WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint against : XXXX Address of Foreclosed Property XXXX XXXX XXXX, FL XXXX XXXX Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to XXXX Recently, I applied for a mortgage and was approved. The company in question, XXXX XXXX XXXX ( XXXX ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, JP Morgan Chase, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted XX/XX/XXXX. XXXX has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by Chase. Part of that agreement was that Chase would take a deed in lieu of foreclosure. XXXX refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.
Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
On XX/XX/XXXX we closed on a construction loan, after several delays by Wells Fargo, they overcharged us {$5000.00}, we received a letter on XX/XX/XXXX that they acknowledged overcharging us and giving us a check for that amount. But then, the same day they charged to our loan the same amount {$5000.00}, so in fact they did not refund, they charged back to us to repay again. I have attached my initial letter to them and all of our statements showing the where they charged back to the loan and never credited back and all of the statements with them. We tried on several occasions to resolve but they never followed through, so not only did we get charged for that, we were charged for the interest.
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
To whom it may concern, I am fully aware Transunion has had two separate computer glitches in XX/XX/XXXX & XX/XX/XXXX that cause all my inquiries to get deleted. Due to the circumstances that those computer glitch was TransUnion 's problem - not mines - which caused my inquiries to be deleted. Later Transunion added them all back onto my credit report and failed to give me the legally required written notice 5 days prior to them re-adding the inquiries. I am well aware of my legal rights and legal protections. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added on numerous occasions. These inquiries add a hardship to my life and my rights have been violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. I demand TransUnion not to be allowed to mock the CFPB 's authority by ignoring my rights.
I have called ( In XX/XX/XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted.

All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account.

Experian Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.
I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.
Account was escrowed for insurance when I had my own, with no lapse in coverage. I am told by customer support they will credit my account but have not since XXXX of this year. I have stopped paying my escrow and am now late on my payments according to their records. I have spent at least XXXX on the phone with customer service trying to get this resolved. I am told each time it takes up to XXXX days to take care of the problem and they assure me it will be. Still no luck.
Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX   and deeclined me right to establish credit.
XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate
On XXXX XXXX, 2016, we accepted a contract on our house from a buyer who is a client of Neighborhood Assistance Corporation of America ( NACA ), with a closing date of XXXX XXXX, 2016. 

We were provided a nice letter from NACA ( attached ) stating that the buyer had been working with NACA, " and are qualified for the NACA Mortgage to purchase ... '' our property. 
After repeated requests for an update, on XXXX XXXX, NACA Mortgage Consultant XXXX XXXX notified our attorney and our realtor : " Lender is conducting their final review. Will provide an update as soon as it is available. '' Our attorney then made repeated attempts to get an update from XXXX XXXX, but there was no reply. 
On XXXX XXXX 2016, the day before our movers were scheduled to pack up our home, we were notified that : " The lender has not issued a clear to close on this file. The file has exceeded the typical review time and has been escalated to get a response as soon as possible. As soon as I have an update I will communicate progress. We will not be able to close on the XXXX at this point. So we will need an extension. '' A two day extension was requested and granted. 

On XXXX XXXX, 2016 the our movers completed loading and our family and possessions headed from XXXX to XXXX. 

On XXXX XXXX, 2016, our attorney then made repeated attempts to get an update from XXXX XXXX and schedule the closing, but there was no reply. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. As we were still in our contingency window for the home we had under contract in XXXX, we agreed to the extension. 

On XXXX XXXX, 2016 our attorney started making attempts to contact NACA to get an update. NACA made no effort to respond. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. Seeing as we had no recourse, except for canceling the sale, we agreed to the extension. We were able to secure an extension for the house we have under contract in XXXX. 

Monday, XXXX XXXX, 2016, once again there has been no communication from NACA, no closing was schedule and we are now a day or two away from having to terminate the contact on the home in XXXX. Additionally we are facing significant unanticipated expenses as a result of NACA lack of communication and follow through.
Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.
On XX/XX/XXXX, I disputed the following accounts below and Transunion told me the accounts were verified as accurate. However The " DATE UPDATED " DID NOT CHANGE. It appears that no investigation was actually done. ALSO TRANSUNION DID NOT PROVIDE WITH " NO METHOLD OF VERIFICATION ''. I am asking for Deletion because Transunion did not follow the procedure as outlined in the FCRA '' AND THEY ARE VIOLATING THE LAW. 

XXXX XXXX XXXX DOCKET # XXXX DATE UPDATED XX/XX/XXXX DID NOT CHANGE, courts don't verify Public Record, please provide me with person, who you spoken to. 

XXXX XXXX # XXXX, Date Updated XX/XX/XXXX did not change XXXX XXXX # XXXX Dated update XX/XX/XXXX did not change XXXX # XXXX ' date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX date opened XX/XX/XXXX Date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date update XX/XX/XXXX did not change XXXX XXXX # XXXX Date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX, DATE UPDATED XX/XX/XXXX DID NOT CHANGE
XXXX XXXX XXXX ( XXXX ) in XXXX was my triple play service provider ( Cable, Internet and VoiP Phone ). I terminated service. A XXXX technician came to initiate service for the new customer taking over service. The XXXX technician took equipment back ( DVD-R, peripherals ) and said he would report that he had taken this equipment back. Now, I got a bill from {$180.00} from XXXX which when I called was told was for this very equipment which XXXX alleges was never returned. I said this was an error. XXXX put me in collection with Credit Management LP to collect this {$180.00} which I do not owe. I called Credit Management LP to explain I am disputing the debt. Credit Management LP has told me that I need to provide all sorts of personal data ( new address, SSN, etc. ) in order to properly file with them my debt dispute notice. XXXX and its agents are in the wrong, abusive and overbearing. I request : cease and desist, annulment of debt and a redress of any notice of delinquency on my credit reporting. Please help me. Thanks
Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.
This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Equifax credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
Experian - Unable to reach a representative for months. Please help ... 
I keep trying. I needed corrections and to receive a report by download. I had fraud occur. Each time I use the phone system it will not let me reach a live Experian representative, instead the prompt indicating I am interested in a report suddenly with no warning just gives me a recording saying they have MAILED me a report - WITH NO OPTION TO SAY NO. Unbelievable. I can not receive a report by mail because there is chance of mail theft where I am. I did not receive the credit report after a month. I do not know who's hands it might have ended up in. I keep calling every number I can find on the internet and still the same Experian recordings and no amount of options get me to any person at all - NO LIVE PERSON AND THE WEBSITE WILL NOT ALLOW DOWNLOADS of report. I am in shock. The other credit bureaus like XXXX - no problem reaching at all. To add insult to injury - Experian sends me emails selling me their products but with NO WAY TO UNSUBSCRIBE to them. PLEASE HELP me contact this company! They should be legally required to respond to customers with live assistance. Are they not?
I contacted Lexus Financial Services by phone XXXX prior to returning my leased XXXX XXXX to XXXX dealership in XXXX XXXX. I asked XXXX very specific questions, XXXX ) whether they sell mileage at a discounted price ( like XXXX or XXXX ), and XXXX ) if they would waive my last XXXX payments if I got another XXXX as advertised by dealership and Lexus FS. Both times I was told they did n't sell discounted mileage, and I DID qualify for payment waiver. So, based on what I was told, I leased my second XXXX XXXX before I returned my first XXXX. Today I made a courtesy call to LFS to let them know that I returned my vehicle on XXXX XXXX, XXXX and to give them heads up as far as final billing. Well, here is the surprise catch : I was still required to make the last XXXX payments of my lease contract because I DID NOT purchase my XXXX vehicle at the same time of returning the first XXXX. Did anyone EVER mention this to me as a condition for a waiver? NO, NOT EVEN THE XXXX TIME WHEN I CALLED. I asked them to pull my XXXX previous conversations, and they told me that I did not ask a specific question, therefore they gave a general answer to my general question. I do n't know how could I have possibly been more specific. Moreover, I still have to pay {$350.00} disposition fee even though I have a second XXXX because, once again, I did not obtain it at the same time of the return. I am about to have a XXXX XXXX. This is a cheap shot by LFS for a valued customer like me, who got XXXX XXXX vehicles based on their advertisement and promotion, who has a credit score over XXXX, who never had a late payment. I told them how could a dealership promise something they could n't provide? They told me they were not responsible for what dealerships promised or promoted. I asked them how was that possible, do n't dealerships act on behalf of LFS and they also follow LFS guidelines? They said they did not answer for dealerships. They follow strict guidelines and policies as far as last XXXX payments waiver promotion. This is a total absurd. Should n't they let you know when you call and as a specific question? Should n't they let you know at the dealership? I think they are so eager to sell a car at the dealership that they oversee explaining the details of ongoing promotions. As soon as you are out of the dealership, NO PROMOTIONS APPLY. This i unfair advertising practices. I am at a loss and so angry that I am going to seek legal advise as to how to return my new vehicle and simply NEVER deal with LFS again. This is such a low-balling that I am speechless. I wish I read all the bad reviews at XXXX here before I considered buying a XXXX. HORRIBLE, DISHONEST, MISGUIDING, AND CHEAP SHOTS ... They are very dishonest. They said they sent a certificate explaining the promotion details, but I never got it, that was why I called them XXXX in different times and received the misdirecting answer from them. They simply want me to pay for XXXX cars instead of waiving my last payments of about {$650.00} as PROMISED and ADVERTISED.