WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
OnXX/XX/XXXXXX/XX/2017. I requested a verification and proof of a collection that was place on my credit which I didnt know about. The collection agency did not provide enough proof that the collection is mine. I will upload a proof of what they send me.
My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare.
I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX has a XXXX number and is easily able to be reached while XXXX is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my XXXX file such as Sustematic collections it goes on my XXXX report. I am noticing this through XXXX XXXX because I dont have access to anything at XXXX. This is MY information. I also filed for bankruptcy XX/XX/2018, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/2018. I talked to a XXXX official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. XXXX should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
To Whom It May Concern : I received an alert from Experian, XXXX  and XXXX  about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response that clearly violates my rights according to XXXX. 

XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX XXXX XXXX
I was charged points on final HUD that were never disclosed to me. When I received final HUD XXXX hours before closing I immediately called my mortgage broker but he was unreachable. The following business day I followed up and pressed him about the points, he told me his " disclosure department '' should have sent me the updated Good Faith Estimate and disclosures XXXX before on the date the rate was locked. These were never sent to me and he could not produce any evidence that there was any attempt to send them.
I have received another demand lette r, ( {$6400.00} ) t his time from  XXXX   XXXX , for a debt that was settled ov er three deca des ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.  <P/> I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  at  XXXX .
this is my second communication. I filed initial complaint last week. please see the record for case number. I have filed appeals paperwork with my lender for HAMP Denial. My servicer has not acknowledged receipt of the paperwork nor have contacted me. I have left several messages for my account manager and they have all been ignored. The decline letter I received was dated XXXX XXXX, 2016 in which I was given 30 days to file an appeal. That 30 days is over on XXXX XXXX, 2016. the time is approaching fast. although I have sent all the paperwork to them within the timeframe allowed, they have not started any process from their side. I am afraid that they will claim that they never received my paperwork for an appeal and, will close my case. I really need your help in resolving this. a copy of his appeal was also sent to you last week. Thank you
We requested the local XXXX dealership to contact XXXX XXXX to see if we qualified for a loan. We stated we only wanted one inquiry on our reports and they claimed they only pulled a soft inquiry at the dealership. When I showed them that each of our reports had hard inquiries on them, they apologized and tried to have each credit bureau remove them. They suggested that I take this route to file a complaint to achieve this goal.
I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.
Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.
I include attachment for successful purchase from Coinbase online Coinbase.com for XX/XX/XXXX using my XXXX XXXX ending in XXXX. I am including an attachment showing Coinbase rejecting same card XX/XX/XXXX and another for XX/XX/XXXX. I submitted tickets to question why I was able to use this card for a {$3000.00} purchase the same day to an investor. My bank in each case said that there is not a problem with my card account. Coinbase has complaints about these problems and they will not tell me why I can use this card for hundreds of dollars of purchases with XXXX online and they are rejecting it. I tried another bankcard ending in XXXX and they rejected it also. Coinbase has a XXXX option but unlike all others do n't allow BUY selection only SELL selection. They claim I ca n't send them a cashier 's check. So I purchased a {$150.00} prepaid XXXX XXXX gift card and when I entered it they state their policy is not to honor prepaid cards. I finally got through on their ( XXXX ) XXXX custmer service and asked XXXX why they had not solved my XX/XX/XXXX ticket and he said they have millions of backed up emails to solve. I need their product in order to use a {$3000.00} product and I had already done business with them in XX/XX/XXXX successfully with the XXXX card.
On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.
XXXX XXXX has been harassing me over an account that has not nor did it ever belong to me. It belonged to someone who lived in my house by another name. They can't find the gentleman and now they have turned the debt over into my name with 5 different collection agencies and with all three credit reporting agencies over the last 6 years. Each agency has investigated it to find that what I speak is true and they remove it only to find it pop up again under another name and another anount. This is ridiculous and it is ruining my credit score. I am sick of it!!!!
We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.
On XX/XX/XXXX I received a letter that I have a balance due in the amount of {$30.00}, I called them, because it is weird, I have automatic payment with them ( No with my bank ), and they told me 1 time that I called, that I made payment late, and the other customer representative said me that at the beginning of the contract my amount is {$490.00}. some thing, that it is not real because at the beginning of the contract in XXXX or XX/XX/XXXX, my monthly payment was of {$450.00} something. after my county increase the sales Taxes ( This one is my other question, They can change my monthly payment that was agreed when we signed the Lease contract in XXXX because the sales tax was increase in XXXX??? ) they change my monthly payment fr. {$450.00} something to {$480.00}, and they start to debit this amount, Now I have a supposed balance due in the amount of {$32.00} something because was change from the date of the letter to now for Late Fee ... and the Customer Representative told me that the amount of {$490.00} something is the amount at the beginning of the contract. So after that I called for 4th time  and they told me that the supervisor will call me ... But I feel really upset with this company, I feel deceived and abused. This is the reason that I was motived to contact you.
I requested for an investigation because the accounts don't belong to me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX ) ASAP
I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. 
On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. 
I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. 
He first refused to allow me to record the conversation for my clarification purposes. 
I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. 
XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. 
Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. 
These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. 
I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. 
I have provided the information to private legal counsel as well to assist with recommended actions.
Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}
Rushmore Loan ( servicer ) and XXXX ( alleged Investor ) claiming to somehow have a vested interest in my property located at XXXX XXXX XXXX, XXXX NY XXXX. Have entered and illegal sale date on my property for XX/XX/2018. 
Under The Federal Housing Act, all loans are covered by mortgage insurance. My property was insured, the insurance premiums were paid, and yet I have been defrauded. There has been an active engagement in constructive fraud by the mortgage insurance company and the financial institution against myself as a consumer. 

I am requesting information : *On how mortgage insurance paid out? 
*When the claim was made? 
*and who got the monies? 

The consumer protection laws are there to assist individuals such as myself when are harmed as a result of unscrupulous activities. 
The mortgage on my loan was not on my home, the mortgage was on the loan. The lien was on the home! I believe based on the aforementioned laws that the financial institutions have been duly compensated, in fact our agreement was that the home was not a collateral for a loan i.e. I use the loan to acquired a home, and until I acquired the home, the home was not mine for me collateralize, meaning that I could never place something I do not have the ownership as collateral. The mortgage-back security agreement permitted and /or allowed financial institutions to trade my property on the market in lieu of payment for the loan, because the stock market investments are construed as a risk, I agree to allow my home to be used as collateral in place should the financial institution did not receive the benefits of such transaction on the market. I forwarded my interest that was due to me as a result of my being a trust interest holder and an investor on that mortgage-backed security, so that those receipts would be applied to the balance of the account, this did not happened. 

I also have been giving information that the financial institution has received tax credits and other benefits as a result of charging off the account, yet those credits and or adjustments have not been applied to the account as is cognizable under Gen. accounting procedure. The failure on the part of the financial institution and or the securitization trustee to keep accurate accounting has resulted in in my being harmed, and I hereby protest such actions and interactions as a result of it being a violation my due process rights. 
The financial institution was asked to give a complete comprehensive accounting. Staments as proof there was some exchange form of value proving this financial institution are the owners of due cause, and their proof of tax registration certificate. I am by law entitled to a complete comprehensive accounting, and all of the others requested documents.
Hello, How are you? 

I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. 

Thank you!
I had a dormant account with Bank of America. Bank of America continued to charge monthly maintenance fees until the account was empty. After the account reached {$0.00} balance, Bank of America charged maintenance fees rather than close the account - leaving me with fees to be paid. Bank of America has threatened to send to collections for payment of fees rather than simply close the account when the account ended at {$0.00}. I contacted Bank of America at XXXX ET on X/XX/2017. Bank of America Representatives transferred me to a department and I was disconnected.