WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has lead an out of date SOL public record on my report affect my credibility with financial institutions.
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have XXXX on one XXXX on another and XXXX on the other and accounts that are at XXXX balances
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX SS#XXXX DOB: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Have no clue what this account is, I reached out to Portfolio Recovery regarding this error when I first discovered it on my credit profile, This company failed to inform me of this debt, I called the company and informed them i had no knowledge of this debt and who was the original creditor and how do i owe this debt, The rep kept trying to pressure me into paying it and wouldn't give me the information i requested such as who is the original creditor and why do they feel i owe this debt .I hung up and sent out a letter asking for validation they sent me a bill I still had know knowledge of the account because i never had an account with the company, So i sent them another letter with the law as to what validation meant .I also sent in a request In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) ( if applicable ) a copy of the judgment. 
e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in Louisiana, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 52 days passed and Portfolio Recovery has refused to respond.I mailed letter via certified mail and upon tracking the letter it was received
I applied for a HAMP loan modification in either XX/XX/XXXX or XX/XX/XXXX. The reason for the request for loan assistance was due to the fact my husband XXXX in XX/XX/XXXX leaving me and my XXXX young children with no life insurance. We were unprepared for his XXXX. 
After this event I want to keep my children in as stable environment as possible. 
I put in my package to US Bank ( XXXX ). I stayed in touch with him, provided all documents requested and was told the file was complete. 
In XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) saying we were thrown out of loan mitigation saying I owed the following items : 1. a business tax return for a business only my XXXX husband was involved with. They claimed portions of the business tax return were not included. I sent the full return. including all items they claim I did not send. Clearly they got the return, I have proof. 
This request for my XXXX husband 's return is irrelevant to my loan. 
modification requests. I am not currently nor was I ever a participant in his business. 
2. They requested my pay stubs. I provided this multiple times. XXXX confirmed receipt as well as profit and loss statements, bank statements and any other documents they needed to review my request. 
They continue to stonewall me. I originally filed a complaint with the CFPB on XX/XX/XXXX. US Bank threw me out and denied my request even while the complaint with your agency is active.
My TransUnion credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is XXXX XXXX XXXX and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. 
since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical
To Whom This May Concern I am the rightful beneificary on a cd account with Synchrony Bank. My uncle XXXX on XXXX XXXX this bank allowed XXXX XXXX to mail a fraudulent change on beneificary after the date of XXXX and it had the date before XXXX but was received to them after XXXX Synchrony accepted it with XXXX XXXX signing all paper for XXXX XXXX no notarized notary seal was needed. XXXX XXXX had 2 account and i was beneficiary of both policys Synchrony Bank only paid me for one account. I mail a letter to Synchrony Bank making them aware of the situation and i receive a letter from the President XXXX XXXX XXXX stating they had receive the change with prior dates before XXXX but after XXXX and they had made the change. XXXX XXXX XXXX stated they allowed these frudulent activity to go on at they bank. My lawyer stated they to me under state law no changes are acceptable to any account after account holder have XXXX all changes should made while all parties are still living and if you should XXXX while changing beneficiary its null and void. Account holder must be alive to make these changes. Synchrony bank state they have different rules that they follow and they allow you to make changes if they receive paper work after you are XXXX. XXXX XXXX Police Department has been notified police report number is XXXX and XXXX had tried to change another policy but he was not able to do because he had to get the form notarized from a notary. I have all this information if this is needed all i want is all money back to me the has been fraudulently taken from me. XXXX XXXX told me he was going to change these policy but i did n't know they allowing these kind of changes after XXXX this company can look at the date they change this XXXX XXXX XXXX at XXXX Saturday morning i sent them the XXXX XXXX.
This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.
On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.
I do not owe anybody any money. I think I am attempting to being scammed. There is no person to talk to, all I am allowed to do is push buttons and I am afraid to do that.
Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees
During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I
Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.
I have two checking accounts with Bank of America. On XX/XX/18, I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had a balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee, because I never signed for overdraft protection and any transaction will come to my account should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he was a manager in West Virginia. Mr. XXXX refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 but Bank of America already charged me a overdraft fee on XX/XX/2018.
Experian is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Experian is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Experian does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Experian may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Experian is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.
I am very sick i have XXXX XXXX i opended a bank account with wells fargo and its been a total nightmare i had all my goverment money deposit to my bank account then i tried to withdrawl some my card declined i called and spoke to a representative she didnt know what she was doing i was on the phone with them for more than 2 hours and according to them it was a system error so they said use your card it should be working there was a blocked but we removed it so i tried using it again declined so at this point im upset im on hold again and after 30 minutes they answer and said the department i have to speak with its close till the next day so i wait the next day i go to the branch they called the bank i was there for a pretty long hour and a half finally the banker said ok problem solved i go home tried to pay my phone bill my card declines again why? I dont know i have XXXX in my account so then i got on the phone with them again they transfer me like 4 times to end up telling me the department i have to reach its closed again, at this point im so XXXX i need my medication i have no cash and i have bills to pay that wont wait so ive been like this for a week already today i called again and they said nothing its wrong with my account so i said so why cant i use my debit card so they said u know what i see a block in your accout you have to step into the branch are they kidding me again? So i asked to speak to a manager they said that department thats handling my account are closed today so i said no transfer me to a supervisor now the supervisor got the phone and hunged up on me and im so upset this is not the way to treat a human being its my money i need my medication its not fair.
I applied for a loan for a new mortgage, after I sold my existing home. The lender, " Loan Depot '', is  the same lender for both loans. 

I have had difficultly with the account manager XXXX XXXX at Loan Depot, who I believe at this time is negligent in the handling of the paperwork I continue to submit to her over and over again on a weekly basis. I ask for verification that she has received the paperwork I have submitted to her, but never hear from her until late Friday afternoon asking for the same paperwork I sent to her earlier in the week. 

Last Wednesday XX/XX/XXXX, I requested someone different to follow this process through to her and my loan officer. She said no, she would be the one to follow the loan. 

I also feel at this time, she is doing it out of harassment because I am so vocal about her incompetence regarding the paperwork.
this company is reporting that i have had a auto loan through their company this fraud i never had a loan the document that was sent to me is that i bought a car from a company name   XXXX   XXXX   XXXX   which is false and on the document it stated that i traded in a   XXXX    XXXX   XXXX  and that false as well look on signature that 's not how i sign document and what was the vin number on the so  XXXX  that was traded in i guess any one can get a loan through this company all that have to do is steal a person information wow amazing reply to case  XXXX