WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX closing was done by a notary that did n't have a clue what the documents were that he was having me sign. Could n't answer any of questions. When I asked a question all I was told was I do n't know that is where you have to sign and if you do n't sign then the loan ca n't be closed. I was told all documents would be explained and I was told that if I submitted a voided check the funds would be direct deposited to my account, which I submitted but funding day some of the funds were wired to a holder of a previous home equity for a payoff ( which is fine ), The next day I received cashier checks made payable to companies for me to forward, which caused my pickup payment late and on funding day the cash out funds were wired to my account which caused an incoming wire fee that was not disclosed to me. The loan officer that was assigned to my account has stopped communicating. Apparently since he got his commission he is done with my account. I tried to email Royal United Mortgage to find out who I could discuss this with but my email was returned as blocked.
Equifax currently has a freeze on my credit report. They claim that this was fixed, but as recently as today, XXXX bank has reported a freeze on my report and are unable to access my credit information. I have been trying to correct this for over a year with Equifax. They have asked for copies of my birth certificate, passport, driver 's license and a letter of explanation which was sent to them in XX/XX/XXXX and again XX/XX/XXXX. I called them today, and they claim there is no problem with my account. They refuse to escalate the problem to a manager. On several occasions they simply hang up the phone. I have been told to seek legal advice. Before I do that, I am writing to you, per my Bank 's recommendation, Please let me know if there is anything I can do in addition to resolve my problem.
I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.
In XX/XX/XXXX an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XX/XX/XXXX, I filed for ChapterXXXX bankruptcy and this amount should have been included. Not to mention, after filing for Chapter XXXX  bankruptcy again in XX/XX/XXXX, this amount should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has  undoubtedly had a severe impact on the type of credit I receive and the interest rate charged for the past 21 years.

I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override - this is embarrassing. To add insult to injury, I am a XXXX  employee - I am limited with funds to pay debtors. I was unable to open a checking account, obtain a debit card, and the like due to this charge-off.

The PenFed Credit Union is offering assistance for members who have been with the credit union for at least 12 months. I was told by PenFed that I could obtain Direct Deposit Assistance. Meaning, if I was an existing member with PenFed and have an existing direct deposit into a PenFed deposit account, I could qualify for their Direct Deposit Assistance program. This program allows me during the government shutdown to take advantage of a 0 % advance on an overdraft line of credit in the amount of your most recent direct deposit from a qualifying government agency, up to {$6000.00}. For qualifying members with an existing overdraft line of credit will be increased by the amount of the direct deposit to accommodate the advance. For members without an overdraft line of credit such as myself, who otherwise qualify, an overdraft line of credit would be opened for me to accommodate the advance, and NO CREDIT CHECK is required for qualifying members.

I was told I didn't qualify because of the charge-off still on the account from XX/XX/XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination.

I was told to contact a XXXX XXXX at the Credit Union, which I believe is a bogus name.

This is false advertisement and acts of insensitivity during my times of hardship. I have {$1000.00} going to the credit union monthly. I was beginning to save funds, but in late XX/XX/XXXX I had two family members : ( 1 ) one who is now deceased ; and ( 2 ) another who has experienced severe health issues where I had to assist with other family members in burial costs and other expenses.

I called in to ask questions, the representative on the phone didn't even offer me the opportunity to apply per their process.

This is wrong. I meet the criteria for a Direct Deposit Assistance, especially since no credit checks are involved.
In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,
I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/2015 for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since the begging of XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX. There was also {$20000.00} given by the seller back to the current owners for new windows for the property, this was given to the current owners from the proceeds of the sale.
On XX/XX/XXXX and XXXX XXXX, XXXX paid for purchases at XXXX XXXX and XXXX, respectively with a personal checks. During the same month I attempted to open a separate account at a different bank that would allow me to transfer funds to my grandson 's bank account who was in school in a different state. I learned, while trying to open a new account that my name was in XXXX which came as a complete surprise. When I called the number given to me by the bank, I was advised that my checks were presented on a " closed account '' according to my credit union. This was not true. The Credit union provided a letter to TRS Recovery Services stating that it was an error that my account was showing " closed '' and I paid both checks with certified funds. I shopped in a XXXX XXXX store on XX/XX/XXXX and attempted to pay for my purchases via check ( my debit card was lost during the XXXX holidays and I had not received a replacement card yet ) and my check # XXXX was denied. I had just checked my account via automated system prior to shopping and my balance was more than enough to cover my purchase so I approached the manager after calling the " XXXX '' number at my CU and learning that I, without question, had sufficient funds. The manager then checked and noticed that TRS was denying the check. She contacted TRS after getting on the phone with my credit union so that they could verify my available funds but the CU could not override TRS in their system and interface the transaction with XXXX. TRS told the manager that I would have to make purchases ( via check ) to establish a history with them in order to clear my account. XXXX of all I am being penalized because of an error that my CU made back in XXXX and which has since been corrected and the checks paid and Secondly, how can I re-establish a check cashing history if TRS is denying my checks particularly since XXXX - TRS is used by most merchants in this area. The manager of the grocery store asked the same question but go no satisfactory answer. This company refuses to consider the fact that they got a signed letter from XXXX XXXX Credit Union stating the fact that is was an error on their part that my account showed " closed '' at the time the checks were presented in each store and NOT INSUFFICIENT FUNDS. To continue to penalize me when evidence has been presented to refute the initial claim and the fact that TRS agreed that I should not pay returned check fees on either check and the fact that I have paid both checks with certified funds, in my opinion is double jeopardy if there is such a term in debt collection. I am penalized for something I DID NOT DO! I am seeking your assistance in clearing this matter up so that it does not continue to defeat my efforts to clean up my credit and improve my credit score. I have XXXX addresses for TRS Recovery : XXXX XXXX, XXXX, XXXX XXXX ; XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ;
I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).
I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.
Hello, I have two 'dings ' on my credit report that I need to get removed. One was a XXXX XXXX  Mastercard, and one was a Chase credit card. 

Both banks will not talk to me, because I closed the account many year ago. However, one payment was late for XXXX XXXX and one was late for Chase. Both banks claim they do not have my information, etc. I would like to ask them to remove those two late payments. My payment history is almost perfect, and I had a problem with my payment not being submitted correctly in both of these banks. 

Basically, I just want these two banks to give me a courtesy and remove those late payments from my credit history. The rest of my credit payment history will prove that I make my payments on time. 

But, neither bank will talk to me - they claim they have no record of me. 

XXXX XXXX
We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.
Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.
The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX -  {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.
After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.
I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
( 6 ) Please provide a complete account history, including any charges added for collection activity. 
( 7 ) What is your authorization of law for your collection of this alleged debt? 
( 8 ) Please evidence your authorization to do business or operate in this state. 

Thank you.
I assumed a loan that my father had on his house after he passed away. After I assumed the loan the bills were coming as they were before i assumed the loan addressed to the Estate of XXXX and the principal amount on the bills were n't the amount that i agreed to. I was waiting for a bill to come in my name so I could make a payment. Three months after i signed the assumption papers the company sent a delinquent letter still addressed to the Estate of XXXX. I called them immideately and when they said the account was delinquent i made a {$14000.00} that day to bring the account current. I proceeded to call them multiple times to ask them to have the loan put in my name. The only thing that they changed was the principal amount until XX/XX/XXXX, that was when the bills started to come addressed to me. Then they report to the credit agencies saying that i was delinquent. They also sent 2 sets of XXXX tax papers to the house. One set addressed to the estate of XXXX for the payments XX/XX/XXXX through XX/XX/XXXX and the other set addressed to me for XX/XX/XXXX through XX/XX/XXXX. If i was fiscally responsible as they are saying for the months that were late then why does the estate have a XXXX at all? My issue with this company is that the way in which they are doing business is very misleading to their customers. It is their fault that i did n't make a payment because they never sent me a bill. Then they record to the XXXX credit agencies that everything is accurate As you can see there are many inconsistancies in which the are handling their business. In doing so they are affecting my life greatly because my credit has been impecable up to this point. I would like for this issue to be resolved and the company to be forced to communicate with their customers with precision so that this may never happen again
I am very concerned that it seems as Experian has not followed the provisions of the Federal FCRA which specifies that a reasonable investigation to determine whether the disputed information is inaccurate/unverifiable or delete the item. It states that if information disputed by the consumer is found to be inaccurate, incomplete, or can not be verified that the consumer reporting agency shall promptly delete the information from the file. In this case no verification of these listings was provided. I initiated a dispute with Experian for a listings for XXXX XXXX Bank XXXX and XXXX XXXX, that should not be on my credit report. The investigation was completed by Experian noting that the outcome of the dispute was Updated. However, there was nothing updated and the listings are still showing with the same information prior to the dispute. I contacted Experian over the phone because the listing looked the exact same prior to the dispute and should be removed. On a recorded line the representative verified that he saw the exact same thing I did that there were no changes. The credit bureau is not following procedures on making sure creditors are substantiating listings to reports. It 's almost as if they work for the creditors. I also have been having an issue with this company removing an inaccurate address that should not be on my file. I have requested numerous times and they tell me that they ca n't remove it when they can.
Experian The accounts listed below are not mine. 

XXXX XXXX XXXX  Bal {$200.00} Credit Limit {$500.00} XXXX- XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} XXXX XXXX XXXX XXXX Bal {$16000.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization  regarding these inquires. 
XXXX XXXX Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX Inquire Date : XX/XX/XXXX These items need to be deleted from my credit report. 

In addition, please remove the following Addresses listed below XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers listed : XXXX XXXX  AND XXXX XXXX XXXX
It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that XXXX and Transunion credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.