WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX
I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.
I have been the victim of on going ID theft and have several fraud accounts and info reporting on my Transunion credit report. I please ask that this info be removed and are blocked ASAP. Thank you 1.XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXX, XXXX 4. XXXX XXXX 5.XXXX XXXX XXXX, XXXX 6.XXXX XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8.XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX, XXXX 10.XXXX XXXX 11. XXXX XXXX XXXX, XXXX 12.XXXX XXXX XXXX, XXXX
Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. 

As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. 

They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. 

There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. 

The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.
Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.
On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX and XXXX XXXX.
Carrington Mortgage bought mortgage from XXXX and increased amount paid to escrow even though my insurance and taxes have not risen, They said once paid, I have an escrow balance of {$130.00} but they need it to be {$480.00} dollars so my mortgage payment went up. Can they do this arbitrarily? What is they want my extra escrow balance to be {$1000.00} or {$1500.00}?
I paid our mortgage ON TIME for the month of XXXX, however XXXX has us listed as 30 days late on the credit report.
Contact Date XX/XX/18 EveryDay Checking - XXXX  Partian Loan Number *XXXX XXXX XXXX XXXX XXXX  , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.
Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.
Back in 2008 I purchased a bedroom set with financing for 18 months {$2800.00} through Home Design/ Synchrony Bank . I agreed to automatic billing from my bank account and charged me 18 payments that stated that would pay off my purchase within 18 months. They continued to bill me without me being aware until my account bounced because of these charges. So for almost ten years they have been billing me and Im sure I paid more than double {$2800.00}. They claimed that all I paid was the interest on this account at a rate of 27.99 % which is ridiculously high and I still owe {$1000.00}. I tried to dispute these charges and they would not allow me to. I
I am being contacted by New Era Asset Management about a debt. They have been calling for weeks while I am at work yet I have not received a written notice of the debt or the option to dispute.
I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.
On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.
This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.
I made an agrement to pay/settle my account with XXXX XXXX to stop them from collecting and to have the collections accounts removed from my credit report. To date, they have not done anything and BY HAVING INCORRECT INFORMATION ON MY CREDIT REPORT IT APPEARS THAT THEY HAVE NOT STOPPED AND continue to make attempts to collect and they continue to provide inaccurate information on my credit report thus affecting my score and my CREDIT WORTHINESS AND qualification to obtain credit AND IT SIGNIFICANTLY AFFECTING ME AND MY FAMILY TO PURCHASE OR REFINANCE VA LOAN, IT ALSO RESTRICTING ME TO QUALIFY FOR A JOB.
I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really  worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of  Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Chase posted charges to my account in a way to maximize the overdraft fees they charge. I 've personally witnessed this happen several times before with various merchants so I know this is n't a coincidence especially with other customers online who 've shared the same experience. The lower cost items should be charged first and not re-ordered after the fact. XXXX charged me before XXXX did and at the time it overdrafted me by a few dollars so I made a deposit to cover the charge by XXXX to avoid the fee. The charge was only {$5.00} and after my deposit I had more than enough to cover the charge. The same day and a few hours later XXXX charged me but that is n't what is reflected on my statement. It shows the XXXX charge being posted first which costs more than the amount that was available so it took the money I had deposited for XXXX resulting in a fee and then the XXXX got charged again so that also took a fee. I never got a notification from the Chase mobile app about the XXXX charge happening and I have overdraft protection on. I think this is predatory on behalf of Chase as i stated before it happens all the time and when I do overdraft the fees always snowball because Chase WILL post the larger charges first even if that was n't what popped up in recent activity first which should be ILLEGAL. The only explanation I was given was to start a check registar but I do n't even write checks. I guess I 'm not supposed to trust the Chase bank statement?? Furthermore it is my belief that Chase is purposefully posting charges to my account when I 'm low on funds to maximize the fees. The XXXX charge was done a few days prior but it can be taken out whenever. I 'm sure something in their system shows that pending in that waiting period for it finally show up in my bank account. I have money for the charge in another bank account as I do n't trust Chase with my money anymore so I rely on their notifications to be sent to alert me when they feel like taking money out. This is unacceptable and I will NOT back down.
I left a review of what I felt was a true and accurate statement of the sequence of events that led me to dissatisfied with their service. The company then posts a reply ( retaliates ) on XXXX that shares my personal financial information about my DTI, the fact that I have a car debt and says that my review is dishonest.

My review : I hate writing bad reviews, but integrity means doing what you say you will do. This lender has given me concern about theirs. I was given a proposal in the middle of the day for 15 % down. All the details were provided on the property and income. I rushed to get the contract signed in order to lock in the rate because of the downward trend in rates of late. After submitting the contract, they found they made a calculation error on the ratios and removed a {$500.00} credit for 15 % down with evidence of mitigating factors. I pushed back and when they came back, they took away the 15 % option altogether and offered to only lock a 10 % or 20 % down. I asked, so you're taking the 15 % off the table? Naturally, the agent was embarrassed by what he was told and said he would call me back when he got it figured out. I again expressed my concern about rates and NOT waiting until the next business day. I was polite the whole time and after all that, he had the nerve to email me the bad news, saying that the 15 % option was off the table. He went dark and has been unavailable by email or phone. It's now almost XXXX ET and he still hasn't followed-up.

Their followup : Aurora Financial Loan Denied : Client wanted a 15 % down payment loan. His Debt to Income ratio was 48 %. DTIs must stay under 45 %. Client was advised 2 days ago to pay off a car loan and we could proceed at 10 % down. His DTI would be under 42 %. Client didn't like that option. Our Compliance Department has verified emails and phone records to prove client was fully engaged and was presented this option. This review is dishonest.
Dear Sirs, I really need you to help me in this matter with this bank of america with which you have been in possession of my money since XX/XX/18 I received as follows the images of the documents that sent me saying that my XXXX XXXX dollars positive now the bank tells me that I still have a negative balance at XXXX XXXX dollars, absurd!! 
I want to point out that the bank, when we open an account is to protect us, have the money protected against burglary robberies etc. and so the bank uses our money for other purposes by making profit in its operations to third parties. 
When you have a cloned card the bank returns the money used improperly because it is a problem in cloning the correct card!!! 
Now in my case the bank wants to take my money being that I used the bank system to receive money in my account, assets that I sold and what is worse I sold to different people and the bank is saying that the two operations were FRAUD, like if I made the receipts on the banking system of them, if this there was FRAUD the bank has to assume because the same received and confirmed in my current account, as in the example of the cloned card!! my case is worse than the example given of the cards, because I had my account besides my money stolen by the bank of america itself still left it negative!! I can not stay in the prejudice being cloned account of their clients or the system of the bank had flaws they are responsible yes and I want my money back. I ask you in this case to intervene against the bank of america to reverse this situation with which they put me without giving me documents that prove FRAUDE, even if there were the bank is responsible for the operation carried out in its banking system and not refrain from your system and tidying your way and throwing the problem to your accountant of one thing that did nothing wrong with any of your operations, for me, it makes clear the evidence of the facts to be two completely different and unfamiliar people and to handle everything as FRAUD!! so it leads me to believe that the problem is in your failing banking system and I can not be harmed and misled in this way.
I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer  XXXX   XXXX   XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance   XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.