WillisBack/dataset-financial-user-claim huggingface dataset:
i discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from XXXX XXXX. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, EQ. It should be noted because XXXX and EQUIFAX is now attempting to be in the XXXX XXXX XXXX they are violating privacy laws sending affidavits to various organizations without the permission of the victim. She requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.
XXXX of XXXX lawfirm called my phone on XXXX/XXXX/17 in an attempt to get information to serve me court documents. I explained to him that I was unaware of who Household Bank was and he laughed. I told him the call was being recorded and he became indignant. He said that he was not giving me any other information other than the name. He hung up on me several times once I tried to get information. These calls are all recorded. He better leave me the XXXX alone. As far as in concerned he 's a XXXX con artist.
I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017
We have been banking at BofA for many years, maintaining substantial balances from time to time. In XX/XX/XXXX, we bought a home in South Carolina and agreed to let the seller rent the home back from us for 3 months at {$2500.00} per month. The final rent check was machine deposited at BofA and reported on our monthly statement as a {$2500.00} check, but 24 days after the deposit, BofA determined our renters check was just {$25.00}, not {$2500.00}, and reduced our account balance by {$2400.00}. BofA tells us to get the money from the renter, but he moved out of the home during the 24 days, leaving us out {$2400.00}. 

Here are the details : The rent check was deposited on XX/XX/XXXX along with other checks, by BofAs machine deposit system. The deposit slip shows the {$2500.00} check. So does our BofA bank statement sent to us on XX/XX/XXXX. But, more than a month later when we received our XX/XX/XXXX BofA statement, we learned that on XX/XX/XXXX, 24 days after the deposit, someone at BofA concluded our renters check was for {$25.00}, not {$2500.00}. 

When we learned of BofAs delayed interpretation of the check, we asked our renter to pay us the balance ; he refused, saying he was sorry and it could have been caught sooner. BofA says we should sue the renter, but we feel certain BofAs negligent handling of the deposit, e.g., accepting the deposit and reporting that acceptance for the extended period ( 24 days ) our renter was still in our home, is the reason we have been shorted {$2400.00}. 

We believe the language of BofAs Deposit Agreement and Disclosures, which we received from the local branch, governs the issue. According to page 25 of that document, BofA reserves the right not to ... adjust ... for ... deposit errors. If the renters check was erroneously drafted, BofA compounded that problem by reporting the check as properly drafted for 24 days, then changing its position and damaging us by {$2400.00}, We can provide documentation if necessary.
I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.
TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status
Gents,, American Express Credit Card reported to XXXX on XX/XX/2017 that I had two late payments ( see attached credit report ) I spoke to customer service regarding the issue.. The account was always paid in full on or b4 the due date..The LATE PAYMENTS WERE THE RESULT OF {$250.00} IN REWARD POINTS IN WHICH AMERICAN EXPRESS TOOK 60 DAYS TO APPLY TO MY ACCOUNT..I spoke to them and they refused to accept their negligence in apply the appropriate credit ON A TIMELY BASIS..

i CLOSED BOTH ACCOUNTS AT THAT TIME ..AFTER 20 YRS..THEY FAVOR THE MERCHANT AND NOT THE CARD HOLDER..
I'm a cryptocurrency trader and I've been hacked right of the XXXX XXXX. I had {$4000.00} and XXXX of bitcoin which was worth about {$1800.00} at the time before my account was completely wiped out. I contacted Coinbase the owners of gdax about the issue as soon as I noticed I had no money in my account. They told me that they set my case as a priority and that I should be contacted in 2 weeks. This all happened XX/XX/2018. It's been almost a month and a half and they still are not taking any action. I give them a call every week and they give me the same answer. They tell me that they set my case as a priority and that I have to just wait. They are not giving me a time of when they'll get back to me and or when I'll receive my refund. I'm just left helpless with a frozen account that I can't trade with it and about {$5800.00} of my money stolen, in which I have no idea when I'll get back.
I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %
On XX/XX/2018 CFPB complaint # XXXX was filed. The complaint requested that USAA report account # XXXX as " paid '' and " closed ''. USAA responded to the complaint on XX/XX/2018 stating information that the loan ending in XXXX was " included in a ChapterXXXX/Discharge status '', yet a balance of {$160.00} was due. This can not be true as you can not Discharge a Chapter XXXX and still have an account balance. Something is wrong here. It appears that USAA is 1 ). Calling into question the competency of the Trustee and Bankruptcy Judge, and, 2 ). Wants payment of {$160.00}. I request further clarification from USAA to what it will take for them to report account # XXXX as " paid '' and " closed ''. In the response to the previous complaint USAA only obfuscates, going over the Chapter XXXX information, ( although their numbers and the numbers on the Chapter XXXX Disbursement Schedule do not match ), and blaming the CRAs for not reporting information correctly - even though the merchant tells the CRAs what to report. Ultimately, USAA does not address why they will not report the account as paid and closed. I have included as attachments the initial complaint, credit report, my Chapter XXXX Disbursement Schedule, and Chapter XXXX Discharge Letter.
Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with this
I filed a complaint regarding the contact methods and collection practices made by National Credit Adjusters on XX/XX/2018 My complaint was successfully submitted and completed. ( # XXXX ) The company responded to my complaint with a signed letter by their legal counselor stating the collection calls would CEASE and any further communications would be in WRITING BY MAIL The letter I received stated, ... In order to resolve your concerns NCA has placed your account into No Calls, Letters Only status which effectively terminates further phone communications in regards to your account. Further, NCA has placed your account into a disputed status which temporarily ceases collection activity while NCA requests the documentation from the original creditor ... 

This letter was signed XX/XX/2018 by XXXX XXXX XXXX ( XXXX ).

Within ten minutes of receiving this notice I began receiving collection calls again with the same claims, and this time I was told I was fraudulent. I informed the representative that they were unlawfully contacting me and proceeded to hang up the phone. 

Clearly NCA does NOT take this SERIOUSLY. 

I have verified ALL my current accounts both in collection and good standing on my XXXX and XXXX credit reports and NOT ONE ACCOUNT is being overseen by NCA.

My concern and wonder is how many OTHER people they are scamming out of money through harassment and unlawful debt collection practices.
I sent a letter to Transfinacial Inc in regards to XXXX XXXX XXXX requesting that they Validate NOT Verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation proving that this debt belongs to me. I have had no direct response and I have contacted multiple times on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX I got a billing ledger in the mail which does not prove that I am obligated to pay them anything. They have consistently continued to report delinquent information sinceXX/XX/XXXX to the credit bureaus which is negatively impacting my score and I am asking it to be deleted.
On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Trans Union states that their policy is to report Voluntarily dismissed bankruptcies, regardless of the chapter filed, for seven years from the date the bankruptcy was filed. 

I have repeatedly reported Trans Union for violating this policy and for not deleting a Voluntarily dismissed bankruptcy that was filed on/about XX/XX/XXXX. 

Trans Union claims they have verified the information in my filed but had they truly done so they would have seen a Motion to Voluntarily Dismiss the proceeding. The Chapter XXXX Bankruptcy was in fact DISMISSED and never adjudicated. 

The 7 year removal date lapsed on XX/XX/XXXX, but the filing remains on my report. This is in violation of Trans Unions alleged policy. Below is Trans Union 's response to my previoulsy filed complaint. 

" We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/XXXX for frequently asked questions about your credit report. ''
I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?
I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.
I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.
XX/XX/XXXX my identity was stolen and used to open XXXX different in store credit cards in a different state then where I live. XXXX of which was with Macy 's. When I became aware of the identity theft I took appropriate actions to have all of the accounts reported and closed as fraudulent. Macy 's is the only XXXX of the XXXX that is still an issue. Since XX/XX/XXXX I have filed a police report and supplied statement of fraud to Macy 's. I am still receiving credit card statements from Macy 's and have called them on numerous occasions trying to resolve this. The statement of fraud was sent on XXXX XXXX via fax and I received a letter from Macy 's dated XXXX XXXX that the claim would be resolved within 60 days. Since then I have received XXXX statements and a collections notice on the account. When I call customer service at Macy 's the first operator always tells me to just pay the bill. I did not open the account nor gain anything from the items that were purchased on the account. I do not owe anything to Macy 's. I received another credit card statement last week and called Macy 's today ( XX/XX/XXXX ) to try to resolve the issue again. Again the first operator told me that I had to pay the account. I spoke to the fraud department that had no record of my issues with this fraudulent account. I was directed to the recovery department which told me they could do nothing because the account was open. I closed the account back in XX/XX/XXXX but since then Macy 's reopened it without me knowing or notifying me. The recovery department referred me back to the fraud department. I called the fraud department back where I was made aware that the account was still open. They said that the 'system ' changed sometime and that nothing was showing on my account about the fraud and my submission of the settlement of fraud. I spoke to at least XXXX people today who were constantly pointing fingers at another department. I am still floored that an operator would tell me that I have to pay it AND that Macy 's sent the account to collections before it was even 30 days due. As of now the issue is still not resolved.
I completed the process for requesting my annual free credit report at the XXXX web-site, but did not receive my credit report. Instead, I received the following uncorrectable and incomplete error : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Discover refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or  XXXX   XXXX , unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
I was given  a {$50.00} Netspend debit card as a gift . The card did not indicate that there 's an outrageous {$5.00} monthly maintenance fee! The entire gift was thereby lost. What an awful company!
Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX
I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.