WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to XXXX XXXX.
About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.
I sent my XXXX  XXXX XXXX back to the dealer for a factory defect. Ally is aware up until the point of the stalling issue. I did not miss one payment. Ally intern sold the car for more than it was worth. I had no knowledge of the sale until I went to Arbitration court on behalf of XXXX XXXX who sold me the car. I reached out to Ally and asked them to cease all contact with me during XX/XX/2011-present and they have been sending me letters, and also they have submitted my information to a third party who intern calls me repeatedly. I have requested that Ally abide by the statue of limitation. The statute of limitations in Florida is five years for written agreements and four years for oral agreements.The statute of limitations in Florida for an to legally pursue an old dept is five years for written agreements and four years for oral agreements. Under the Fair Credit Reporting Act, debts can appear on your credit report generally for seven years.The dept can remain on your credit reports for seven years from the release date or 10 years from the date filed. The date it was filed according to my credit report is XX/XX/2011.
I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.
I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.
XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.
BBVA COMPASS BANK Online Banking App states if deposited before XXXX XXXX, that day is considered a " business day '' ... .4 business day hold ... i deposited my check at XXXX XXXX thru said banking app ... .CR states the deposit happened at XXXX XXXX ... .NOT CORRECT So Compass Bank says Friday is not considered a business day. 
Compass bank is holding my funds until Thursday XXXX. which is longer than 4 days. 
CR states that i was made aware of " terms may change '' when i opened the account. I was NOT made aware of said " caveat '' bc i 've had this account for years and the banking app only became available recently. 
Compass Bank CRs ca n't or wo n't tell me where my check is in this holding process and wo n't explain the holding process either. CR states Federal Regulations are at fault but i agreed to no such scenario. CR states there is nothing that can be done and will NOT give me a phone contact # to call the Compass Bank corporate office. ( which again is unethical as this institution holds my $ $ and will not give me the appropriate contact info i desire ) Online Banking App is misleading and Compass Bank practices are unethical to say the least.
When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.
I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA
I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.
I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.
I countersued XXXX in state court. I had already vacated the premises due to unihabitable conditions, XXXX rat infestation ) and they wanted rent money and fees for that one month and readying the apartment ( carpet fee etc ) they also kept my deposit. However, the judge stated that I did not owe them any more monies, not for rent, carpet fee, readying the apartment etc. However, XXXX put the debt on my credit report and sold it. I then told the debt collector that I had a case disposition stating that I did not owe. They did not remove the debt from my credit report. I recently faxed over a copy and it was still not taken off my credit report. They insisted that I owed the debt despite a court order stating that I did not. 
The company is Professional Debt XXXX. XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX. The representative is XXXX XXXX.
After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as XXXX,
I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
XXXX XXXX bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job inXX/XX/XXXX. They bought the debt in XXXX and they contacted me inXX/XX/XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.
McLean Mortgage Co. of XXXX, VA pulled a copy of my credit report without my authorization on XX/XX/2016.
I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.
I was a victim of internet fraud. Instead of depositing a reimbursement for a legitimate outstanding debt the crooks funneled the complete value of the credit card associated with my checking account into my checking account, in XXXX installments, beginning with {$1400.00} that they showed to me as what they had deposited into my account. They screamed as they " realized '' they had overpaid me by {$1000.00}. I agreed to reimburse them the {$1000.00} by XXXX XXXX. Naturally there was a problem with the transfer and I had to do it twice more. They kept showing me the money was still in my checking. Only when all this was done did I check my account and found out what had happened. I immediately phoned Wells Fargo to let them know. 

After filing a claim with lengthy proceedings they bumped me up to a higherup who asked more thorough questions and had me verify that I had not initiated any of the XXXX transfers from the credit card. He sent me an affidavit of online fraud which I filled out and sent in. 

Wells Fargo weaseled out of both claims refusing to acknowledge that this actually was fraud.
I am trying to cancel my XXXX credit cards with citibank I am trying to pay the balances and close the accounts. Due to " fraud prevention '' they are unwilling to do so. I was able to pay the balance on XXXX card online but they are now refusing to allow me to cancel the card because they claim they ca n't verify my identity with out providing a relatives phone number. I was able to apply for, activate, sign up for online bill pay, and use the card with my phone number but now it is fraudulent. The other account they refuse to take a payment because they need a relatives phone number to verify the account. All I am trying to do is close these accounts.
I am pleading with you to please help me with my lienholder, Pennymac. About 8 months ago, we had to stop making payments due to financial hardship. We are a family that goes above and beyond for each other. We've had XXXX if not XXXX of our kids live with us during our duration of owning the home. Back in XX/XX/XXXX my wife had to have XXXX and that put our income down to one. Then in XX/XX/XXXX/XX/XX/XXXX my wife started experiencing XXXX  and XXXX XXXX XXXX XXXX which made her part time job even more part time. In XX/XX/XXXX, my wife had to have XXXX XXXX due to a XXXX XXXX XXXX XXXX XXXX. There was very XXXX  XXXX XXXX  going down her XXXX. Due to that XXXX she has not been able to return to work due to XXXX XXXX XXXX XXXX XXXX XXXX. Finding a job that she can do has been difficult for her. We did get a modification during XX/XX/XXXX and things were going ok until our property taxes went up so much that it raised our payment by XXXX. There fore making our payment higher than the original payment. While trying to help our kids during this time as well, I changed my withholdings and forgot to change them back. Which resulted in the IRS putting my withholdings at XXXX and freezing it so i can't change it. This has really put us in a position of having to figure out what to pay and not pay. We knew months ago that we would not be able to get caught up so we decided to put the house on the market for XXXX without doing any kind of short sale. For we had no intentions of a short sell at all. We finally got an offer, but due to repairs that need to be done on the house, the buyer backed out. We could not afford to fix the repairs. During the time that this all this is going on, my wife 's nephew and girlfriend left there son here and have not returned. We are now taking care of him and trying to figure out how to keep all the bills paid. On XXXX XXXX my wife was in a car accident and is going through all kinds of XXXX and doctors appt, so for her to look for work is out of the question at this time. This is a real financial hardship for us.
I had participated in the California State Loan Repayment program. Payments were made to Nelnet through this program. My loan balances I was told were paid off, I owed nothing. This was XX/XX/XXXX. In XX/XX/XXXX I  was notified that I had 2 loans in default with a balance of $ XXXX.I began paying these loans. In XX/XX/XXXX I called Nelnet to inquire about the balance and I was told the 2 private loans were now being serviced by XXXX XXXX. BUT -- they told me I had yet another student loan with a balance of {$1300.00}, this one was a, Federal loan. 
Again, I hear nothing. I repeatedly asked for a detailed accounting of the loan history -- payments and balance.I received nothing.Now, my Federal tax return was intercepted by XXXX XXXX for {$1900.00} and when I called them today I was told it was now with XXXX XXXX ... but it was paid by IRS. I call all parties aforementioned and get no information or help. 
Please help me!
XXXX has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT
TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from my credit file.
I keep disputing a supposed collection account on my credit report from ( XX/XX/2006 - XXXX ). I have disputed this account with Experian multiple times and they keep updating it as a collection that I recently paid off. I even went so far as to call that company ( XXXX ) and get a letter of perfect account history and a letter asking them to remove the incorrect item. I sent Experian certified letters regarding this matter and they will not delete it from my credit report. " Hypothetically speaking '' if I had a collection account from 2006 ( i did not ) " and that was 10 years ago anyway '' I requested a credit report and dispute from them multiple times but it is still not removed. How do I file a complaint or sue them for defamation and stress? Who can i complain to, where will i be able to file suit in court against them? My Experian credit report number is XXXX.
They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.
the day XXXX/XXXX/2015 day refused to open a blast paypal credit for reprting sequences and temporary system error and not providieron news for you aplication the number reference No XXXX
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX   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 it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.
My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.
My personal information ( DOB, SS #, address, credit info ) was compromised by Equifax, leaving me a likely target for identity theft. First issue of complaint is that I was not notified but instead had to research how to protect myself based on a news story! I went to a website that asked for more personal info to see if I had been impacted by this breach. I had. I was not given any guidance about what to do to protect myself. I was not offered any solution. I was forced to search myself for options, all of which will cost me time and money and a lifetime of watching every transaction, every attempt at using my credit report, every attempt at using my personal information and may still result in financial harm to me if something gets through. This is not my line of work. Equifax is responsible and they should make it right, as much as it is possible to do.
This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
I previously had a dispute with Suntrust Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.