WillisBack/dataset-financial-user-claim huggingface dataset:
The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.
Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''
I got a alert stating that Experian place a fraud alert on my report, ( XX/XX/2014 ) i call and ask them why was the fraud alert on, so the rep told me he was pass on by XXXX  and XXXX  and the only way they can take it off of i mail in my id with a letter asking to remove, so i call XXXX  and XXXX  directly after Experian told me that one of the other bureau reported it, they both stated no they dont know where Experian get that from and that i have no fraud alert on neither other report
I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.
I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.
-They are trying to get me to give them my social security number and other personal information. I want them to stop harassing by phone. 
- Also, I am concerned that they might have recorded me without my consent, which is a felony in my state.
I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES ABOUT THESE FRAUD CHARGES ON MY ACCOUNT BACK WHEN I SAW THEM ON MY STATEMENTS AND THEY DID NOTHING FOR ME.. I HAVE BEEN RECENTLY CONTACTING BANK OF AMERICA FRAUD DEPT AND SPOKE TO SEVERAL REPS AND THEY ARE NOW TELLING ME I CANT REPORT FRAUD BECAUSE THEY ARE TOO OLD BUT I REPORTED THE CHARGES WHEN THEY FIRST WERE PUT ON MY CARD AND THEY DID NOTHING.. SO NOW I AM FILING AGAINST BANK OF AMERICA ... I WILL LIST THE CHARGES FOR YOU TO SEE.. 
XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX THE CHARGES WERE PUT ON A OLD CARD ENDING IN XXXX MY NEW CARD # XXXX PLEASE HELP ME GET MY MONEY BACK. BANK OF AMERICA SHOULD BACK ME AS A CLIENT AND THEY DID NOT.. THIS IS SENIOR CITIZEN ABUSE .. I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES AT ALL, I NEVER AUTHORIZED THESE TRANSACTIONS AT ALL.. PLEASE HELP ME
I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
This creditor shows up as original creditor being owed on all  XXXX  of my credit reporting when it was sold to collection agency. They can no longer report this debt as theirs and the company will not remove from my reporting. I 've worked with them through all  XXXX  credit agencies and they will acknowledge this debt as paid in collections. Please help me.
I had a payment due in the amount of {$54.00} due XXXX XXXX, 2017. I paid said payment over the phone on XXXX XXXX, 2017. Chase credit cards automated payment system confirmed the payment was made. But days later i received a telephone call saying the payment was returned because the automated system got my bank information wrong. I checked my bank account the funds were still there. ( So it was n't due to lack of funds ) chase had just got my info wrong. So i called customer service 3 different times and tried to reason with them because my new statement is for {$180.00} because they charged me the XXXX that they never got because they got the bank info wrong, a XXXX late fee and XXXX in interest plus the next months payment of {$54.00} this was a mess up on their end of which they have admitted fault for in the past and had to fix but this time they refuse to work with me even though the whole issue is that their automated system got my bank information wrong and they charged me fees and interest as a result.
XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.
Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
I am working on rebuilding my credit to become a home owner again. There are two hard inquiries reporting on Equifax that I do not recognize. I am not sure who to contact because it describes it as XXXX Miscellaneous Reptg. Agencies. Once on XX/XX/2018 and once on XX/XX/2018 from the same company. I do not remember giving anyone permission to pull any credit report this year at all.
There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.
I paid off the whole balance of my credit card for capital one and I was told once I paid the balance off in full the credit line would be available by XXXX2017 and when I called to verify the check had been processed they transfer my account to fraud and then I was told that I would not have the credit line for 25 days and I told them that I was not told of this the agent I spoke with also was told that there is not fraud on my account but the account had not been taken out of fraud and they told me that there nothing more they can do even after being promised the line would be good by XXXX -XXXX-2017
I have sent {$360.00} to a PayPal user : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me.
Back in XX/XX/XXXXI suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.
I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy
i ordered computer parts and payed with my paypal account. when i clicked the summit button it said thank you for using pay pal credit. i know i did n't sign up for paypal credit the money was taken out of my regular paypal account they are duping people into believing they signed up for it by mistake.i have ordered many times from paypal and i know i filled out the forms correctly. and when i clicked the summit button to transfer money from paypal to XXXX it magically turned up saying thank you for using paypal credit ... .if i used paypal credit why was the money taken out of my regular paypal account?
With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.
I purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. 

The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. 

I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on flight.
Asked various times for validation of this supposed debt to include original documentation showing I owe this debt without any response from debt collector. I have also sent disputes to credit agemcy whonsay they have verified but cant get any documentation from debt collector. Under FCRA they are required to provide original documents to prove I owe this debt and if they arent able to must by law remove supposed debt from my credit report as it is effecting me obtaining credit, auto loans, mortgage, etc.
Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately : Account : XXXX  XXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXX XXXX : never been in this state
I have requested 3 times that Transunion and XXXX investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with Transunion and XXXX with no results. So the credit agency 's are not removing these inquiry 's. These are Transunions : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Good Afternoon, I signed up for a promotional offer or a Citi Gold checking account from Citi Bank for XXXX XXXX XXXX Miles. I met all the terms of the promotional offer which was confirmed through secure messaging on Citi 's website. It was confirmed I met the terms through 2 different representatives in 2 different secure messages. All along I have been paying $ XXXX monthly fee in the hopes the XXXX XXXX miles would post to my account as advertised. This has cost me additional money, with no promotional reward to offset these fees.
Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.
XXXX has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that PENTAGON FEDERAL CREwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX. 

I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call. 

I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.
I took out a loan with Bank of America. They called Bank Americard the credit card division and got the payoff amount on an open credit card. On XX/XX/XXXX Bank Americard posted a payment for XXXX to my account. This was the amount provided as a payoff amount through the end of XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for additional interest in the amount of {$250.00}. The bill indicated it was for the period XX/XX/XXXX-XX/XX/XXXX. It stated the balances subject to Interest Rate were : {$6800.00} at 14.24 % and {$14000.00} at $ 14.24 %. I do not disagree with owing additional interest. However, I performed the calculations to compute the daily rate and found that they computed interest on a 31 day cycle ( XX/XX/XXXX-XX/XX/XXXX ) rather than a 21 day cycle ( through the payment date on XX/XX/XXXX ). They state I owe {$250.00}. That would be the amount for interest at 31 days. At 21 days the amount is {$170.00}. I called the Customer Service line and was first told the balance subject to interest was not the amount subject to interest. Then they insisted the charge was correct. Then they put me on hold for over ten minutes to compute the rate outside of the computer and disconnected me. I called back and spoke with another representative. They simply insist their calculations are correct. I asked to speak with someone who could actually go through the calculations again with me and was told the amounts are right and there is no one I can speak with. I told them that I am questioning whether they overcharge every person who pays of their credit card.
XX/XX/18 opened account and checking account with XXXX. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to XXXX she couldnt give me any more information or escalate my call.
I h ad 2 o riginal loans totaling {$43000.00}. I have paid {$55000.00} to date and my current balance for these loans is {$50000.00}. I know that there is interest associated with any loan, but I believe something is not right here. At my current repayment rate of {$460.00} per month, these loans will be paid off in  XXXX  of  XXXX , which is in 15 years. If my current repayment rate continues, I will have paid an additional  XXXX  for a total of {$130000.00}, or over 3 times the amount of my original loans. In addition, I will be  XXXX   XXXX   XXXX  at that point and finally paying off my student loans!