WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a bankruptcy on my credit reports back in the begging of the year. OnXX/XX/XXXX I sent a letter to the Georgia Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to  the Credit Reporting Agencies ( XXXX, Transunion, and XXXX ). I received a letter back from the court onXX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).
Same company, same issue - holding funds and making up rules as they go along. - BBT The is the second complaint we have had to file in regards to BBT not releasing funds for repairs. First issue, we were told we HAD to use a contractor. Not true. They granted an exemption after the first complaint was file and forwarded the first set of funds so we could start repairing our home from the flood ( hurricane XXXX ). We were told to contact BBT to set up an inspection by one of their inspectors. We did so approximately two weeks ago and the BBT inspector stated and reported to BBT that were are 90 % complete. We called today XXXX/XXXX/17 to verify that they have received the report and would send the additional funds. After speaking with XXXX again, they now stated we need to provide receipts for the repairs that their inspector verified and photographed the work was completed at 90 %. We asked BBT to provide documentation stating where we were required to provide receipts as they have NEVER disclosed this before. It is very obvious they keep making up the rules as they go. The only document we have from them states once the job is 50 % complete they will release the remaining funds. Once again, we asked for XXXX XXXX as she is a supervisor in processing department and her superior XXXX XXXX - still have not heard anything back as of today and waited on hold for over 1 and a half hours. These are the same two people that lied to us before and stated they were over-nighting the first check of which they did NOT as we received the check 4 days later - XXXX tracking # XXXX. If they are doing this to us, how many other people are they doing this to as well. There needs to be a full investigation/audit of the loss draft department. At this point they have not released our funds and are now requiring us to submit receipts? even though they told us their inspector had to come out and take photos and show the repairs have been complete to 90 %. As of the end of this week, we will be 100 % complete with repairs and have already requested BBT 's final inspection and hope that they will be able to provide us with documentation stating that the repairs are 100 % complete and they have been satisfied. I am still waiting on future checks from the insurance company and I would like to provide them with the document stating the checks can be made out directly to me and BBT has been 100 % satisfied. The process of having to take it to one location to have someone sign off on the check, just delays the process even longer and allows BBT to hold my money even longer. Thanks for your help in rectifying this situation and hope to protect other consumers that are being faced with this same situation. There needs to be a documented process and these problems and complaints would not happen.
on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX
on XX/XX/2017 XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX - GA XXXX phone XXXX pulled my credit information from the 3 main credit Bureau without my CONSENT and my knowledge. Causing my credit score to lower points I had a previous dispute with them in the BBB and personally. 
XXXX XXXX XXXX has over 400 complaints n the BBB and also on the consumer page of Claims and complaints. 
How can you allow a company with over 400 complaints to continue harming consumers?? 
ONE cOMLAINT SHOULD BE ENOUGHT FOR them to be investigated. 
IThey had no right to pull my credit and it is a violation of federal laws to pull people credit without their consent and a violation of my privacy Thank you XXXX XXXX XXXX XXXX
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes
The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.
I called Navy FCU to get a quote on interest rates for a 30 year fixed VA loan. 
They told me they could only give me their published rate off their website 3.125 % with XXXX point and XXXX origination. 
I told them I would like to look a less expensive option. 
They told me unless I was a member they would not give me rates They told me to go to XXXX and buy a XXXX day membership then they would talk to me. 
As a Veteran and a borrower I should not have to buy a membership to get a quote. I had already told them I was eligible for membership but did not want to open an account till I knew if I wanted them to do my loan. XXXX was very XXXX and by his tone was clearly telling me " O WELL '' I had called the week before and had gotten the Quotes I had requested. 
Needless to say I was very irritated.
Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
XXXX XXXX
XXXX XXXX XXXX is fraudulently reporting an installment account to my credit report and this is a violation of FDCPA. I have never requested a loan or credit, nor am I liable for any debt to XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, or any factoring company.
XXXX # XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 
This which you DECLINED. I sent info for Exquifax or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 
If they had investigated properly, no XXXX system thank you, they ( Third Party Collections Companies ) would have known, that these accounts were not accurate.
XXXX  XXXX 1 ) XXXX Report Account # XXXX Original XX/XX/XXXX Account Status Closed Payment Status ******* Paid, XXXX balance ******** Status Updated XX/XX/XXXX 2 ) Equifax Report, Account # XXXX Original Creditor Date OpenedXX/XX/XXXXAccount Status Closed Payment Status Pays account as agreed Status Updated XX/XX/XXXX Usage Balance {$0.00} Balance Updated XX/XX/XXXX3 ) Transunion shows derogatory and a charge off. 
Account # XXXX Original Creditor Company Sold Account Type Installment account Date OpenedXX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXXPlease update the credit report with Transunion as this account is in good standing. I paid as agreed and I should not have a derogatory mark on my report. 
XX/XX/XXXX Thank you, XXXX XXXX XXXX
We feel like we are being scammed out of our home. Rushmore Loan Management Services and law firm XXXX XXXX XXXX, XXXX. are trying to foreclose on our home. We completed a chapter XXXX discharge in XX/XX/XXXX. Neither of them had nothing to do with the bankcruptcy process. After the discharge was complete we started getting contact from Rushmore Loan Management. We told them that we owed them nothing and reported this information to our attorney. They tried to bully us into a modification. We said no. They sent us paperwork anyway saying we had a modification ( attached ) .XXXX again, we informed our attorney. Later we got a letter from XXXX XXXX XXXX saying they would foreclose and kept getting information saying we owe money from Rushmore Loan Management ( attached ). 
We received a lettter from XXXX XXXX XXXX saying that our house would be sold on the courthouse steps on XX/XX/XXXX ( attached ). On Monday XX/XX/XXXX someone from XXXX Foreclosures left a notice on our door. ( attached ). We did not get any legal documentation saying that they had went through the court system. Since they were not part of the bankruptcy process, we can not understand how they got the right to foreclose or modify our home previous home loan. We want it handled properly. We do not want to owe them or any one else any money when this is all over. We think this is a scam or they would have went through the court system for a proper foreclosure. Original home loan was with XXXX mortgage and then transferred to XXXX Mortgage ( attached ). Something is not right about the way this entire process is being handled.We want the federal and local law involved if a foreclosure is going to occur
Hello, I 'm disputing the {$89.00} I was charged on my Chase Debit card on XXXX XXXX 2017 for a transaction with the XXXX XXXX program. I selected a weekly pass ( {$29.00} ) on the machine, but was charged and given the monthly 30 day unlimited trips pass for {$89.00}.

I immediately stopped one of the XXXX  helpers at XXXX XXXX XXXX and she told me there was nothing she could do and I should contact the customer service for XXXX. Further, she informed me I was likely out of luck because XXXX does not do refunds under any circumstances because it is not in their policy.

I exchanged e-mails with customer service on the same day, please see below : Good Morning, Thank you for contacting XXXX XXXX My name is XXXX and I am more than happy to assist you today.

In order to investigate your issue, we will need the 20-digit serial number on the back of your XXXX  Card starting with XXXX.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) - - - Good afternoon XXXX XXXX Im not sure if you received my previous e-mail, my cell phone service is not working lately. Anyway below please find the XXXX Card number you were asking for.

S/N : XXXX XXXX XXXX XXXX XXXX Please advise when the refund is processed and how long it typically takes, Thank you again for responding back so urgently and understanding my unfortunate situation Best, XXXX XXXX -- - Good Afternoon, Thank you for contacting XXXX XXXX. My name is XXXX and I am more than happy to assist you today.

Unfortunately all we can do is convert the 30 day pass to the equal amount of trips. Is this something you would like to do?

Unfortunately, there is a No Refund Policy for unused trips/passes or for XXXX Cards as per our Terms & Conditions. You can read them on our website, XXXX One of the benefits of the XXXX Card is that neither the trips nor the card expire as long as your card is kept in good working condition.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) --  I was left with absolutely no options but to convert this unlimited monthly pass that I did not select to individual 30 trips. She tried to convince me to go through with it and asked me when I 'd be at the XXXX  next. However, I never deactivated the card or converted my trips. I am extremely disappointed with the services of the XXXX XXXX customer service. Corporations can not include " no refunds at all '' and have customers live with it. I dispute this {$89.00} charge and want a complete refund.
I was trying to get a loan form my credit union and there was a discrepancy on my age the birthday that TransUnion had on file of me is the date to my father. So my credit union could not give me a loan. Until the TransUnion report is corrected with the proper information. The date of birth is to my father with a similar name and not my DOB. 

I have had in the past had a credit card with XXXX XXXX 's that was n't mine and it was for a XXXX XXXX in XXXX XXXX, Texas. I had filed a police report back over 5 years ago and pointed out to the police that I never lived in XXXX XXXX and that I do not have an account with XXXX XXXX. But the following day when I went to complain about an account with them they told me it was all of a sudden paid off and that I do not have the right to get the address to the account. I had told the police that I believed it was my ex-wife but they had told me to leave her alone since she is a woman and a XXXX too at the time. So I left it alone.
I have a BOA credit card account ending XXXX that have been closed and the bank is threatening to charge off the balance, although I consider this account is paid off. I started an auto pay schedule in XXXX XXXX for $ XXXX to be processed on the due date which is the XXXX of the each month, I expected the balance of {$2400.00} to be paid in less than 3 years according to the disclosure indicated on the statement then. The bank had attempted on numerous occasions to withdraw the money from my checking act before the due date resulting in overdraft fees, insufficient fund fees accumulation. I have an auto deposit into my checking act that occur on the XXXX of each month that should cover the payment, however the bank had intentionally processed the payment on the XXXX or XXXX of the previous month. After 4 years of making payments on this credit card totaling more than {$4800.00} at an interest of 9 %, I contacted the bank on numerous occasions trying to understand how did this happen? I had no success in reaching any solution and the bank gave me an ultimatum by XXXX/XXXX/XXXX to continue making payments. I stopped making payments on XXXX XXXX and tried to resolve this issue with the bank but no avail.
I applied for the XXXX update every year program at an XXXX. XXXX did a credit check through Citizens One Loans Personal who did not approve request for the following reasons : GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGEMENT, OR COLLECTION on my XXXX Credit Report. None of the above actions have ever been taken against me nor is any of this information on my XXXX credit report. 
I attempted to resolve this issue with the bank directly but was told to file a dispute with XXXX. But as it was not on my XXXX report I was unable to dispute this statement. After contacting this Citizens One Personal Loans about 5 times I discovered they had used the wrong date of birth. Citizens One claims the social security information was correct but the DOB they used was XXXX/XXXX/XXXX. My correct birthdate is XXXX/XXXX/XXXX. 
I requested the negative credit check be deleted from my credit history as it was based on incorrect information. Citizens One refuses to do so and has advised me to contact XXXX but XXXX states the credit check is based on factual information. 
Citizens Bank has admitted to using an incorrect birthdate and this leaves me at a loss as to how to proceed. 
Citizens One Personal Loans does the credit checks for XXXX but thus far XXXX has not responded to my complaint either. I have filed a complaint with CFPB already and they too are working on this. As this is a complaint about a retail credit loan I am also filing a complaint with you regarding the XXXX XXXX XXXX and their credit check procedures.
This is my second time making a complaint against NationStar Mortgage. They became my servicer in XXXX XXXX ( it is now XXXX XXXX ) and immediately accused me of being late a payment. Not true, I contacted them about this and thought it was cleared up in XXXX XXXX. It actually was not cleared up so I provided them with the factual evidence showing I I was not late, but actually early with my payments. ( this evidence submitted several times to several different people ) They ignored factual, legal documents and continued to claim I was late. I decided to dig into my paperwork deeper to make sure I was correct, which I verified. I found a payment that had been made and deposited by the servicer but not applied to my account. I provided the actual evidence of this to NationStar. I thought that once this was shown to them that they would repair the damage, concede that I am correct, and we would be finished with this. However, that is not what happened. Instead, their response was that their accounting was correct and I am late. Even after providing them with proof that I am early, they are ignoring the factual history I guess so they can commit fraud by stealing a payment, stealing additional money in the form of late fees. By having the authority to file liens, foreclosure, etc ... they are attempting to blackmail and extort from me extra money. Additionally, my credit is unfairly damaged by their unwillingness to correct my account, so I am trapped in their company, as getting refinanced with my current credit rating is not an option. 
I understand this is just a reporting database, and that there is no action by this government agency that will stop NationStar from their illegal collection practices, which I imagine are commonplace in their daily activities ( not just me ). So what I can do is to let anyone who sees this complaint know that they should RUN AWAY from NationStar! Do not believe them! Their customer service is a complete fabrication, meant to convince potential customers that they are a responsible, above board company. Their research department is a fabrication. Faced with the choice between doing the right thing or doing the profitable thing, they will choose the profitable thing, even if it is illegal/unethical. This I can certainly prove. For me, I had no choice - my loan was purchased by NationStar. If you have a loan that has been purchased by NationStar, and you are able to refinance with another company, I urge you to do so! If they ever have an excuse to charge you additional fees or make false claims against you, legal or illegal, they will very likely hook you too. NationStar has shown me that, with no regard to ethical or legal behavior, they are committed to wringing as much money from their customers, legal or illegally, as they can. I am stuck with this horrible company, but you do not have to be. Benefit from my experience and stay away from NationStar!
The debtor filed bankruptcy in XX/XX/2013 of the debt. The debt was later filed as a lien against me from Portfolio Recovery Associates, LLC in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet Portfolio WILL NOT properly communicate, address and release the lean. In contacting the company on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Ihave acharge off account on my credit report negative which is effecting my score ihave disuse whithe 3 agency XXXX removit but experian and XXXX  they didnt remove it I send them both a letter to send information how did vareviy the disput how they talk to and to send me a copy of investigations a copy of my original contract from the creditor or any agreement if not I want them to remove it or delete it thank you