WillisBack/dataset-financial-user-claim huggingface dataset:
In  2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first hou se or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
I discovered fraudulent activity on this account on my Home Depot account in the amount of {$22000.00} the balance on this account should be one thousand or less. I reviewed my statements from XX/XX/XXXX to XX/XX/XXXX and fraudulent activity starting from XX/XX/XXXX to XX/XX/XXXX.
XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.
I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )
I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}
Equifax is incorrectly showing an amount for collections for a XXXX card. This card was closed an paid and the amount was transferred to a new card. This should be removed from the credit statement. Both XXXX and XXXX are not showing this.
In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I  applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. <P/>The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60  days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. <P/>120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX  balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. <P/>After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.
My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.
Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed.
Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us
I sent in my payment within the grace period and did not know that I could not send it in two parts. Thus, the company sent the funds back in a cashier check over 2 weeks after I had made my XXXX payment for loan XXXX. They had me sign stop payment forms for their cashier checks so that they could reapply funds to the loan. I did so and emailed back on XXXX. But due to their systems firewall they were not able to open the attachments. I have since, emailed it to them 7 additional times in a pdf and they still can not open it. I have proof of all emails and dates sent. Now they are telling me that it 's my problem and I have a late payment that they will not fix and I have to dispute it. Even though it was sent on XXXX and they could not open it due to system constraints on their end. This is not the consumer 's problem, and as an elderly person I feel I am being treated unfairly and unjust. How as a consumer can you trust a company that is held accountable for my payments and yet they can not open my email. This hardly seems like a reputable establishment. They also do not give out their names when they speak to you on the phone. It is there practice not to share names or escalate a call to a management member. I ca n't help but wonder what they do to other elderly customers that they work with. This seems fraudulent. I have asked them to send me the paperwork that shows I can not make my payment in half and they have not done so. It has been a month and nothing received. What are they hiding?
The Department of Justice instructed you on XX/XX/XXXXabout the criminal and looting activity of this filthy lying firm to investigate their criminal activity since is a custom of those lair to defraud people lie to their own clients def-rod them and find guilty at the superior court of PA and this was done together with the criminals from XXXX the most corrupted looter organizer on this planet.I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a  XXXX year old lady for a balance of only {$0.00} and a XXXX  person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently. I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX  named XXXX XXXX XXXX. was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/2016 about those activity.
I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs
I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

Thank you, XXXX XXXX
My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?
Our current mortgage payment was increased from {$1600.00} to {$1900.00} within a 2 month period due to escrow. We have never had this level of increase. We informed the mortgage company that we could not sustain payment at this level and submitted a request for modification. In the meantime, my husband also lost his job and then was in the hospital. We updated the mortgage company, still requesting help/relief. This process began in XXXX 2016 and to date ( XXXX/XXXX/16 ) the mortgage company ( Greentree/Ditech ) continues to go back in forth with us requesting additional information, updated docs, etc. Their inefficient and careless handling of our request is causing unnecessary and undue stress. When the request was originally made, we were current with our payments and struggling to keep current. Now the payments are 3 months delinquent and we are facing foreclosure of our home of 21 years - the mortgage company continues to go back & forth with us. I will attach a specific listing of the progression of events with the mortgage company. Your assistance is greatly appreciated to favorably end this stressful 8 month request-process. Thank you. 
( MY MORTGAGE IS CURRENTLY A HOME EQUITY LOAN AND THUS WE HAVE EXPERIENCED PROBLEMS IN THE PAST WITH TRYING TO GET SOMEONE TO REFINANCE. WE WERE UNAWARE THAT THE MORTGAGE COMPANY AT THE TIME WE REFINANCED A FEW YEARS AGO, CHANGED OUR LOAN FROM A REGULAR MORTGAGE TO TOTALLY AN EQUITY LOAN. )
letter(attached below)from Equifax shows that Case or ID#-XXXX was deleted
from the credit file.Item has reappeared on the file.
" " '' I have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.
Equifax has failed to investigate the fraudulent activity on my credit report. I have sent them the FTC report, Identity Theft affidavit, and my identification documents and I have not heard anything from them. The FCRA states in the event of identity theft, credit bureaus have days 4 to investigate the credit file and notify the account holder. They are in violation of the FCRA.
I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
I reviewed my credit reports for XXXX, XXXX, and XXXX   in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports.

Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX   report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.