WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report split into XXXX reports because it was too large and was supposed to be made into XXXX report again. I just got a copy of my report and there are a significant number of accounts and inquiries that should be appearing on the report that are still missing. Additionally, information for some accounts is not feeding in properly, not showing updated for months when it has been updated, I believe because it is feeding into the XXXX report.
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
I do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : XXXX
On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.
This company recently purchased my XXXX mortgage. Was in contact for a month or more regarding my intent to refinance from an old XXXX to XXXX loan. At the last moment, they added the payoff to the loan as a " monthly payment '' to XXXX causing my debt ratio to go XXXX %. My credit score averages around XXXX. They lied saying they did not report it. XXXX confirmed that they did. No help at all with customer service and rude on top of that. Fortunately, the refi went through but the rest of my credit is locked down due to this entry which every banker, loan officer and XXXX rep has said they have never seen done before. Account showed to be current with XXXX but still posted the {$83000.00} balance as a payment due. The refi closed on XXXX XXXX, 2016. The funds were distributed XXXX XXXX. The company, Specialized Loan Services, apparently does n't have the capabilities to have the funds wired so their check had to be overnighted. I called them on XXXX XXXX to confirm receipt. Their automated system advised me that they received my payment on XXXX XXXX in the amount of {$340.00} ( the usual monthly payment ). This indicates to me that someone decided to enter the {$83000.00} and not just a " system '' procedure as they tried to tell me. I confirmed with an account rep that the entire balance had been received and the loan paid in full. However, when I asked when I could expect the ridiculous credit report entry to be removed I was informed that they only file with the credit bureaus on the XXXX of every month and that they would not remove the {$83000.00} until XXXX XXXX. In other words, they have their money but the still believe they should be able to lock down my credit until XXXX XXXX. This company has been rude, impossible to deal with and judging by their google entries have been practicing this way for some time. Articles entitled " SLS scam '' and such are prevalent. All I want is for them to remove the ridiculous INTENTIONAL entry made on my credit report so that I may continue my financial activities. They are paid in full. I can not even obtain a gas credit card at the moment because of my XXXX % debt ratio due to their dirty entry despite my high credit score. This is unfair and should be able to be corrected with a phone call or simple report to XXXX. And they are rudely refusing to even entertain the thought. Please help me.
I submitted complaint # XXXX. I received an email on XX/XX/XXXX at XXXX stating that PNC responded and needed additional time. A second email came in at XXXX stating that a response had been received and the case was closed. No response from PNC was received only a copy of my complaint. 

Due to this error I am submitting another complaint for the same reason as the above case number. 

In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. This has now been changed to XX/XX/XXXX. Also, in the hearing held on XX/XX/XXXX and XXXX, PNC representative stated that she did not know what happened to my payments.
Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me.
A Mortgage Company has conducted a modification behind without my consent. The primary account holder did not advise me that a modification was happening. After doing research and receiving documents from the loan, I noticed that the modification agreement was only signed by the primary account holder and the co-borrower did not sign the document for the agreement to move forward. I did not sign the modification. The Mortgage Company went ahead and did the loan modification without my consent and it shows that my name was crossed out from the modification. I fell that the Mortgage Company is still reporting on my credit report I fell that this loan modification was done illegally.
I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.
This company has been calling my phone for XXXX XXXX, my name is XXXX XXXX. I have an XXXX XXXX XXXX whom I do not communicate with. I have received calls on my phone at XXXX am, XXXX pm and have tried to reach them back to STOP the calls. This morning my phone rang again at XXXX am, it was them again. I had blocked a previous number and they used a no caller ID number. I asked the person where or how they got my number, they refused to answer the question. I am not XXXX XXXX, they asked numerous times to leave messages, it is becoming a harassment situation. These people are out of control. They have now promised to stop calling me, but I do not believe them. I asked for a supervisor and he also refused to give me any information.
I am requesting for the last time with this notice that the following inaccurate items be removed from my credit report. XXXXAccount Number : XXXX.The item are not correct result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Experian for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. You responded to be on XXXX via email with Outcome : Remains. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file.
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
Nationstar Loan # # XXXXXXXXXXXXProperty : XXXX XXXX XXXX XXXX . 
XXXX NC XXXXRE : The Short Sale Lender has Address incorrect in their system and will not correctWe have requested a correction to address and sent in supporting Nationstar documentation that reflects the correct address. Nationstar Deed of Trust, XXXX County Legal Tax Record and Nationstar Mortgage Statement. It is imperative to the XXXX Attorney & XXXX XXXX to have the correct address reflected for consistancy for the borrowers protection and future liability. We need you help enforcing these title corrections. All of the Nationstar correspondence has the correct address. No manager no escalations will help us. Once we convey the property, no insurance, no title nor coverages will be valid with this incorrect Nationstar data entry. CUSTOMER SERVICE WILL NOT PROCESS THIS XXXXXXXXXXXX - XXXX XXXX XXXX. 
XXXX XXXX ( 13 days ago ) Your " REPLY '' will be sent to XXXXXXXXXXXXHello, The address has to be corrected via customer service. I can not change the address. Customer service will require proof of the incorrect information and verification of what needs to be corrected. The original loan documents were accepted with the error. 
The number to customer service is XXXX XXXX XXXX. XXXX Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?
Equifax is reporting a PAID FEDERAL TAX LIEN which is beyond the statute of limitations according to The Fair Credit Reportin g [ 15 U.S.C. 1681c ],  which lists items that are to be EXCLUDED from consumer reports. Item number  XXXX  states " Paid tax liens which, from date of payment, antedate the report by more th an seven year s. '' ( The original filing date of the lien is  XXXX . The lien is satisfied, and should have been removed in  XXXX , 7 years after the filing date. ) Additionally, Equifax is simply reporting this a  Federal Tax Lien  with no notation that it is paid.     On  XX/XX/XXXX  I submitted an online dispute with Equifax, which to date, still shows my request is " pending. '' Equifax #  XXXX .     On  XX/XX/XXXX , I called to ask what was happening with my dispute and why it was taking so long to resolve. At that time, I was told that this item would remain on my report 7 years from the date I paid the lien. I argued with them, and Equifax representative took a secod complaint over the phone. #  XXXX . Their resolution was that they confirmed the lien with  the County Recorder 's Office.      Though I have provided a copy of my Relea se of Federal Tax Lien notice , and cited the Fair Credit Reporting Act, Equifax is refusing to remove this from my credit report.     I would like to note that it took me less  than 5 min utes to dispute this  with  XXXX  o nline. They removed it from report the following day, and e-mailed a link to my revised credit report.
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I sent JP Morgan Chase a QWR/Notice of Error/Information request on XX/XX/XXXX via Certified registered mail. 

The following documents were requested from my loan file : Sr No Request for Reason for request 1 Any/All MHA loan assistance Applications ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX. Attempts to modify loan 2 Any/All MHA loan application Denial Letters sent by Chase during all of the period of this loan. Receipt of Chase responses 3 Any/All Credit Reports and any other information ( e.g., property valuations, asset valuations, US Treasury requests, account verifications, worksheets, notes, etc ) used to determine denials of ( 2 ), above Information used by Chase to determine denials 4 Any/All MHA loan application Appeals/Reviews/Reconsiderations ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX My follow-up attempts 5 Any/All information ( e.g., Credit Reports or any other information ) used by Chase to send any other refinancing offers ( i.e., non-HARP refinancing ) during the whole the life of this loan. Information used by Chase to send promotions 6 Any/All copies of all HARP Refinancing Promotional letters mailed to me via USPS Priority Mail during the years XX/XX/XXXX till XX/XX/XXXX. Chase refinancing attempts or contacts with me 7 Any/All Credit Reports or any other information used by Chase in determining that the above promotional letters in ( 6 ) above be sent to me. Information used by Chase for promotional offers 8 List of all dates & times that I made contact with Chase personal over the phone or personal visits to seek loan assistance, during the period of XX/XX/XXXX through XX/XX/XXXX Record of non-written attempts made by me to modify my loan due to hardship 9 Any/All information used by Chase in oral/verbal denials of loan assistance made by me in ( 8 ), above. Record of non-written denials made by Chase 10 Any/All other loan assistance options considered by Chase for this loan during the life of the loan. Options considered by Chase 11 Any/All information used & reasons for disqualifying me for loan assistance in ( 10 ), above Inputs & decisions considered by Chase On XX/XX/XXXX I sent a second QWR request for the following : Sr No Request for 1 Copy of Mortgage NOTE of XX/XX/XXXX 2 Recording/Transcript of phone call between me and XXXX XXXX of XX/XX/XXXX 3 Recording/Transcript of phone call between me and XXXX XXXX XXXX of XX/XX/XXXX I called the executive office of JP Morgan Chase last week and also followed up with an email request on XX/XX/XXXX. I have not heard back and neither have I received the above documents I have requested. 

Even though JP Morgan Chase is of the opinion that an error has not occurred. I disagree because there was no property valuation done XX/XX/XXXX and I was never sent any worksheet or any other inputs/outputs of their review XX/XX/XXXX. 


I need all the above information requested to determine the process followed XX/XX/XXXX to educate me on how and whether I should proceed with a new loan modification XX/XX/XXXX, if any.
BBVA Compass Bank initiated an unnecessary legal action, by a XXXX manager that resulted in outrageous legal bills that I had NO control over. I should mention that prior to this incedent, I was a BBVA Compass customer for over 10 years without XXXX blemish through XXXX of loans and mortgages. During the litigation process, the bank and its outside counsel conferred frequently and needlessly known full well that under the original loan documents, I, as the borrower, would be responsible for the legal bill. I firmly believe that this legal bill was extremely inflated and I was forced to pay the full amount of {$50000.00} when I paid off the loan. What is disturbing is that the bank refused to provide any documentation or copies of legal bill at closing, stating if the full amount was not paid, immediate foreclosure would be executed. I repeat, I was forced to pay {$50000.00} WITHOUT any copies of legal bill. 
The bank claimed legal bill of {$50000.00}, My legal bill from an attorney I was forced to hire to defend this unnecessary action was less than {$14000.00}.
I have an account with Care credit been paying {$100.00} every month, I finaly owed {$300.00} and was going to pay it all off when i looked in my account care credit charged me {$250.00} interest rate!!! How is that even legal!!!! This company needs to be shut down!!! I was never explained that a 95 % apr was going to be charged after certain month period this is a scam and rip off company, and you cant even talk to a live person over the phone. Dont ever apply for care credit!!
The ACH amount owed XXXX XXXX was wrongly paid to New Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, New Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.