WillisBack/dataset-financial-user-claim huggingface dataset:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is 18.95!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX Please make these XXXX, yes all XXXX bureaus, make things right for people who only have their credit to rely on, working their single butts off, paying ungodly amounts for rent, who pay their bills, etc.
The company is alleging I owe a debt from a payday loan, While I did take out payday loans in Nevada in the mid XXXX all of these loans were paid. Not to mention that they are barred by the statute of limitations on debt collections past 6 years. The company refuses to produce any evidence of the loans and are insisting that criminal actions are being filed unless I pay them money. Repeatedly calling, harassing and cursing at me. I am an attorney and I know this is against the law.
So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.
I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. 

Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.
On   XX/XX/XXXX  I was offered and granted an administrative forbearance by Fedloan from  XX/XX/XXXX to  XX/XX/XXXX  ( see attached ). After filing a complaint with CFPB on  XX/XX/XXXX  to ask that Fedloan 's negative reporting to the credit bureau be removed because of inaccurate information, Fedloan removed the preciously approved Forbearance two days later and with no specific information to indicate why - see attached letter dated  XX/XX/XXXX .      My most current bill dated  XX/XX/XXXX  ( attached ) shows a balance due of {$1300.00}. This is an odd amount but presumably covers   XX/XX/XXXX  and  XX/XX/XXXX  pay ments due. I am still pending a lower payment from an IDR request made early    XX/XX/XXXX    and was advised to not make payments until the lower amount was approved. The estimated lower payment pe r Fedloan was approximately {$280.00}.      Finally, I am attaching a screenshot taken today which shows my account status with a payment of {$6200.00} due by   XX/XX/XXXX .      This is outrageous and only causes further hardship for me. There is absolutely no way I can pay this amount of money and the expectation to do so only places me at imminent risk of further negative reporting.     I am also beginning to wonder if this action is a form of retaliation because of my complaints made through your agency. Perhaps they would rather sabotage the good standing of my account by removing the forbearance rather than own up to their inaccurate record keeping and correcting their negative reporting to the credit bureaus.     The level of incomplete and inaccurate information contained in my account and the prior negative reporting which is currently under review - is a huge obstacle in my applying for a mortgage loan. This confusion and incompetence has been going on for  five months  now.
On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a  charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX  and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.
I opened a credit card on received it on  XXXX   XXXX   2017 , I was billed a {$75.00} annual fee on  XXXX   XXXX   2017 . On  XXXX   XXXX  my account was closed by the bank.   I asked to have my annual fee refunded and was advised that after the statement date I would be receiving the {$75.00} back. on  XXXX   XXXX  i Reached out to the bank and was told that i would not be receiving a refund.
I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the BBB complaint below.
This complaint is against Trans Union. 
I have contact Trans Union in number of occasions of an abnormality with my credit report. 
I am enrolled with a credit monitoring with TransUnion, named " True Credit. '' Whenever there is a change, new account, major derogatory listed, account information posted on my credit report. I will get a notification. When I opened several new accounts in the past, for whatever reason - they will never show up on my TransUnion credit report - however I will get a notification that it did. So, a few months ago, I requested my credit report from TransUnion and a huge envelope arrived - with XXXX credit 'profiles ' attached to my social security number. I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting TransUnion to fix this - however, I will get the same automated response by them sending me a new report with no new information updated. Additionally, I have attached my reports with the " You have been on our files since : '' circled XXXX/XXXX/XXXX - I was a minor at the time, XXXX years old! 
XXXX/XXXX/XXXX XXXX/XXXX/XXXX Each report has its own information. 
This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. I would like to add, whenever creditors pull my credit report - it appears to them that I have filed bankruptcy, which is not true. I believe that Trans Union has committed and violated federal laws - and concealing what is actually on my credit report.
We have had a mortgage with Chase for five years. I 've always paid the mortgage the first of the month. We now have almost XXXX % equity in the house ( tax value was given as {$470000.00} and we owe {$220000.00}. ) so first I wanted to refinance to get rid of the PMI and then to take out some equity to get out of debt due to medical bills. I contacted Chase to refinance and was told that it was preapproved and I sent the necessary documentation ( pay stubs, tax returns, etc. ) During the past nine-ten weeks they have repeatedly contacted us to tell us everything was fine and they did n't need anything. Then I was contacted and told they were not going to take the amount I pay for my student loans they were going to use a different calculation and now my debt to income was too high. I agreed to make some other changes to the loan, and it went back again. They told These changes included paying something else off and other changes. They then came back today and said that on my tax return ( that they have had for more than 8 weeks ) I have some business expenses I claim on my tax returns and that they were going to take this amount off of my income. Because of this new calculations my debt to income ratio was off again. The final loan was going to be {$80.00} more per month and would eliminate basically all of my debt BUT they still wo n't approve it. REMEMBER I ALREADY HAVE A MORTGAGE WITH CHASE AND PAY IT ON TIME. 
Chase is the WORST company to deal with and it appears they are making up the rules as they go along.
I received a call on XX/XX/XXXX from an unknown number the caller left a message stating I need to make myself available on XX/XX/XXXX between XXXX and XXXX ... So I can sign seal documents also have a witness available ... if I was n't available they would proceed to my job ... I was also prompted to call XXXX ... .creek side recovery ... it was a very unprofessional call as I spoke with the person who said I needed to pay XXXX on aXX/XX/XXXX debt ... he placed me on hold to supposedly be speaking with the company ... .came back and said the company would settle for XXXX .... Due XX/XX/XXXX ... Gave him card # ... To collect they were very very direct with me ... I feel threatened because not only do they have my number but my address also ... ..
Experian responded to a dispute that was submitted but the information is not reporting to what they indicate is the time period. There is an account that they are reporting and it's been seven years from the first missed payment. I have attached their response along with what they are reporting to show it should not be reporting. There is a XXXX XXXX XXXX and a XXXX XXXX both are over 7 years and one is over 8 I need them to remove it like they are suppose to I have been fighting this for some time now and they continue to report aged accounts. The XXXX XXXX XXXX shows it started to be late in XX/XX/XXXX and then XXXX XXXX was actually charged off in XXXX so the payment would have been past due long before the charge off.
Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX XXXX XXXX in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And Transunion and XXXX refuse to remove it.
Dear Consumer Financial Protection Bureau : JP Morgan Chase Business Banking has been charging for ACH services ( XXXX/month ) that we were not signed up for. When I looked into the unrecognized charges for the ACH service I clicked the ACH section of the site. It was clear that we were not signed up : ACH Collections Enrollment Please note ( see screen grab attached ) : " We can't enroll you quite yet. Please call XXXX to finish enrolling. If you've been our customer for less than 6 months, please provide at least 2 months of checking account statements from  your previous bank '' When I talked with Chase they refunded 4 months of charges " as a courtesy '' but would not refund beyond that. They have been charging me for a service never available to me to use as I have never been enrolled in their ACH service. It's not even accessible as to access it through the online banking site. 

I can see a total 27 charges online which is a far as the system allows. ( See screen grab attached ) I assume there are many more predating these. This appears to be similar to XXXX XXXX fraudulently signing up/charging for services without the customer 's request or consent. 

This may be an isolated incident but it may be widespread.
I got an unauthorized hard credit check on my account earlier today from Syncb. 

After searching online I found that some other people had the same issue and we're unable to fix it by calling the company and they would transfer the call in an endless loop. 

The final solution seemed to be reporting to consumer finance. 

I have no idea who this company is and why they have done a check on my credit.
Quality Loan Service Corporation - has no record of bankruptcy stay and or proceedings from XXXX or XXXX QLS received information after complaint filed XXXX -which raised more questions QLS - email provided in XXXX makes no mention of bankruptcy stay, notices or correspondence to or from any bankruptcy proceedings ( attorney etc ) QLS has not provided any documents correspondence with XXXX or XXXX - stating to proceed with foreclosure XXXX was out of business in XXXX according to SEC noticed I received - the request would have had to come form XXXX After QLS response raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid-no notary negligence The Trustee Deed Upon Sale as not being valid-notary obligation not meet-notary negligence QLS - stated below in email someone instructed them to foreclose while I was in bankruptcy stay- Who? and what date? and where is the letter? 
I am also forwarding information to bankruptcy fraud and all appropriate agencies Here is what Quality Loan Servicing emailed on XXXX XXXX, XXXX prior to massive research and discovery. 
It disappointing when a homeowner in trust agencies and people when signing the agreement. The trustee is to be neutral for all parties involved. QLS has stated very personal comments instead of assisting to correct its errors, and mistakes. 

XXXX XXXX, Quality was the trustee and therefore does not now and has never been in possession of your original Deed of Trust or Promissory Note. We do have a copy of the Deed of Trust, which I have attached for your review. As you can see, the original beneficiary of your Deed of Trust was XXXX XXXX Bank, XXXX. I have also attached a copy of the Assignment of Deed of Trust, by which XXXX XXXX assigned your Deed of Trust to XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. The assignment was done on XXXX XXXX, XXXX. 

Also on XXXX XXXX, XXXX, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust substituted Quality as trustee, as indicated by the attached Substitution of Trustee. 

Quality processed the foreclosure and held a sale on XXXX XXXX, XXXX and the property reverted to the beneficiary, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. However, Quality was thereafter instructed by the beneficiary to rescind that sale, so it recorded a Notice of Rescission of Trustee 's Deed Upon Sale on XXXX XXXX, XXXX. Both of these documents are attached for your review. 

Quality thereafter was instructed to re-notice the sale and proceed with the foreclosure, which it did on XXXX XXXX, XXXX. By that time, XXXX XXXX XXXX, NA had merged with XXXX, which is why the Trustee 's Deed states that the property was conveyed to XXXX XXXX XXXX, XXXX XXXX as successor by merger to XXXX as trustee for XXXX XXXX. 

I have reviewed your foreclosure file and do not see any defects in the foreclosure process. Although Quality does not maintain a copy of the Note in its file, I acquired a copy of your Note from the lender, which I have attached for your review. 

My XXXX Number is XXXX.
Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio. 

Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ... 

XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our  mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used. 

We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print. 

The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report. 

When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ... 

XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive. 

After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/XXXX, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.