WillisBack/dataset-financial-user-claim huggingface dataset:
I 've disputed the account/item ( XXXX listed in collections ) with the credit bureau EQUIFAX ; they claimed to have verified the account/item but have not provided the specific details of their method of verification. I also filed a CFPB complaint ( CASE- XXXX ) on the collection agency XX/XX/2017. XXXX replied to complaint and admitted that they did not have an account for me with my information provided. As of today 's date XX/XX/2017 EQUIFAX is still erroneously reporting this account/item.
I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.
I have a dispute with Bank of America ( Claim # XXXX ) over charges made to my credit card by a company called XXXX XXXX XXXX, that the Federal Trade Commission along with the Minnesota Attorney General has shut down as a scam. The merchant charged {$490.00} on XX/XX/2018 for a 3 day workshop I attended on how to sell and make money on XXXX. At that workshop they convinced me of an up-charge offer of an education and assistance program to become a successful XXXXXXXX XXXX. On XX/XX/2018, at this workshop, they charged my Bank of America credit card a {$15000.00} deposit for their program, which costs {$34000.00} total. But on XX/XX/2018, I received a partial refund of {$5000.00} because they needed to lower my debt to credit line ratio so that I could acquire a few more interest-free credit cards to make my full payment to XXXX XXXX and start my XXXX XXXX XXXX. So Seed Capital was utilized for getting me other lines of credit. However, before I could even get all the funding together and start the XXXX training that was offered by XXXX XXXX, the FTC shut them down on XX/XX/2018 as an illegitimate scam operation. I then opened a dispute against the charges to my credit card account with Bank of America. They gave me a deadline of XX/XX/2018 to provide verification. A week before that date, I mailed to the bank a 2-page letter explaining everything, and included all the documentation I could gather, which consisted of the XXXX XXXX contract pages with the services they offered and the length of time for their services, and I sent a copy of the FTC injunction against XXXX XXXX that shut them down. On XX/XX/2018, Bank of America denied my dispute claim for a partial refund of the XXXX XXXX charges. Their reason was that I did not submit a cancellation letter from XXXX XXXX. I am unable to get such a letter from them because they have shut down all operations and are not responding or receiving any phone calls, letters, or emails. In addition, Bank of America rejected my dispute stating that they will not give me credit for services that the merchant has scheduled to provide me at a future date. This is not even possible now that the FTC and Minnesota Attorney General has shut them down completely. Even if the merchant were to somehow beat the injunction against them, the fact that the XXXX gave them an F rating tells me all I need to know that this is a scam operation. I have wasted hours of my time and money to try to get this resolved in my favor. I have asked the FTC to please provide to Bank of America some other proof, like a cancellation document, that XXXX XXXX is closed down by them, but I don't know if they will do that. My FTC Complaint Number is XXXX.
I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE
XXXX and Equifax also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I applied for an FHA refinance on my home with possible cash out for home improvements at the end of XXXX XXXX through XXXX XXXX XXXX. I currently have a land contract which has a balloon payment due in XXXX XXXX. It took until XXXX XXXX until I was approved for the refinance. Then we had to get the approval for the cash out. The underwriters through Flagstar Bank started to ask for clarification and more paperwork, some of which had already been explained and/or sent to them. This went on for XXXX months. On XXXX XXXX, XXXX, XXXX XXXX XXXX advised us that Flagstar Bank had denied our refinance. This has caused us significant hardship because we are under a time limit due to the land contract balloon payment being due In XXXX XXXX. I feel XXXX months is excessively long to wait for a decision on a refinance. I had the necessary credit score. If they would have given me their decision in a more reasonable time frame, I would have been able to correct the issues that caused them to deny the loan. Now I have less than a year to correct the issues and try to refinance the home. This is causing me significant hardship due to this delay.
I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. 
XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.
There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
They have called my cell XXXX times and only let the phone ring XXXX before hanging up.
A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.
With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.
We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX
XXXX XXXX XXXX is reporting negative and inaccurate information about my mortgage account like : ( late payments, short payments ) This information has negatively impacted by credit score and credibility. This is not the first time XXXX XXXX XXXX has reported inaccurate information, back in 2014 I had to dispute with all XXXX major credit BUREAU 'S because XXXX reported my mortgage loan as a foreclosure. This inaccurate information caused me to get denied credit from XXXX XXXX in desperate times.
My Loans are over 20 years old, they were with XXXX XXXX XXXX that sold them to XXXX XXXX or Navient. They are at this highest level they have ever been. I am almost XXXX years old and have no way to pay these back?
Help After 20 Years?
Thank You XXXX XXXX
I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.
I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.
I have requested Experian to investigate the inaccuracy of account XXXX XXXX XXXX. The XXXX XXXX account is reporting inaccurate account information the last payment date and the date the account closed date are not shown. The date the account opened states XX/XX/XXXX. The consumer statement is not accurate I did not make a statement. The last date of activity is XX/XX/XXXX. It has been over seven years of credit reporting. Experian only reports the date opened. XXXX XXXX is the original creditor and did not sell or transfer the account. I can continue with the validation process however, this issue can be resolve by deleting this inaccurate trade line due to the only date of activity shown is XX/XX/XXXX and that date has past the legal reporting time.
To Whom It May Concern : I had filed a dispute with all 3 credit bureaus ; XXXX, Equifax, and XXXX. I was a victim of identity fraud and completed disputes to those accounts created without my knowledge and with my stolen information. I filed a police report, and submitted all paper work as requested. XXXX  and XXXX were great and helped me step by step and made sure my credit reporting was correct, and deleted all fraudulent account. Equifax on the other hand are not deleting fraud accounts and stating they are mine, when in fact my information and identity was stolen. Instead of trying to help me, they tried to sell me products to monitor my report. I have a police report, I am a victim, and this company is not trying to help me. How is all the same information available to all credit bureaus but Equifax keeps insisting it is my account. It is very upsetting, and no one is helping me. On another note their website doesn't even let me log into to check my dispute because they keep stating im answering my security questions incorrectly. IF FRAUD WAS DONE ON MY ACCOUNT how am I suppose to know what accounts were open.
The XXXX XXXX XXXX is threatening to garnish wages. They already took my tax return but never let us know that they did it. I am still not seeing it as a reduction in what I owe them. It was most {$3000.00}. My debt has been sent to XXXX XXXX XXXX. Instead of trying to work with me on coming up with a payment I could live with, they are threatening garnishment. They also have huge interest charges every month so it is impossible to pay the debt off. I feel that the only way to get away from this company, is to file bankruptcy. The military star is ruining peoples lives. They are abusing the system. The government needs to look at their debt collection tactics.
Ever since I moved into my apartment, I have been receiving the same junk mail from Chase Bank. I have called repeatedly to request to be removed from their mailing list and also requested to be placed on a do not mail list. Every time one of their representatives would assure me that everything has been taken care of. However, without fail every month, I will still receive the exact same piece of junk mail advertising their promotion to get {$500.00} if I open an account with them. Every time I call them to complain, they either give me false assurances or they redirect me to another phone number and line, but they refuse to address the issue at hand.
I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.
I initiated a dispute with TRANSUNION last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

TRANSUNION has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **