WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 XXXX XXXX XXXX {$890.00} On the above mention date XXXX XXXX XXXX   responded to a letter that I sent to them and the credit bureau to validated the negative items that they have been reporting on my credit report. I ask the credit bureaus and Midland to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is 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. 

Midland did not send me a letter to dispute the debt, they just went ahead and add it to my credit report with no means of contacting me, I didn't have knowledge of this until last year, when I started pay close attention to my credit report because I kept being denied for credit.
I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on  the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.

I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.
I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.
I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 years.
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and Equifax have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Equifax, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments.

*26 year old credit history line.

*30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
I pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.
I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, XXXX, and Trans Union via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX in the amount {$390.00}, XXXX in the amount of {$86.00}.
XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.
XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.
An address was added to my credit report  XXXX   XXXX   XXXX  and that is not my address and I do n't know that address.
I called RS Clark and Associates on X/XX/2017 at XXXX. I spoke with XXXX or XXXX at XXXX XXXX. I did n't have a chance to get the correct spelling of her name because she was so busy going off on me. XXXXShe informed me that the has 3 accounts for me, none which I have received validation for. She said that two medical and she did not have validation for those, but I could call XXXX to get validation on those accounts. I am not sure how RS and Clark are collecting on a debt that they can not validate that I owe. XXXXThe 3rd account was with an apartment complex that I lived at over 7 years ago. Its showing I owe almost 5k. I explained to XXXX XXXX, that I have no idea why I would owe that amount. She informed me that she could go over the list of charges with me over the phone, as I am in between homes and I did n't want to miss it in the mail. Plus, I was ready to address why I would owe an apartment complex 5k. I mentioned that I had my pen and paper, so that I could make a list of the item the apartment complex were billing me for. Then I would have a better idea of if I owed them for damages or anything. I left the apartment in the same condition that it was in prior to my move in. I asked XXXX XXXX if the charges she gave me, I knew I did n't incur would I just need to call the apartment complex directly to discuss payment, etc. She rudely responded, " Oh no that is not what you need to do, we have the account and are reporting to your credit '' She kept putting emphasis on them reporting to my credit, as if my world is going to end because they are reporting. I told her, that it reporting was n't the issue, the issue is I do not owe any 5k. I wanted to know if I was supposed to seek legal counsel or what I needed to do to resolve this collection I do not know. XXXXXXXX XXXX informed me that I could settle with her. I responded, why would I settle on a debt I do not owe. She got very upset. I asked her if she would let me know the itemized amounts for the account. She told me NO, I replied I thought you were going to review everything with me, so that I could resolve. She told me no because I was n't going to settle, and that I wanted to tell her about the items I was and was not going to pay. I explained to her, would you pay for something that you did n't owe. She did n't live in the apartment, but I did. She told me that she was NOT going to validate the debt with me and she did n't have to. She told me that RS Clark does n't operate on my terms, I operate on theirs. I was just applauded. The last time that I checked a collection company could n't refuse to validate the debt. The calls are recorded, so please feel free to listen and her XXXX XXXX an RS Clark Associate refuse to validate the debt just because she did n't want to. However, when we started the call she told me she was. XXXXSo RS Clark is negatively reporting 3 accounts that they refuse to or ca n't validate per their agents ' own words. Again, the call was recorded please listen and hear how blatantly XXXX XXXX violated my FCRA Rights, by refusing to validate a debt. Even though 10 minutes prior she told me she would.
Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.
Alliance collection agency continuously contacts you multiple times per day from unavailable numbers. They also go so far as harassing you while at work even when a company does not allow for personal calls. I attempted to make a payment plan originally for medical expenses that I owed and they refused stating i had to at least pay half of what I owed ( approx {$1800.00} ) and even suggested that I take money out of my XXXX. I explained that I was a single parent with a child under XXXX years old and let them know what I could do for monthly payments. However, this was not good enough and they still tried to take me to court. This company harrasses people until they literally have nothing left financially and will do anything they can to ensure your family is left second to their demands.
As I was signing up for the app called  XXXX  the app told me that Bank Of America is not a bank they are associated with. I find this odd and disturbing as I just switched from  XXXX   XXXX  to Bank Of America and know that  XXXX   XXXX  is excepted with the  XXXX  app but not Bank Of America. I find this highly disturbing because Bank Of America is the second largest bank in the nation. Therefore Bank Of America should be a bank excepted through the  XXXX  app. Please tell Bank Of America to get with the program as I have been with them since  XXXX   years old  which would be 20 years!!!!!
Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.
Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud.
This is a very easy correction to Seterus mis applied payments. All they have to do, is apply my payments for principle and interest to the amortization table. Since all payments were made on a timely basis, this is a no brainer. 
I thinks Seterus knows they are wrong. I have received XXXX XXXX for XX/XX/2016 as they are trying to correct the misapplication of my payments. This means any tax returns previously filed require amendments. They are waving a red flag to the Internal Revenue Service that my taxes have been misfiled. This has to be deliberate At least by attempting to correct their records, they acknowledge late fees should never have been assessed. They need to tell the credit agencies that my payment record is timely and never late. 

These people ca n't apply a payment correctly, manufacture fake fees, mis report to credit agencies, pay fake bills and ca n't correct their mistakes. 

They are incompetent and should not be allowed in business
I have made several attempts to contact this company starting XXXX/XXXX/2017 then again on XXXX/XXXX/2017, XXXX/XXXX/2017 and on XXXX/XXXX/2017 because they are reporting negative information on my credit reports. I have asked them to provide me with proof that the account they claim is mine, which it is not and they have not provided me any viable evidence.
I called XXXX an explained that I was affected by XXXX as a flood victim and to please do a coutesy late removal for the XXXX XXXX late payment. The amount owed was {$7.00}. She stated there was nothing they could do for me and that the late fee would stay on my account.
My ex-husband opened an account for our XXXX child using his name and hers with Wells Fargo Bank. He subsequently has incurred a bank levy for unpaid registration fees on his vehicles. The levy attempted to garnish the account but there were no funds in the account so the bank assessed a {$120.00} processing fee for the levy. My ex-husband does not have legal or physical custody of XXXX our children. I went to the bank with my legal documents to have them remove our XXXX child from the account and they have said that while she is able to provide consent to be added on the account she is not able to revoke consent. They informed me that she can only be removed from the account by her father and the account can only be closed once the {$120.00} fee is paid because the account is for minors only. I do not agree with this position. She should be able to revoke consent to be a party on the account at any time, regardless of if the account is " for minors '' or otherwise. She did not personally incur the levy on the account and so she should not be held responsible for her fathers poor financial choices. He, in my opinion, is unlikely to pay the levy or the processing fee and this account is likely to go to XXXX. If it comes to that, it will negatively affect her credit. She is a minor and she can not, in my opinion, grant legal consent to be engaged in financial transactions such as bank account creation. This is why minors are not allowed to open credit accounts.
My mother and I are currently in the middle of a bankruptcy. We are being contacted by representatives of our mortgage company saying that we are being foreclosed on. We had communicated with our mortgage company several times that we would prefer a deed in-lieu process. Our mortgage company claimed we were assigned to an expert that would help us in this process. The expert has never made contact with us and attempts from us to contact the expert resulted in automated emails or voice messages claiming the expert was on vacation or unavailable. I called our mortgage company by phone and I was told by a representative that the expert could not help us and we would have to apply for a modification before going through a deed in-lieu. We applied XXXX times for a modification process and our mortgage company continually denied our modification claiming that we did not provide paperwork despite proof presented that all paperwork was turned in with certified delivery. The mortgage company has made no effort to accept a deed in-lieu and is continuing with foreclosure proceedings. Our bankruptcy lawyer has also made no attempt to contact us or help us regarding this issue.
Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.
I am the subject of a fraudulent marketing scam which charged my credit card, Capital One, for hundreds of dollars. I requested assistance from the credit card company who refused to assist me with the issue. I called the credit card company and they dropped my call. I then spoke with a supervisor at the credit card company who assured me that their specialists would call me the next day at a specified time which did not occur. The following day I spoke with a " specialist '' who, after reading the notes on my credit card account, started off with " unfortunately '', at which time I ended the call and cancelled the credit card.
On XX/XX/2016, a court order was issued vacating a child support judgment, I contacted Experian Credit bureau and forwarded them a copy of the court order, they have done nothing to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.
I was approved through Centennial Lending Group LLC. for a XXXX loan and the branch manager had told me I was good to go on multiple occasions. Gave me a pre-approval letter and said I was good with their underwriting system to make an offer on my house. Which they knew I was on a time crunch for due to having my current house already sold. A few weeks into the process after already being under contract, they come back and said we are no longer qualified due to the fact of my income to debt ratio. Which is something they knew up front and if they would have looked at since they had my credit report since day 1. The only thing they said was sorry, my fault. Then they told me on 2 different occasions after that I was good to go for a FHA and conventional loan. Then come back a couple days later and say no I am no longer good. I talked to the owner of the company and she said that it was not their fault that they messed up. Their multi-week mistake left me with a house that sold and no longer a house to move into. This is a LOT of XXXX for a XXXX vet to have to deal with on top of all the other issues they have to deal with as well. This company took zero responsibility and did not do anything to try and make anything right.