WillisBack/dataset-financial-user-claim huggingface dataset:
I brought a car with autotrackk it was paid off as of XXXX/XXXX/2010. when I was making my last payment the loan officer told me that it was a lease car and in order to have the title I would need to pay XXXX. I advised to the loan officer that they can come get the car because I was not told by the agent who I brought the car from that it was a lease car.
Since XXXX XXXX ( after Chapter XXXX Discharge Date ) I have been disputing numerous errors on my credit file. It has been over the XXXX days for all disputes and though I have supplied evidence to counter the Furnisher 's response. These items have not been corrected on my file. For Example:1 ) XXXX XXXX was closed as a charge off and sold to a XXXX party prior to my bankruptcy filing in XXXX. They illegally reaged the date and added additional late payments to negatively affect my credit in XXXX, XXXX, and up to my filing date XX/XX/XXXX. This is ILLEGAL. 
2 ) XXXX XXXX they added late payments after the filing date XXXX/XXXX/XXXX3 ) XXXX - Payments were erroneously posted and Accounts were discharged - Chptr XXXX no late payments XXXX. 
4 ) XXXX - No late payments in XXXX under FHA - HAMP Modification trial period and payments were made on time. Ask them to remove the delinquencies from your credit report because you were making payments on time, but they show up as late because of the way your bank applies trial period payments for loan modifications. This needs to be corrected. 
To get back at my complaints against them Experian went ahead and changed the status and payment history on accounts that were Closed, Paid As Agreed and In Good Standing to INCLUDED IN BANKRUPTCY - negatively affecting my credit score intentionally. I have sent them the documentation once again via certified mail and they should have it by XXXX/XXXX/XXXX. 
The accounts in GOOD STANDING ( Closed Paid As agreed, prior to filing chapter XXXX ) and removed by EXPERIAN are listed below. 
1 ) XXXX # XXXX - Closed Paid In Full - No Lates - Not Included in Bankruptcy 2 ) XXXX XXXX XXXX # XXXX All History of payments removed. 
3 ) XXXX XXXX XXXX # XXXX - Closed Account - Filing Date for Chapter XXXX XXXX/XXXX/XXXX. No late payments while Bankruptcy Stay4 ) XXXX - XXXX - Paid as Agreed, Closed, No Lates. Not Included in Bankruptcy5 ) XXXX XXXX XXXX XXXX - XXXX -- Paid as Agreed -Experian removed all good payment history. Not In Bankruptcy6 ) XXXX XXXX XXXX XXXX - Loan Paid As Agreed Closed - Experian removed history and Included in Bankruptcy when it was closed and paid in full prior to filing. 
7 ) XXXX XXXX # XXXX - Paid in Full As Agreed and CLosed prior to Chapter XXXX. Not Included in Bankruptcy. All good credit history was removed. 
Experian appears to have intentionally done this to my credit file due to complaints filed with the CFPB. They have failed time and time again to correct my credit file and have blocked my access to dispute credit report online. I want all my ACCOUNTS IN GOOD STANDING reinstated and any negative reporting errors that have been disputed that they have failed to appropiately verify have these corrected and if the negative item was reported incorrectly then deleted and blocked from reappearing on my credit file as per my rights under the FCRA. This is ridiculous. See other complaints against this company that is violating my rights under the FCRA. I will attach the Credit files as evidence. Thank you. See : XXXX & XXXX
As Personal Representative XXXX appointed XXXX XXXX 2015 XXXX for my father 's estate, I have been paying his bills ( since this date ). 

Bills from North Shore Agency XXXX NSA XXXX have been forwarded to my home address ( XXXX XXXX from my father 's address XXXX. 

I can understand the first couple bills I paid to NSA, which were XXXX dated less than one week after my father passed away as being legitimate, but not brand new bills eight ( and more ) weeks later. 

I received a bill dated XXXX XXXX XXXX for " XXXX XXXX XXXX '' for {$46.00} ; this bill stated " THIS IS NOT A " FINAL NOTICE. '' '' I received this on/about XXXX XXXX XXXX and promptly tried calling XXXX XXXX XXXX XXXX ) and left messages with NO call back. 

I then wrote and mailed a letter XXXX XXXX XXXX to NSA XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX ]. I stated that this was the FIRST bill in this amount, essentially TWO MONTHS after my father passed away, questioning the veracity of this bill, that I could neither " verify nor validate that my father ever even received this publication. '' I stated in this letter whose voice mail I left a message for XXXX XXXX XXXX, XXXX?? ), at ( ( XXXX XXXX XXXX ). 

Furthermore, I requested that my father 's account be closed. Permanently. 

Then, yesterday ( XXXX XXXX XXXX XXXX, I received yet another bill from NSA, also for " XXXX XXXX XXXX, '' but for a different amount altogether. This bill was dated XXXX XXXX XXXX in the amount of {$44.00}. This bill now said " DEMAND FOR PAYMENT. '' Yet, apparently a different product, given a different ( and smaller XXXX dollar amount. 

XXXX bills are attached to this complaint. I have never dealt with a company who bills months after the fact, and from a collection agency this seems very suspect to be receiving bills so long after my father passed away. And to not be able to 1 XXXX talk to someone from this North Shore Agency, nor 2 ) get the specific company this bill is originally from to stop these billings AND future mailings XXXX if this product is forwarded, nothing has been received by me ].
Have hard inquiries on my credit report for someone trying to get a card with my information. Not me it is showing XXXX hard inquiries on Trans Union.
I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.
On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.
Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.
I Were contact by this collection agency XXXX XXXX XXXX XXXX XXXX about a debt that Were place in there office from the original creditor Captail one credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # XXXX )
I have been paying my student loan now for 20 years. This past XX/XX/2018 I submitted my application to qualify for the public service loan forgiveness program. I had been paying my loan for 120 consecutive months as well as being a full time XXXX XXXX. My application was rejected. When I called the Department of Education they informed me that the type of loan I had with Navient did not qualify. When I spoke with Navient, they said that I was not in their public service loan forgiveness program. They informed me when I started paying my loan 20 years ago they were not a part of the loan forgiveness program. But when they did have the option for people to enroll in the loan forgiveness program, the option was NEVER offered to me. Several times they had me enroll in their forbearance program but never once informed me within the 20 years of me paying them that I had the option of the loan forgiveness program. All these years I thought my loan with them qualified for the public service loan forgiveness program, only to be told after 20 years it was not.
Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
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On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
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On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
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To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
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As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call
The mortgage lender, Pennymac Loan Services LLC, has not properly credited my account for my last payment and the company continues to send my mortgage statements very late. I sent a payment XX/XX/XXXX. The check cleared XX/XX/XXXX. It is now XXXX XXXX, 2015 and I have yet to receive a mortgage statement. Instead of receiving a complete mortgage statement that shows when and how my money was applied to my mortgage balance, I received a letter from the lender stating that the payment was received but that it does not bring my mortgage up to date. 
I am aware that I am behind on my payments, but that does not exclude me from having the right to receive a monthly mortgage statement, on time and to know how my money has been credited to my mortgage account. Pennymac has repeatedly sent monthly statements extremely late. For example, I made a payment in XXXX 2015 that was applied on XXXX XXXX, 2015 and yet I did not receive a statement detailing the activity in the month of XXXX 2015 or XXXX 2015 until XXXX XXXX, 2015. According to the new regulations, mortgage companies are required to provide consumers with a monthly statement of the upcoming month due date no later than the end of the grace period of the previous month. With Pennymac this means that I am supposed to receive my statement for the money due XXXX XXXX, 2015 no later than XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have not received a mortgage statement. Instead of receiving a detailed mortgage statement, Pennymac sent a letter stating that my money has been received and that I still owe money to become current on my mortgage. The letter that I received last week does not meet the requirements of an itemized statement. My electric company, my gas company, and my telephone company have no problem sending a statement by the end of their billing cycle on a regular date, every month. I do n't understand how Pennymac can not manage the simple task of mailing me a statement on time. 
A way that Pennymac covers up how late they sent statement is that the envelopes in which the statements are sent are not postmarked. They have prepaid envelopes that are very difficult to track with the post office. I have often received statements 10 calendar days after the date written on the statement. The only envelopes that have dates are envelopes with notices to foreclose. For this reason, I will be filing a complaint every single month that I do n't receive my statement for the next month by the XXXX of the current month. I want a written record of the predatory measures this company practices in order to drive their customers to foreclosure. 
Pennymac 's goal is to push me to fall behind on my payments, beyond the 120 day limit, so that they can sue for foreclosure and make a XXXX year old, XXXX, retired woman become a homeless woman. I will not allow this company to make me another of their victims.
I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.