WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.
I didnt know there was an agency to make complaints in regards to this. I have been filling paperwork out for at least five years in regards to getting a discharge. I am XXXX XXXX, and I am unable to make any payments at all. I am on Social Security XXXX and can not make any payments at all. They tell me each time that they have not received them. At this point I dont know what to do. This is in regards to the Navient company.
WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS.
I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.
Convergent Outsourcing Inc, is attempting to collect a debt from me for paypal credit. Thing is I have never had a paypal credit card. Also they are using my old address from about 12 years ago. It has now been forwarded to me and they are now using my correct address but still with the apartment number I used to live in. 

Funny since as stated never had a paypal credit account, and the address is so old. Funny since it is not on any credit report. I knew this was suspicious from day one. It has been going on for about 3 years now on and off.
Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.
XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE
called me saying they would serve me papers at my job calling friends and my family harrassing them saying if they didnt get a number from them they would be arrested. man called and said he was a legal courrier for my county found out they dont have no such thing
I have an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.
This company has made repeated attempts to collect a debt I do not know. And the fair debt collection that they are required to disclose their burden of proof in regards to the debt and I have after several request received nothing. XXXX XXXX calls me nearly 3 times a day and has for sometime now making threats of lawsuits etc. and I dont even know what I owe it for. 

Please provide all original paperwork for XXXX account and all necessary disclosure items proving that I owe the debt. The fact that XXXX buys credit debt for pennys on the dollar does not constitute proof enough to falsely ruin my credit.
I have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.
My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.
I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required. 
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment. 
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it. 
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.
I contacted Ocwen Loan Servicing in the month of XXXX. I spoke with a XXXX XXXX, agent XXXX. XXXX regarding an Escrow analysis that I received from them dated XXXX XXXX, XXXX. The statement indicated that I owed an outstanding amount of {$800.00}. In spite of this claim, my upcoming payment showed a reduction from {$890.00} to {$850.00}. The agent advised that I would receive an adjusted Escrow Analysis reflecting updated information. 
I received another updated Annual Escrow Account dated XXXX XXXX, XXXX. The new analysis indicates that payments were received in the amount of {$850.00} of which {$580.00} was for principal and interest and {$260.00} went into the escrow account. 
The above reflects a discrepancy and inaccurate information. The actual amount I paid from XXXX XXXX through XXXX XXXX was {$890.00} as reflected on the XXXX XXXX, XXXX Escrow Disclosure statement. My tax bill for XXXX XXXX, XXXX to XXXX XXXX, XXXX is {$2500.00}. Since I paid {$890.00}, {$680.00} should have gone towards the principal and {$200.00} towards the real estate taxes.
I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.
On XXXX/XXXX/2016 I contacted XXXX XXXX XXXX to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had XXXX XXXX informed me correctly I would have used other options to pay them.
This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance.
Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.
My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's  themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.
I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  XXXX   XXXX .
I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX
I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is XXXX
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.
I have several two credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids XXXX and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.
My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.
Active Hours said it would take up to 3 days to verify my bank account, and it 's been a week now. They deposited XXXX small amounts into my account to verify it is a real account, and still it is unverified, and I 'm also pretty sure the amounts have already been withdrawn by now, so it should have finished verifying process.