WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. 

Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. 
Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.
Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the judgement information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX I have disputed this information with equifax , as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However Equifax is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with equifax. 

below was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Satisfied Judgment Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.
My name is XXXX XXXX. I live in XXXX, Florida, My ex-husband and I received a car loan from XXXX XXXX XXXX XXXXXXXX XXXX approximately 20+ years ago. When my husband and I separated, I filed for bankruptcy due to financial hardship. I also filed for bankruptcy on several other occasions. Around the first of this year, my place of employment was contact by, XXXX XXXX with XXXX XXXX, a debt collector .seeking to have my employer garnishee my wages. Fortunately I was no longer employed with that agency. Around XX/XX/2018 I was served, along with my previous employer, with court documents from XXXX XXXX XXXX XXXXXXXX attempting to collect on the auto loan that I received approximately 20+ ago, Mr. XXXX constantly called and harassed my previous employer on a daily basis. Mr. XXXX and employee of XXXX XXXX XXXX XXXXXXXX XXXX are constantly calling and harassing consumers. Somehow of another XXXX XXXX XXXX are able to file suit on debt that are well past the statue of limitation.
After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.
Equifax has refused to send me a copy of my credit report several times this year. I sent the last and most recent request for my full report to Equifax in late XXXX 2015 because I 'd learned only recently that XXXX XXXX lowered my credit limit on a credit card I 'd had for more than a decade because of false information Equifax provided to it. Yet, as copies of letters to Equifax from earlier this year that are attached to XXXX previous CFPB complaints about Equifax demonstrate, I have asked for a complete, corrected copy of my credit report from Equifax several times this year but it has failed to provide it. There is no way I can know what false information Equifax continues to carry in my file or has newly added to it without being able to review my entire file. 

XXXX previous CFPB complaints against Equifax this year alone indicate a breathtaking amount of false information in my Equifax credit file, including that which significantly and intolerably undermines my identity. XXXX previous CFPB complaints about Equifax ( # XXXX, submitted on XXXX XXXX, 2015 ; and # XXXX, submitted on XXXX XXXX, 2015 ) document Equifax 's multiple stone wallings and denial of my rights that supposedly govern its operations. It has falsified my birthdate and refused to indicate where it got it from or why it inserted it into my credit file. 

Please force Equifax to provide me with a full, complete and accurate copy of my credit report immediately. It provided false information to XXXX XXXX and I have been denied credit and have been charged more there because of Equifax 's injury to me and its habitual refusals to comply with the law. ( A lower credit limit at XXXX XXXX entails fewer discounts on anything I buy there, and have bought there, this year. This drives up the price for all purchases at the store. )
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?
I received an escrow analysis from Nation Star Mortgage saying I will have a shortage in XX/XX/XXXX so my payment will be raised. While reviewing disclosure I stated in XXXX XXXX no escrow was taken. Actual Payment stated o amount. 
On actual balance between XX/XX/XXXX and XX/XX/XXXX show same amount in XX/XX/XXXX and XX/XX/XXXX. I know I paid the {$180.00} which is the monthly escrow amount because my mortgage payment XXXX was exactly the same. 
When I called for explanation the rep. said yes I paid but could not explain why statement shows XXXX paid in XXXX. 
She said she would sent a record of mortgage payments made. I do not trust Nation Star Mortgage. They have a XXXX rating with XXXX. They are not certified with XXXX any more. 
They also sent me a PMI disclosure statement saying they were taking PMI from me but when I called they said no they just sent these to everyone. 
In XX/XX/XXXX or XX/XX/XXXX I applied for Homes Made Affordable. 
First they said they lost my paper work. 
They had purchased my mortgage from XXXX. They told me I was behind a payment with XXXX which I was not. 
they also said my escrow was short. When they finally approved homes made affordable loan my payment only went down {$16.00}. a month. I contact the state of WI they found I was supposed to receive {$1000.00} a year for 5 years for making my payment on time. They also made Nation Star adjust my Homes Made affordable loan and my payments were lowered by over {$200.00} a month My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Mortgage Co. Nationstar Morgaage XXXX XXXX XXXX XXXX , XXXX XXXX Loan # XXXX My ss # XXXX
Synchrony Bank was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX  Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from Synchrony Bank Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. Synchrony Bank informed that they sent electronic letters to both XXXX and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from Synchrony Bank it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by Synchrony Bank was dated XX/XX/XXXX.
Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.
On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card. 
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.
CRA violation no knowledge inaccurate collections account on my Transunion credit report. FTC ID Theft report # XXXX
I co-signed on a  XXXX  educational loan for my ex-wife when we were still married. After our divorce, per our mutual agreement, she continued to make payments to Wells Fargo on that debt. I believe they had it set up as   XXXX   accounts. Around    XX/XX/XXXX   , due to a move she made and a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , she fell behind on payments and did n't immediately realize her loans were past due. In   XX/XX/XXXX  , she was attempting to work with Wells Fargo to get the loans reinstated so she could bring the accounts to good standing. She did n't have any luck with that, despite her circumstances ( I believe they would only accept full payment ). I too was unable to make a full payment at that time. She later attempted to have the loans forgiven due to her   XXXX   and   XXXX   XXXX   and her inability to work, but they did not grant that request either, despite the statements on their website that mention forgiveness in those circumstances. My ex-wife  XXXX  last year in    XX/XX/XXXX   .
For my personal experience with this matter, I received no notification from Wells Fargo that the  XXXX  loan had been delinquent, sent to collections, or charged off until I saw a notation in my credit report and received a call from them in   XX/XX/XXXX  , ( and this was despite the fact that I had a different account with them, since they carried my mortgage at the time ). By the time I receive the very first notification of this matter when they called, they had already sent a negative notification on me to the credit reporting agencies, which negatively impacted my credit report and credit score. Because of it, I had a very difficult time getting a bank approval for a new home we purchased.
In   XX/XX/XXXX ,  I attempted to contact Wells Fargo by sending them a certified letter ( attached ) requesting that I would pay the outstanding balance in full, if they would agree to withdraw the negative report on my credit record. I received no acknowledgement from them regarding that letter. Since they made no attempt to contact me to avoid this situation in the beginning, and they made no attempt to resolve it after my offer, and the negative report was already out there, I had little incentive at that point to make any payments on this debt. ( Additional detail : Based on my credit report, it appears that the one account became delinquent in   XX/XX/XXXX  , sent to collections in   XX/XX/XXXX  , and charged off as of    XX/XX/XXXX   . The other shows delinquent as of    XX/XX/XXXX   , to collections as of   XX/XX/XXXX , and  charged off as of     XX/XX/XXXX . )  If I were financially able to take care of this debt now and make a total payment as they request, I would do so. But, because I am now a  XXXX  veteran (   XXXX   XXXX   XXXX   rating ) and I can not work, I do not have income from a job and my VA benefit must go towards living expenses.
( If needed, I also have a copy of a letter that my ex-wife had drafted back in   XX/XX/XXXX  , explaining how this situation arose and what she had done up to that point to try to resolve it. )
XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. 
XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.
I placed this account in  Chapter   XXXX  bankruptcy in  XXXX   XXXX  and BK was completed on  XXXX   XXXX . The last payment was paid on vehicle and was paid off  XXXX / XXXX / XXXX  totaling  XXXX .   XXXX  The following is what they show on my credit re port (  XXXX  ) C ollection as of  XXXX   XXXX  to  XXXX   XXXX  Debt included in Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX  They also show I was in collection from  XXXX   XXXX   XXXX  which has been shown as a negative on my report.
I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.
MLD MORTGAGE, NJ ... " XXXX XXXX XXXX  '' In XX/XX/2018 I engaged in the mortgage process for a home we have been living in. Everything went well then, of course. Credit, income, employment, etc ... Was approved in its entirety. XX/XX/XXXX I received a commitment letter and email stating that I was fully approved. The company between the commitment letter I received and XXXX had a " walk out '' that included several higher up employees, due to mal-practice if you will. I was told not to worry my loan would be handled accordingly. So I stayed with them, trusting I would be sitting at the closing table soon. Come XX/XX/2018 I received an email stating they are sorry but my loan had been denied. How could it be denied if there was commitment and full approval. They proceed to explain that its because even though I have been XXXX XXXX for XXXX ', my recent switch to XXXX XXXX XXXX XXXX was part of the reason. Also my income ... Even though after expense I have more than doubled my income from prior years. My credit score went up since I applied for said mortgage. They declined me on false reasoning and was told it would be placed on the uppers deck for further inside investigation. Well now I'm here. And I will tell you all to steer far clear of this mortgage company.
I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.
On XX/XX/XXXX my mortgage company increased my escrow payment effective for XX/XX/XXXX. I contacted the mortgage company after receiving this in the mail on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I called I Informed them on several occasions that I was a XXXX XXXX service connected XXXX veteran on a fixed income and that the increased payment was going to be financially burdensome. After speaking to a representative at the company I was asked to provide proof that I would be receiving a XXXX veterans homestead tax exemption which would have made it possible for them to have my escrow payment lowed. During a conference call with my county and the mortgage company some records were sent to verify my tax exemption status. Those records were received by my mortgage company however, they have refused to lower my escrow payment after I have made several request, both in writing and verbally over the phone, with over 10 different employees. Some of whom I was told were supervisors. I have told them several times that they have overestimated my taxes due to my tax exemption but when I call they are often rude and not helpful. After trying to get this fixed before the new high payment went into effect, I am left here at the due date trying to come up with the funds so I don't loose my house.