WillisBack/dataset-financial-user-claim huggingface dataset:
This is a continuation from complaint # XXXX. My original question was never answered. How did my loan charge off only after 60-90 days of delinquency? Typically it takes 180 days of non payment for a loan to charge off. I also never received a final demand letter? This loan should not have ever c/o after just 2-3 missed payments. Sometime in XX/XX/XXXX I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on XXXX XXXX XXXX because they were the only ones who offered a payment plan. I first had my load processed with XXXX XXXX, and my payments started on XX/XX/XXXX. The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forward 2-3 years as well. The first problem arises on my  CBR, showing a debt of over 20k, which is incorrect. My loan was only for XXXX. I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter. After 4-5 months, XXXX transferred or sold this loan to BB & T,  who claim I missed 3 payments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o after 180 days of delinquency? This loan only shows 3 missed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing XX/XX/XXXX. I have been trying to get this issue resolved for almost 2 years. I have n't received a bill in nearly 3 years, and in the past it had been nearly impossible for representatives for BB & T to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from BB & T until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to a 3rd party, its still with BB & T and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months. I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in nearly 3 years, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on BB & Ts part, along with incorrect CBR reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between XXXX amount and BB & T ) and where it shows I only missed 3 payments, then the loan C/O.
My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.
My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau
Hello Im from XXXX and I had a problem with XXXX in the past because my father shares the same Name as me and when he declared bankruptcy his collection information was applied to my account. I resolved the dispute with XXXX XXXX. I recently applied for a XXXX XXXX credit card and was denied because they report to TransUnionXXXX and that particular company reported to XXXX that I had a collections item still on my account. I spoke to TransUnion and they said that they would file a dispute form about the innacuracy on my credit file. I know that its going to come back and they will deny it because I dont have any information right now to back my claim up. When I delt with XXXX 4 months ago I filed the dispute form and sent XXXX documents that had very sensitive information regarding me and my parents bankruptcy information and these companies should communicate with each other and update information accordingly. This is a broken system and I now have an extra inquiry into my file for no reason. If I would of known I had a collections item at one of the. 2 credit bureaus I would of never applied for a credit card.
I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Bank of America has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate
Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either
This debt was purchased by Portfolio Recovery in which XXXX XXXX XXXX XXXX is listed as the original creditor. 

I am disputing this debt and I claim I have no responsibility for it. I have previously disputed this debit and asked for information to validate these debits.
progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.
I have called and told them on 3 different occasions that i could not make my payment due to a financial situation. I asked her to get a pay extension and she said yes as if i went into the store. I told her that it wouldn't be today but tomorrow. Then she continued to call me and all my references even after i set that up. I had informed her not to call my references as they don't know my personal life or money situation. And she continues to do it. She even called them today without even calling me about the loan
I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : Experian and XXXX XXXX XXXX have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {$40.00}. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep {$540.00} ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with Experian, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. Experian is now in violation of sections 623, 609, 1681 and 603.  XXXX XXXX XXXX is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
Applied for Citi double cash credit card on XX/XX/18. Received letter dated XX/XX/18 on XX/XX/18 stating " We reviewed your application and can't approve it because we couldn't verify the accuracy of some of the information you provided. '' Called Citi on XX/XX/18 and spoke with representative who told me that they could not give me any further information about what information I provided that was unverifiable. Spoke to supervisor who told me that there was no person who could look into the system and tell me what information was not verified for accuracy. Was not afforded an opportunity to check the information I provided to see if I made a mistake or verify it was correct and look into why their application process failed to verify. Was left with no recourse to correct information so that my application could be reviewed and considered on its merits.
I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
I have WRITTEN TRANSUNION on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.
I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks.
After reviewing my credit report I noticed an inquiry on there being reported by XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I did not apply for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.
A person named " XXXX XXXX '' has been calling regarding a debt I do not owe, plus he called my parents in NC to discuss the debt and say that he needed to talk to me.
I am trying to refinance my mortgage through  XXXX   XXXX . My current mortgage is serviced by Seterus.   On  XXXX   XXXX ,  2017 I contacted Seterus  to request a payoff qoute. I was told that it could take up to 7 days.   I called seterus to follow up with the status of the payoff on  XXXX   XXXX ,  2017  And was told that the request had been cancelled. They stated that my account was in a review process and they would not send the quote until the review was complete, up to 160 days. Also they will Not give me access to MY mortgage account information.
Im writing this letter to inform you of my effort to obtain a Sears Credit Card which has been denied because of my alleged history of delinquent credit. I have sent several letters expressing my disagreement with the denial, and have asked the approving authority,  Citicorp Credit Services , Inc.,   to reverse that decision based on the my attached credit report. Also see Citicorp letter attached.  <P/> The denial appears to be based on  two  charge offs from   XXXX   XXXX   XXXX   going back to  XXXX . See the attached  XXXX  Credit Report. I requested tha t   XXXX   XXXX   XXXX   r emove the charge offs on both accounts because I was making payments when  XXXX  claimed the payments were 180 days past due. See the attached document on payments.  XXXX  agreed in writing to drop one of the accounts, and sent a letter to the credit bureaus to drop the account. See the attached letters from  XXXX . I have no explanation for the difference in account numbers for the two charge offs accounts.  XXXX  and  XXXX  removed the  XXXX  charge off accounts, but  XXXX  did not as shown in my credit report as of  XXXX   XXXX ,  XXXX , page  7 of 53. I do un derstand that the charge  offs (  XXXX  or  XXXX  ) stay on your credit bureau report for seven years.   <P/> Even with the charge offs shown on my report, I dont see a history of delinquent payments.  Pages 5 of 53 and 6 of 53 s how that there were timely payments to a collection agency on the  XXXX  accounts, and eventually they were paid off.  <P/> I contend tha t Sears ( Citicorp Credit Services , Inc. ) w as not justified in denying me  the Sears Credit Card. Citicorp claim th at not having delinquent payments over the past four years is not as relevant as looking at the overall credit rep ort. Citicorp claim t hat an overall look at my credit report does not score a sufficient number of points for approval. This sounds contrary to being granted the credit to buy a car in  XXXX , to being granted an  XXXX   XXXX  card in  XXXX , and having sufficient credit to buy a  XXXX  timeshare in  XXXX .  <P/> I believe  Sears ( Citicorp )  is trying to hold me to a higher standard for credit card approval.   This denial of a  Sears  Credit Card sounds more like age/race discrimination given that Im a  XXXX  year  old  XXXX  military veteran.  <P/> I want you to investigate this matter and make some recommendations as to what I should do. This means requesting   XXXX   to follow up on dropping  one  of the   XXXX   charge off accounts and make an inquiry as to wh ether Sears ( Citicorp ) is justified in de nying me the Sears Credit Card.