WillisBack/dataset-financial-user-claim huggingface dataset:
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
XXXX XXXX XXXX dated XXXX/XXXX/XXXX, file number XXXX, letter states that I 'D Theft Afidavit from Police Report, and does not meet their standards as a valid Identity Theft Report. XXXX XXXX and XXXX, accept the information as well as resolved the issue, why would XXXX XXXX have a different standard, and not except the same information that has been approved and processed by other CRA 's
Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.
I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
I received a notification from CCI,  Contract Callers Inc. indicating I had an alleged debt with this company. A certified request was sent to this company to validate this debt and no other communication was received from them. As of this Friday, XX/XX/18 this company reported this debt to my credit profile without proper validation.
I AM A VICTIM OF IDENTITY THEFT AND I NOTIFIED EXPERIAN THAT THERE IS A ACCOUNT ON MY REPORT BACK IN XXXX, ( XXXX XXXX/XXXX ) THAT I DONT OWN OR OWE I REQUESTED IT BE BLOCKED FROM MY ACCOUNT SENT THE EXPERIAN CREDIT BUREAU ALL REPORTS AND POLICE REPORT FOR IDENTITY THEFT, THEY TOOK IT OFF OR BLOCKED IT AND NOW THIS MONTH IT WAS PUT BACK ON MY REPORT, I CALLED THEM UP AND SAID WHY IS IT BACK AND THEY CLAIM THE COMPANY CALLED IN TO UN-BLOCK IT. SO THEY DID. THIS ACCOUNT IS NOT MINE AND DEMAND IT BE REMOVED FROM MY FILE IMMEDIATELY, AS I AM NOT PAYING IT OR RECEIVING INVOICES AND IT IS NOW SHOWING LATE AND HURTING MY CREDIT, WHEN IT ISNT EVEN MY ACCOUNT. SO I WANT THIS ACCOUNT IMMEDIATELY BLOCKED FROM MY CREDIT FILE.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!
XX/XX/XXXX I was unable to make house payments. I did paperwork with Flagstar Bank to conduct a short sale. We had aprox XXXX-XXXX offers the bank never responded to any of them. Then I did the Deed In lieu paperwork XX/XX/XXXX. The bank has seem to have accepted the home but did not change the property out of my name. The bank has been paying the property tax on the home since XX/XX/XXXX. This bank has substandard customer service. I have to do forms multiple times. I am XXXX to XXXX in 3 weeks and I need this issue resolved asap.
I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext XXXX
XXXX bank in Michigan refuses to cash a check drawn off their bank to a non customer unless the customer opens an account called XXXX. I have proper state issued drivers licenses and XXXX other forms of acceptable governmental ID. I do n't bank with them nor do i ever plan to but they should be required to honor checks written from their customers to others. I was told it was a federal regulation that required me to open this XXXX account. When I asked what federal regulation stated that " i am in banking and know every regulation like the XXXX '' I was told well we dont know but its a federal regulation and you MUST open this account.
On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my credit report.
Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX account number XXXX, date opened, XX/XX/XXXX. 
Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated because in accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.
On XXXX. XXXX, XXXX, I emailed a letter, dated XXXX, XXXX, copy attached as Exh. XXXX, to XXXX XXXX XXXX, Dedicated Loan Specialist, Nationstar Mortgage , LLC ( " Nationstar '' ) ( XXXX, Ext. XXXX. Nationstar is the servicer for XXXX, which is the secured creditor whose loan is secured by a deed of trust lien on my rental property known as XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property '' ). On XXXX XXXX, XXXX, the Bankruptcy Court issued an Order Granting me a Chapter XXXX Discharge of my debts ( Docket No. XXXX ) in Case No. XXXX, XXXX Bankruptcy Court for the District of XXXX, XXXX Division. Accordingly, I do not owe any amount to Nationstar. As stated in my XXXX XXXX, XXXX letter to Nationstar, although XXXX granted me a streamline modification, " it is clear that the terms of the streamline modification are unworkable and unrealistic. '' The monthly mortgage payment amount of {$3300.00}, which was computed by Nationstar based on a principal amount of {$600000.00} and amortized over a forty year term, clearly is unreasonably high. The {$600000.00} principal amount, in light of the {$260000.00} fair market value of the property which was agreed to by Fannie Mae in XXXX XXXX in my prior Chapter XXXX bankruptcy case, is completely unreasonable. Based on the property 's age of XXXX years and the conditions of the Property stated in the attached copy of XXXX XXXX XXXX XXXX 's Report, there is significant costly work which is needed to be performed to correct the serious issues with the conditions of the Property. 
Since my XXXX XXXX letter offer, I have decided that my XXXX XXXX XXXX property is pivotal to the financial health of my residential rental property business. If I were to be unable to reach a reasonable modification agreement with Fannie Mae, Nationstar 's client, I will have no choice but to file a Chapter XXXX proceeding. Accordingly, in an effort to preclude the need to go into a Chapter XXXX proceeding, I have decided to raise certain of the proposed terms of my XXXX XXXX loan modification proposal. The terms of my new loan modification proposal, which are set forth in the attached XXXX. XXXX, XXXX letter, are as follows : 1. The new current principal balance would be {$350000.00}, instead of {$260000.00}, as stated in my XXXX XXXX letter. 
2. The term of the loan would remain at 30 years. 
3. The annual interest rate would remain fixed at.4.5 %. 
4. The monthly principal and interest payment would be {$1700.00} with the first monthly payment to be made on XXXX XXXX, XXXX. 
5. The new monthly mortgage loan payment shall be comprised of the new monthly mortgage principal and interest payment of {$1700.00} and the appropriate monthly escrow amounts for real property taxes and for insurance. 

It is important to note that Fannie Mae, Nationstar 's client, was in agreement, going into the XXXX XXXX, XXXX Confirmation Hearing in my prior Chapter XXXX Case No. XXXX, that the value of the XXXX XXXX XXXX property was {$260000.00}. 

I believe that this new loan modification proposal is fair and reasonable under all the circumstances and that the proposal benefits both Fannie Mae and my business.
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.
Most if not all accounts in question are paid off, and closed, yet the credit reports not showing this, which cause my credit score to remain very low.
I recently signed up to check my credit reportings, and everything looks fine except for a hard inquiry from Chase bank. This seemed strange to me because I never applied for a Chase credit card or debit card for that matter, I've always had XXXX XXXX XXXX.

The inquiry is from XX/XX/2016.

I had a good amount of credit limit with XXXX XXXX XXXX so there would've been no reason for me to apply for a Chase card. I went into a Chase bank to get this resolved after I found out but they did not want to help me. I get that this is a 2-year-old inquiry, but I would like it off, I did not apply for one, and also this is hurting my credit score.

I also plan on getting a new credit card, which this Chase inquiry will hurt my score.
On XX/XX/XXXX, I received notification from XXXX XXXX that Equifax is reporting a XXXX XXXX inquiry on my credit report. The unknown inquiry was made on XX/XX/XXXX. I did not authorize such inquiry or apply for any credit recently with XXXX. I tried to dispute this inquiry through Equifax online and I was directed to visit https : //www.ai.equifax.com/ and it took me to a blank page, therefore, I was unable to dispute this inquiry through Equifax.
I received an offer letter stating that I was pre-selected for a personal loan ranging " from {$3500.00} to {$40000.00} '' and provided me with a special code to use to accept the loan offer. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-selected '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter. They even stated in response that my offer had " expired, '' even though I provided my offer acceptance code online to them before the deadline. This appears to have just been a scam to entice people to submit loan applications they otherwise would not have.
On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.
I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.
I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing me.
Naviant failed to adequately inform me when successfully enrolled in an income-driven repayment plan of critical deadlines or the consequences. They also didnt make me aware of the dates in which i had to reapply.
I have made several attempts to have the remark/comment removed from my credit report disputing the account. The account was first disputed through XXXX for the balance and they did send me supporting documentation proving that I owed the debt. XXXX XXXX XXXX has been receiving payments made through XXXX until I recently started making payments to their website. However, I have made several calls to them in regards and provided letters that I am no longer disputing this account and to removed the remark from all three credit reporting companies as they are currently being paid. This is the response back from Experian " XPN We are unable to remove the dispute comment as requested for XXXX XXXX as the creditor has verified that it should remain on file XXXX/XXXX/15. Phone verification attempted but per XXXX at XXXX no information was given without consumer authorization. We have initiated a dispute to verify information with the creditor once more. The consumer will receive the results within XXXX days. A letter from the creditor authorizing removal of the comment would also be acceptable. " XXXX XXXX XXXX keeps stating it is not them but Experian and I do n't know what else to do at this point.
I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's credit file.
Midland funding has XXXX accounts on my credit reports and they constantly update these accounts as if they are valid and new every month they re-age these accounts I 've tried many times to dispute and delete to no avail. I 'm trying to buy a home and these are not valid or current items