. I had received notices from NationStar that my loan was fixed for XXXX months.The last conversation was that they apologized for not putting the incentives on paperwork when they purchased the loan. Then I received a call that I was not eligible, then I was. 
I am entitled to this incentive and request your help in obtaining this incentive. 
Thank you, XXXX XXXX
I CHECKED MY CREDIT REPORT YESTERDAY AND FOUND A XXXX CREDIT CARD ON MY ACCOUNT THAT HAD BEEN OPENED IN A DIFFERENT STATE, THATS NOT MINE OR MY ADDRESS. IT IS IN DELINQUENT STATUS AND HAS DROPPED MY CREDIT SCORE CONSIDERABLY. I HAVE NEVER HAD OR SIGNED UP FOR A XXXX CARD.
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed   XXXX   under my credit bureau by  XXXX  different companies which is   XXXX   XXXX   as well as capital one.   XXXX   XXXX   reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX
A check written by and drawn on Credit Union in good standing was deposited via Remote Deposit Capture into my Bank of America account. The check is what is known as a " Teller Check '' in the amount of {$2600.00}. A day later, a 10 day hold was placed on my deposit. By law : " The following types of deposits must be made available on the first business day following the banking day of deposit ( " next-day availability '' ) : .... 
7. Cashier 's, certified, or teller 's checks deposited in person to one of your employees and into an account held by a payee of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' - Excerpt on Compliance with Reg CC, Determination of Availability of funds from  www.federalreserve.gov. 

I received a notice that my deposit, made on XXXX XXXX, XXXX in the amount of XXXX on hold and would not be available until XXXX XXXX, XXXX. The reason for hold given is " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

I believe this to be an unlawful hold. I have called the bank ( who is really a 3rd party organization who tells me they make these decisions for the bank ) to determine what reason they had to believe the check may be returned. They would not or could not give me a reason for what the indications were that the item may be returned, but repeatedly told me they could release the hold because of this 'reason '. They also repeatedly stated that they would provide me with the details after 'processing ' was complete. 

This is not the first check of this type that they have cleared through my bank. Holding checks because of indications that it may be returned, when in fact, the check has probably already cleared, is all but an excuse for the bank holding my funds ( and who knows how many others ) allowing BofA to make money off of the 'float '. This is, as I see it a misappropriation of Regulation CC " Reasonable Doubt '' rules for Exception check holds.

There is no reasonable cause for 'doubt ' as a ) the check is dated XXXX/XXXX/XXXX, so is neither postdated, nor staledated, nor has the institution declined to honor the check the bank is refusing to provide any evidence that " the existence of facts would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible, as the regulation declares a requirement for this type of hold. Also noted in this rule is the statement that the reason for your belief that the check is uncollectible must be included in your notice to the customer. This has not been done and is a very clear violation of the law.
Steadily calls me at my job providing Claim XXXX even though I give many verbal cease and desist requests But, they still make me nervous because yet again they leave me more messages. 

Very aggressive individuals these people have never sent me any written communication. 

These people called saying they were central mediation. 
Their number is XXXX. 

They are advising that I call a specific number to get more detail otherwise someone will be coming to home to serve me with papers.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you
On XX/XX/2018 " Waypoint Resource Gr '' has opened an account in XXXX reporting that I'm in debt of {$270.00} from an original creditor " XXXX XXXX XXXX '' I have received service from " XXXX XXXX XXXX '' starting from XX/XX/2018 and ended my service on XX/XX/2018. I have communicated with that company to make sure that my account was in good standing and they assured that everything was intact and that my account was in good shape. I never received a letter nor email stating that I owed any amount to either XXXX XXXX XXXX nor Waypoint Resource Gr. XX/XX/2018 I received a call and was lied to, or mislead. The company called saying they were calling for a job opportunity, and they wanted me to verify my name and address. After I provided that information, they then stated the name of the company " Waypoint Resource Gr '' and said they were calling to collect a debt of the amount of {$270.00}. This negatively has affected my credit score tremendously because " Waypoint Resource Gr '' reported the same thing twice in different dates on Equifax. Waypoint Resource Gr has opened two account for the same amount on different dates which are XX/XX/2018 and XX/XX/2018 for {$270.00}. It seems that they are trying to collect more than what there asking for which is unlawful.
Equifax Security Breech Complaint Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.
I need to have a past car loan on my credit report changed from a degoratory status to not deregotory
I do not have middle name/initial or lived on XXXX XXXX in no part of the world ...
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.
First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
XXXX has incorrectly added a derogatory item to my credit file for a large overdue bill in someone else 's name. They have this person listed as my " alias '' on my credit file. We do share the same first name but that is all. 

I do NOT have a XXXX account The past due amount reported on the credit file is {$3700.00}. 

This item was first added in XX/XX/XXXX and reported in XX/XX/XXXX. 

Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to me, addressed to this person, at my address. I marked the envelop with " return to sender ''. When that didn't work I called and spoke to a customer service representative. I thought that resolved the problem but it did not.
I LOST ALL MY BENEFITS AS WELL AS THE UNEMPLOYMENT INSURANCE BENEFITS. 
I CA N'T PAY THE ACCOUNTS OF CHASE CARD AND I COULD NOT PAY WITH MY UNEMPLOYMENT INSRANCE BENITS.
I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. 

On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.
I received an email from  studentloans.gov. o n   XXXX   XXXX    2017 advi sing as follows ; Excerpts from email below ; " Dear  XXXX ,  The  Department of Education has approved your claim for forgiveness of your federal student loans under the borrower defense to repayment rule  , 34 C.F.R.
685.206 ( c ). "   ... ...     " The Department will notify your loan servicer of the approved forgiveness, and the forgiveness should be completed within the ne xt 60-120 days. Your servicer will send you more details about the forgiveness, including which l  oans have been forgiven. '' The period " 60-120  days '' has passed and I have yet to hear from Navient - the servicer. I contacted Navient  XXXX   XXXX ,    2017 and s poke with a representative and they had no information regarding the email I received. I had called the the phone number -  XXXX  - given the email and confirmed that the email was legitimate. I also sent a copy of said email to  FSAoperations@ed.gov  for further action or clarification and received an acknowledgement of receipt and nothing further so far.