WillisBack/dataset-financial-user-claim huggingface dataset:
I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.
TransUnion credit burea said that this debt would be removed by XX/XX/XXXX which is 7 years after the debt. When I contacted them they changed and said it will remain until XX/XX/XXXX. They also keep updating it on my credit report. The company they are reporting is XXXX XXXX XXXX
i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.
I want to file a complaint against Webster Bank. Without my consent or prior knowledge and without any checks written against my account by myself or others, on Friday night XX/XX/XXXX, webster bank processed a check against my checking account for {$990.00}. My account only had {$970.00} in it. So they set my balance to XXXX. I was notified on Saturday XX/XX/XXXX of the withdrawal from my account and I called their XXXX number on Saturday morning. I was told that it was their mistake and that the department responsible for the error could not be reached until Monday. I was also told that they would contact that department on Monday and that by the XXXX I should see the money back in my account. When I called on Monday XXXX, I was first told that they could not get in touch with that department but they would call me back once they did. I did get a call back later today, informing me that the funds would be put back in my account on Monday night after XXXX.

The funds that I just received on Friday morning from my paycheck were not available to me for 3 days, one a full business day. This is not an acceptable way to do business. How can they clear out someones checking account and not correct the error for 3 full days? How can this be acceptable. As of this writing I am still waiting for the error to be corrected tonight after XXXX.
I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
A towing company, XXXX XXXX illegally towed my vehicle and then extorted funds through a credit card. The transaction was under force and fear, and the transaction receipt represents signed under duress ( force and fear ) as the merchant threatened physical violence. The police were noticed a, report filed and investigation began. Civil action was also initiated against the company. The charge was submitted against my Bank of America bank account for XXXX. I filed a complaint with the bank and with the CFPB. I was contacted by Bank of America who indicated upon review of the information they would be crediting my account. This occured XX/XX/XXXX. The Merchant refiled the same charge on XX/XX/2018 which was processed by Bank of America. When I called their offices they indicated the file had no documentation of the prior CFPB and OCC complaints on this matter, and therefore they were processing this charge as valid. My card number is XXXX. My DDA account is XXXX. 

All information has been provided which resulted in BofA initially denying the charge and now that such has not been maintained in the file it allows the merchant to resubmit the charge months later and for me to be forced to go through this again.
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX XXXX XXXX made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed it.
On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial.
On three different dates, I submitted disputes to Experian requesting an investigation pertaining to a Bankruptcy that is reporting inaccurately on my credit file. The first letter I submitted requested an investigation, the 2nd and 3rd letter requested documentation stating their means of verifying information ; the name, phone number, position, and address to the company or person who they used to verify the accuracy of this bankruptcy with. On all three occasions Experian sent back letters stating that unless I send them relevant information to support my claim, they will NOT reinvestigate the information again. I am not the one who needs to furnish proof, Experian has a legal obligation to complete a thorough investigation and supply the consumer with all information obtained during the investigation. Experian failed to do that. In their letters, they stated ; " we contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office ''. However, I verified with The bankruptcy clerk at XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, that they DO NOT directly supply bankruptcy or any personal information with any credit bureaus or agencies. 
They failed to disclose the source and according to the Fair Credit Reporting Act statues, the inaccuracy must be deleted.
I was currently paying off a XXXX XXXX XXXX account for a little over 1000.00 I made my first payment and noticed my balance was going down however when I made a second pament I noticed that my balance was no longer going down in fact it was going up when I called and asked about why my balance was not going down the lady on the other end told me they just received an old hospital payment from XXXX XXXX   hospital and they added to my XXXX XXXX XXXX payment arrangement I thought to myself this is not right if I never would have had all my recites I wouldn't have know they tacked on an extra 300 dollars this is misrepresentation of a balance due.
I have tried many time to resolve this problem with Select Portfolio Servicing. First off I can not seem to figure out if they are a collection agency or a Lender. They seem to pose as both. My issues with them date back almost XXXX or XXXX yrs, with faulty accounting and excessive fees. 

Recently I was offered a plan to catch up on my payments. I feel way behind while trying to work out a modification plan with them. They delayed this process extensively causing me to get to a point that I fell behind and could not catch up with the payments. The plan consists of 12 monthly payments of over XXXX with a balloon payment at the end of over XXXX. 

My question to them has been as always what exactly is the money going towards. With the monthly payments I need to know what is going towards principle, what is going towards fees and other excessive charges they have tacked onto my mortgage. 

They say the principle for the loan is {>= $1,000,000} yet on my lat statement they showed me owing {$270000.00}. Much of this excessive fees for things I do n't even know about and am not sure I should be paying. I need to know what is what so I know I am actually paying this down and not being taken for a ride. I 'm in deep enough and need to pay this off correctly. 

I request a full breakdown of all fees, changes for foreclosure processing fees and lawyer fees and whatever else was involved in the many time that have tried foreclosing on me for the wrong reasons. I need to know every financial aspect of this account and have a detailed accounting of everything. 

I have also many times requested a Principle Reduction from Select Portfolio. I feel I am the perfect candidate at this point for such a program. Yet they continuously deny my request even though they were given funding for such programs.
I have a home equity line with Wells Fargo Bank and I setup an automatic payment so that they can make these withdrawals on time as well. The bank was unable to withdraw money from my account where I have plenty of money to satisfy the withdrawal and they have charged me all sorts of late fees and this is happening for the second time. I had to get on the phone and explain to them how this is not my fault and I was assessed several late fees which they will not remove from my account. On top of this they keep sending me collection letters with the wrong amounts on them. I need help with this situation. My loan number with Wells Fargo is XXXX
We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX.  We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this company which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.
I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 )  XXXX And XXXX {$750.00}, ( 2 ) XXXX XXXX Account Info. ( 3 ) Bankruptcy, ( 3 ) XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 )  XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
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The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
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Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
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Chase has decided to deny the short sale request because the home was rented for more than a year.
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Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.
On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.
I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.
I have reached out to the Transunion, XXXX, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed. 

The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account. 

I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of this complaint.
SPS Select Portfolio Servicing, PO Box XXXX, XXXX XXXX XXXX, Utah XXXX are attempting to collect XXXX XXXX dollars for a mortgage that no longer exists. This mortgage was a result of an Identity Theft Fraud/Forgery prosecuted by the U.S Attorneys Office in NYS. The mortage was vacated by a XXXX Supreme Court Judge in XX/XX/2013, yet they continue to bill, attempt to foreclose, attempt to lock out owner, winterize the property and change the locks, serve documents to the wrong address. They have trespassed, harrassed and continue their predatory aggression even after being put on notice by an licensed Attorney. They have issued home owners policys in our name, Even after being served with proof the home was already insured. Given our correct address and phone number and asked to remove the erroneous file. They have assessed taxes and fees and post transaction acceleration fees even though they are illegal in NYS. They have not deceased attempting to collect a debt that does not exist.They have trespassed in attempts to lock us out of our home, board it up and change the locks. If my realtor was not there, they would have succeeded.
I, XXXX XXXX have tried many times to work with the bank to get a loanModification but they always declined the case with no reason sometimesThey said is because there were incomplete documents when I have theProof of the fax confirmation that I send & they have received the docs. 
At this time I need your help there is a sale date on my property tomorrowXXXXXX/XX/XXXX. Please at this time I just requesting more time so they can continue reviewing my case ( I submitted an updated package since XX/XX/XXXX. ) Last time that I spoke with them & request updated docs was onXXXX XX/XX/XXXX & were send the same day. When I call back on XX/XX/XXXX find out the status they said there is not enough time to review the filebecause they need at least XXXX days, when my file has been under review & requesting documents since XXXX, thru XXXX. 
According to article that you posted on XXXX XXXX, XXXXThis bank Specialized Loan Servicing , LLC Is doing the same thing on myMy case. 
Closed borrower applications due to its own excessive delays : XXXX took excessive time to review loss mitigation applications, often causing application documents to expire. To move its backlog, XXXX would close applications due to expired documents, even though the documents had expired because of XXXX delay. 
Delayed approving or denying borrower applications : Under the new CFPB mortgage servicing rules, XXXX must evaluate a complete loss mitigation application within XXXX days, if it receives the complete application more than XXXX days before a foreclosure sale. XXXX also failed to adhere to these timelines. 
Failed to alert borrowers about incomplete applications : XXXX is responsible for reviewing borrowers ' initial loss mitigation applications to determine what documents are missing. It must then tell borrowers what documents are missing, usually by sending a " missing document '' letter. XXXX failed to send, or delayed sending, missing document letters to borrowers. 
Miscalculated incomes : Eligibility for some loss mitigation programs, such as a loan modification, is highly dependent on borrower income. If borrowers have too much or too little income, they do not qualify. XXXX routinely miscalculated borrower income and wrongfully denied loan modifications. 
Denied applications for unspecified reasons : Under the CFPB 's new rules, mortgage servicers must provide the specific reason a complete loan modification application is rejected. XXXX policy was to say only " not approved for loss mitigation options by the investor/owner of the loan, '' even though XXXX internal systems contained the true reason for the denial. 
Misinformed borrowers about their appeal rights : Under the CFPB 's new rules, XXXX must provide certain borrowers the right to appeal the denial of a loan modification. But XXXX failed to provide this notice, and it wrongly stated that borrowers have an appeal right only if they reside in certain states. 
Please I need your help I do n't want to lose my house I have no place to go with my children and wife. 
Thank you. 
I really appreciate your time.