WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX Experian Background Checking reported to XXXX XXXX on behalf of XXXX XXXX that my birth year associated with my social security number is XX/XX/XXXX instead of the accurate year I was born of XX/XX/XXXX. This is even with my correct birth year of XX/XX/XXXX reflecting on my actual credit bureau report from Experian. On XX/XX/XXXX I filed a dispute with Experian to correct this information as well as provide XXXX XXXX the correct information for their reporting to XXXX XXXX. That same day ( XX/XX/XXXX ) Experian completed the dispute but never provided XXXX XXXX with the accurate updated information even though it was requested from them every 30 days following and I also specifically asked them to update the company as a consumer. On XX/XX/XXXX I received a denial of employment from XXXX XXXX stating Experian never updated the correct birth year, they just deleted my social security number on the report and they also never provided the correct updated year of birth of XX/XX/XXXX. I immediately filed another dispute with Experian online as well as via email. Both times the disputes came through as deletion of my social security number rather than updating the actual birth year. I then sent correspondence to open a dispute via certified signed mail on XX/XX/XXXX of which was signed for by an Experian employee on XX/XX/XXXX. No action was taken by Experian other than once again removing my social security number from the report. No update was sent to XXXX XXXX even though I once again requested them to do so as a consumer. I am sending yet another letter to them tomorrow, XX/XX/XXXX as well as filing a complaint with you.
Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap
I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.
I opened an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.
1. ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. 3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership. 4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410 Records to be made and retained by banks and Opening Account Procedures. The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C. 1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
For 51/2 years I have been embroiled with Wells Fargo Bank to keep my home. I resorted to hiring a law firm which turned out to be ineffective and questionable. The NPV which Wells Fargo completed was full of errors including the value of my home, I challenged the value with comps and a Realtor opp onion which was completely ignored by Wells Fargo. I was provided with mortgage assistance which exceeded my current mortgage payment, I paid it as long as I could all the while trying to receive a lower payment. Wells Fargo failed to disclose how they were not able to create a affordable payment. Wells Fargo also stated I reached the allowable amount of loan modifications? How? when the only mortgage assistance I received was hire than the current payment, it appears to me that Wells Fargo has been XXXX on taking my home through foreclosure. Prior to the foreclosure of my home I applied through the rentry department at Wells and complied with all of their request to save my home, however, no one at Wells Fargo responded to me and the foreclosure went ahead.
The aforementioned credit collection agency representing  XXXX   XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Spears, Dewitt & Hall Collection Services d oes not have any documentation, they need to retract this from my credit file immediately.
I was falsely accused of a debt by the collection agency Perfection Collection, and they entered damaging information to the major credit bureaus, lowering my credit score. The debt was for a security system supposedly installed by XXXX in a daycare center located in XXXX, Kentucky. I am not the person named by XXXX in their purchase agreement. I have never done any business with XXXX, and I do not know and have never met XXXX XXXX ( or XXXX as appears on the Perfection Collection statement ). XXXX XXXX ( or XXXX ) has never lived at or been to my home address in XXXX  where I have lived for XXXX years. I have never been to XXXX, Kentucky, and I have never had any affiliation whatsoever with the daycare center. I have never signed a contract with XXXX  for any purpose. That is not my signature on the attached purchase agreement. I would like to point out that I always write, not print my signature, and I always include my middle initial. In addition, none of the writing on the purchase agreement is mine. 

I have corresponded with Perfection Collection several times to inform them that I am not the person responsible for this debt, but they have not yet ceased collection activity and deleted the XXXX account from the credit bureaus.
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history (XX/XX/XXXX ) for all XXXX of my federal student loans to the credit reporting agencies ; XXXX and Experian ( XXXX  has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which Experian has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a XXXX XXXX XXXX  rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time onXX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that Experian and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.
Discover took over student loans and last month, switched my repayment options, without warning, to lower repayment speed. 

This is my chat with them : XXXX at XXXX, XX/XX/XXXX : XX/XX/1983 XXXX at XXXX, XX/XX/XXXX : Thank you for verifying that information with me today. I do show the amount you were paying monthly has been lowered. Recently we went transferred to a new servicing system. 
XXXX at XXXX, XX/XX/XXXX : how can that be? a bank can not simply re-do my payments I've schedule XXXX at XXXX, XX/XX/XXXX : *scheduled XXXX XXXX XXXX, XX/XX/XXXX : Since the transfer the system has been reviewing accounts, and saw that your account would be paid off sooner than the agreed upon term, so it lowered down. 
XXXX at XXXX, XX/XX/XXXX : iwthout asking? 
XXXX at XXXX, XX/XX/XXXX : and what is the agreed-upon term? 
XXXX at XXXX, XX/XX/XXXX : It was an auto adjust not a planned adjustment and we apologize for any inconvenience that this may cause. We do not have any prepayment penalties for our loans. 

Allow me a few moments to review each of your loan terms.
This a simple complaint. I filed disputes to the credit bureaus in XX/XX/XXXX I received responses from XXXX XXXX and XXXX but never from Equifax. After about 4 months of waiting, I sent Equifax another dispute in XX/XX/XXXX. We are now in XXXX and again I have not received a response from Equifax. I have been waiting patiently for Equifax to do it 's job but I ca n't simply wait anymore. There are erroneous accounts that are preventing me from obtaining credit at a reasonable rate which XXXX XXXX and XXXX corrected months ago but Equifax will not do what it 's supposed to by law. The accounts are XXXX XXXX XXXX. XXXX of them in fact. I do not owe them nor XXXX XXXX any money. They need to complete an investigation as mandated by the F.C.R.A. and notify me of my results within 30 days. I am filing this complaint to you because I ca n't trust Equifax to do it 's job since they failed me twice already. Please help me.
I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially. 
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale. 
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled. 
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.
I checked my credit report and found many fraudulent accounts. I notified the companies and all three credit bureaus and they said to get a police report. I went to the police filed the identity theft report and submitted it to the bureaus and the creditors and the fraudulent accounts ( XXXX XXXX XXXX ) remains on my equifax file. This is not right, I am a victim of identity theft and never authorized these accounts.
My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. 
The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. 

The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. 

I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. 

The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.
I Advised arrowhead advance to not call my at my place of employment. They continue to call it time after time and argue with me on the calls when I advise them not to call me. It harassment and I can get fired for this.
Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full
In XXXX XXXX I tried to remortgage my home thru WellsFargo. I made arrangements to make 6 months reduced payments with the understanding, I would be able to refinance at the end of that time if payments were made on time.. They were and my loan was denied, according to wells fargo my Investors denied my 
efi-loan. I know Wells Fargo is under investigation for denying mortgages during this period and I feel I was one of them .In XXXX of XXXX my home was foreclosed on. I had been in that home 12 years and it was my retirement home. Since that time I have had to move several times and I am XXXX XXXX XXXX and feel I should be considered for this lawsuit.
( 1 ) What happened?

I contacted Experian 's Customer Service on XX/XX/2018, and XX/XX/2018, and requested to be transfered to the Special Dispute For Inquiries. The calls were regarding Experian 's know how, with converting Hard Inquiries into Soft Pulls. I spoke with someone, at Experian, who referred me back to the company that put the Inquiry on my credit report. When I contacted the company they stated that I would have to go back to Experian 's Credit Agency and Dispute the inquiries with them.

The FCRA has a new Law in effect that allows the consumer to request the Credit Bureau to turn the Hard Inquiry into a Soft Pull, this way the consumers credit will not be affected.

I have been back and forth with the Hard Inquiry issue. Experian can either turn the Hard inquiry into a Soft Pull or delete it.

The Hard Inquiry Report Numbers are : XXXX XXXX
I received a voicemail asking me to return a call, which I did. The person I spoke to told me that I owed outstanding hospital bills. Part of the bills have been paid and I am waiting for a settlement in the case to pay of the remaining XXXX expenses. My lawyer has been in contact with the hospital. 

The debt collector became very hostile and abusive as I tried to explain this and kept insisting that I had to pay. I ended the call because it was very upsetting to be yelled at. 

NCC Business Services is the name of the debt collector.
On XX/XX/XXXX I initiated a wire transfer from my Capital One 360 checking account for the value of {$2700.00} to an intermediary bank for deposit into my XXXX   currency investment account. I have completed transfers like this at least five times in the past. 

My wire transfer was rejected because Capital One said only transfers related to closing on a home may be made to an intermediary or title bank. They referred me to their terms of service as proof of this rule, but it is not listed anywhere : https : //www.capitalone.comXXXX  I am currently in the process of moving my business from Capital One to XXXX XXXX instead , but this will take a fair amount of time. Regardless, misleading consumers is not appropriate and should be looked into.
This report is not the first filed, but it is the one that included communication with both Equifax and the bankruptcy court itself. 
In XX/XX/XXXX, I filed a request w/bank. Court to request Ch XXXX court fees be waived IF my husband and I decided to file bankruptcy due to the fact I had been laid off and was worried we would be late on mortgage on my homestead home. I had to file pro se due to financial problems. Clerk required me to fill out info regarding my husband and I in general, but no creditor info. I had no idea the form implied I was filing Ch XXXX for my husband and I. 
The request was granted to waive court costs, but I found I would get Unemployment for the layoff, so we decided not to seek protection from the Court. In addition, XXXX had removed my name from my homestead home mortgage and refused to put it back on, so I did n't think I would be able to get protection anyway, even though the home was my HOMESTEAD HOME for 8 yrs total and I never had one late payment on it ( filing separate complaint ). 
Bankruptcy was ruled as " dismissed '' due to " other reasons '' as we did not respond to supplying ANY creditors or file any first notices. Neither my husband nor I even knew that we had bankruptcies listed on our reports until years later, at which point I began disputing them. 
The court listed XXXX bankruptcies on each of our reports only 15 days apart with XXXX separate case numbers both " dismissed ''. The credit reports listed XXXX and XXXX as the bankruptcy file numbers, a phone number that was no longer in service as the contact, and repeatedly said they verified the information with the Court through that number and that both were valid and refused to remove. 
I sent a letter to the bankruptcy court to dispute after calling several times and being told by the Trustee that it " was n't their problem ''. I received no response. I hired XXXX XXXX and currently XXXX to have these removed to no avail. 
These XXXX bankruptcies have been listed on both mine and my husband 's reports for over 7 years and have severely affected our credit and ability to get credit and they STILL refuse to remove either bankruptcy. We have n't been able to afford a lawyer and have n't been able to find any guidance on how to have them removed. In researching I found it is too late to appeal and I do n't know how to file a motion to vacate and I ca n't afford a lawyer. I feel the Court should have removed these the first time I disputed them XX/XX/XXXX when I first learned about them and disputed them, and that they should have ensured they were both removed from all three bureaus from both our reports. I NEED them removed now. We have paid for my mistake for long enough and the law states that if there is no evidence of unethical intent or attempt to defraud a creditor or delay a payment, the dismissal should be vacated or reversed. 
I have all supporting documentation regarding the facts above and will be happy to share it. Please email XXXXXXXXXXXX or call XXXX. 
Thank you in advance for your understanding and cooperation in this matter. 

Sincerely, XXXX and XXXX XXXX