WillisBack/dataset-financial-user-claim huggingface dataset:
I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. This is in reference of account number XXXX for XXXX XXXX XXXX, XXXX, Virginia XXXX in my father 's name, XXXX XXXX XXXX. I am authorized to discuss this account. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
The attached document is a prime example of how they treated us during our request for a simple loan modification. They claim that they did not have the information regarding the account which first of all was in the report and I also sent it twice, I sent it to the addresses that they provided me to send it to. Coincidence that they have not received any of the pertinent documents that they need from me when all I wanted to was for them help me save my home? Why would I have not sent any of this in? 
How ridiculous that they can continue to treat customers like this and remain in business.
XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my XXXX and Experian credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
Upon trying to obtain credit I was notified of a collection account for {$180.00} on my credit report placed by Franklin Collection Service Inc. When I inquired with them who the creditor was they told me it was for XXXX service through XXXX. As I inquired further, I learned it was for a rental property I own in XXXX XXXX, NC ( I live in XXXX ). The internet ( through XXXX ) was in my name personally for several years. The bill was paid through an auto draft on my bank account. Then, last year a long term tenant moved in & got utilities in his name so I discontinued the XXXX service. The bill had been drafted and I received no further notifications from XXXX so I assumed all balances had been paid. I received NOTHING from XXXX. When I contacted them after finding out about the collection they placed they claimed they sent notifications to XXXX XXXX XXXX XXXX ( which is the address of the rental property ). I asked them to send me copies of letters they sent and never received anything. The tenant living in the home now is a doctor & is very diligent about forwarding anything he receives to me. The only item I believe was ever sent was a collection letter from Franklin collection dated XXXX/XXXX/2016 which was many months after the collection had been placed on my credit report. I am XXXX and have never had a derogatory item on my credit in over 27 years. I 've been in the XXXX over 25 years so I know the value & importance of maintaining a good credit history. This erroneously placed collection has dropped my credit scores from XXXX to XXXX points. In looking to refinance my home the damage this collection has done to my credit scores is going to force me to pay a rate that is .375 % to .5 % higher than my previously sterling credit would have gotten. I 've contacted Franklin Collection & XXXX on numerous occasions to straighten this issue out and all my pleas have fallen on deaf ears. My last communication with XXXX was on XXXX. After being transferred numerous times I finally spoke with a gentleman named XXXX XXXX. I told him I was happy to pay the balance they said I owed but I wanted this collection account DELETED from my credit not just marked paid in full since showing paid in full does n't restore my scores. XXXX XXXX assured me that if I paid the account in full he would send notes to Franklin Collection to remove the collection from my credit with XXXX, XXXX, & XXXX ( the XXXX credit bureaus ). I paid the {$180.00} and waited a few weeks to check my credit again. When I checked my credit I found out he did n't do what he said he would do. The collection showed as paid & 'consumer disputes account '. However, my credit scores remained unchanged since the collection was n't removed. My only goal is to get XXXX and Franklin Collection to do the right thing and removed this account from my credit history as they said they would do. Thank you so much for your help in getting this resolved. The account number used to file the collection is XXXX if this helps in finding the account in question.
Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.
Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.
This makes the 4th time I have tried to get fraudulent information removed from my credit report. I have been victim of identity theft. Equifax refuses to remove the information from my credit report. Instead, they continue to give me the run around, instead of removing the information, they are requesting information regarding my address. I have provided them with this information several times. This is a stall tactic ; I have recently faxed over the requested documents, again. I want the fraudulent information, removed from my credit report and a fraud alert placed on my credit file. However Equifax, despite providing them with police reports and supporting documentation, refuses to remove the accounts, and refuses to place the alert on my credit file. Something that I had little to no problem getting accomplished with XXXX and XXXX.
I tried to log into my account from the website. The website requires they send a secure code to my cell phone either text or phone call. I am XXXX military XXXX and do not have access to any phone service. I only have internet. I tried their online chat and they could not help me log into my account. I am now locked out of my account for the remainder of my XXXX because I do not have a cell phone.
EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.
I received several phone calls on my cell phone. I talked with someone and they starting talking abusive to me, threatening to have me arrested, and threatening to file felony charges against me. Then they started calling my job and started threatening to call HR and let them know all the details of my loan. I asked them not to call my job anymore. So they continue to call my job and threaten to suspend my license. They called my job again and told them that it was a emergency and that they needed to talk to me right away. When the person that answered told them that I wasn't in my office and that I was busy on the floor they refused to hang up and said that they would hold until I got finished. They told her that they needed to fax over paper work and it would contain my social security number. They Lied and said they had filed a claim in court and gave me a court number but when I called the court there was nothing there.
I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.
Wells Fargo, XXXX, XXXX and XXXX have a disconnect that results in a severe bias in all XXXX of my credit histories. The bureaus show no record of an existing WF Home Equity Line of Credit on my home. There is therefore no record of my timely payments. 
The lack of this record of timely payment of mortgage debt obligation severely depresses by credit score and unfairly interferes with my ability to refinance my home by creating a higher interest rate. 
I filed for CH XXXX bankruptcy in XX/XX/XXXX. During the bankruptcy period, the reporting of this debt stopped. This I believe is in accordance with federal law. No problem. 
I completed this bankruptcy early .... discharged XXXX The reporting of this debt should have resumed at that time ; the recording of that debt should have also resumed at that time. 
I have attempted XXXX times to have Wells Fargo begin reporting the last 12 to 24 months of payments on this account with the original loan creation date, about 10 years ago. It still does not show on any credit report. 
I have attempted twice, direct to each of the bureaus, to have this matter corrected. I received varied responses but ... ... .the mortgage and history do not show on any credit report. 
First my credit ratings are penalized for having filed CH XXXX ... ... that is a public record derogatory that depresses my credit rating. Understandable and fair. 
But to deny me the benefit of my timely HELOC payments since my bankruptcy is unacceptable! 
Wells Fargo states they can not report my account since " it was discharged in bankruptcy ''. The payment to WF through the bankruptcy trustee was terminated when the bankruptcy was discharged. The loan was not discharged in bankruptcy. Proof : I still receive and pay a monthly invoice for this account that goes unreported. 
If a collusive practice among banks to also not report post-bankruptcy mortgages, this ( if not ) should be illegal. I make this statement as I 've had similar problem with XXXX. ] I simply want my credit histories corrected.
i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, XXXX and Trans Union credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.
Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Late Over 120 Days and Collection. I am unaware of Late over 120 Days and collection. 
Please validate this information with XXXX, XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
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. 

The inquiries not belonging to me are XXXX XXXX/XXXX/2015, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

My name is XXXX XXXX XXXX. My name is NOT XXXX XXXX XXXX, XXXX. I reside at XXXX XXXX XXXX , XXXX XXXX, GA XXXX. I will fax my Driver 's License, SS Card and Utility bill. 
Please update my report and remove the highlighted accounts and inquiries.
My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.
On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be removed
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.
I FIle a dispute with XXXX XXXX XXXX, as they have a Report from Honda financial there. Honda and I had a dispute for a car got into an accident which Honda sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash.

I disute with Honda through XXXX and was at the middle of trying to negotiating, I did offer Honda to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. Honda Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO XXXX THAT Honda needs to delete everything from my credit report as they sold this account and XXXX   has not removed it. 

Honda needs to remove it as it is ilegal to remove it also Thank you
Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions
Since XX/XX/2018, I have received repeated calls to my home and work from Midland Credit Management , Inc. concerning a XXXX  Account. I have asked them to provide me with following to support the allege debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting / statement of payments with interest, fees. This information has not been received and the repeated calls continue to be excessive and is jeopardizing my employment.
I have contacted Experian about three weeks ago disputing several items on my report. Today I received a notice from the company indicating that my credit score and worthiness changed. This is from the same companies. This is the same for the other XXXX reporting agencies.