WillisBack/dataset-financial-user-claim huggingface dataset:
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Bank Of America was paid the full amount of the note XXXX on XX/XX/XXXX by HUD. On XX/XX/XXXX Bank Of America sold the note to XXXX XXXX and on XX/XX/XXXX sold the note to XXXX and my complaint is that XXXX XXXX is now trying to collect on a note that has been paid since XX/XX/XXXX. I have also been informed that they are not a licensed debt collector
Although I never missed a loan payment and was making timely payments under a qualifying repayment plan, XXXX XXXX/Navient failed to inform me that my payments did not qualify as part of my 120 qualifying payments towards the Public Service Loan Forgiveness ( PSLF ) program. I had to move my student loans and consolidate them under XXXX XXXX. XXXX XXXX/Navient continued to mislead me by failing to inform me that the 120 qualifying payments would start again at zero ( 0 ). I had made close to 60 qualifying payments, which effectively " disappeared '' and now I am back at square one. My date of eligibility for loan forgiveness increased by a 5-year period plus interest.
I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

XXXX
I have a few hard inquiries that I dont recognize from the past years and recently this year 1 hard inquiry is from XXXX XXXX XXXX, XXXX I Never Gave These People my information in person or over the phone. Another hard inquiry is from XXXX XXXX from XXXX XXXX XXXX I Never Gave This Company no information for me to have a hard inquiry. XXXX XXXX is another unrecognized inquiry on XXXX XXXX XXXX. Also I see a hard inquiry from XXXX XXXX XXXX and Capital one auto finance on XXXX XXXX, XXXX And XXXX XXXX, XXXX were both hard inquiry I dont understand why I have so many hard inquires from Companys That I Never Gave My personal information To. Could I please get them hard inquiries removed so that it wont affect my credit score in the future. Thank you for your time XXXX XXXX
First week of XX/XX/XXXX I received a letter in the mail stating that XXXX XXXX XXXX XXXX would soon become American Express XXXX Honors " XXXX " ( not sure if that is correctly spelled ) card. I assumed that XXXX XXXX  would close my account, send me a bill and Amex would send me a new card. None of this happened. Instead I am flying out for work and my card didn't work any longer. I called XXXX bank from the airport and they explained that XXXX sold their account to American Express and XXXX has no way of viewing or sending me any other information. Everything is now in the hands of XXXX. I call XXXX with a number provided by XXXX. After a half an hour of talking to them and explaining that I have not gotten any info from them or a card. They said they would rush one to me as I returned from my work trip. Nothing came. I called on Tuesday XX/XX/XXXX and it was supposed to be to me no later than Sat. XX/XX/XXXX. I called back from the airport on my next trip and again another half hour and three reps and I told them to close my account and bill me. Then they sent me to another rep who started all over again. Then they emailed me after and I returned the email to close my account and bill me. I don't want to do business with this kind of company that can not be professional and responsible. I don't know what to do at this point. I want my bill so I can pay it off and close the account. But I keep getting no where. 

Can you help?
The Equifax data breach on XXXX/XXXX/XXXX released my data to unknown people and putting my personal information in jeopardy.
They claim that I have late payments with XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX.XXXX XXXX. I have disputed several times asking them to validate these non payment or late payments accounts and they have yet to do so. I've submitted letter, bank statement and copy of money order and certified mail showing proof that I never paid late. I also have confirmation from faxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise.
I received A letter in XXXX 2017 stating that I had that which was to be collected for my insurance company. However I contacted the company and my insurance company at the time and my pharmacy and was not able to find any payments that were due. The letter said that my insurance company did not cover me at the time of the prescription however after calling the pharmacy and the insurance company is verified that I was covered and they do n't see any charges showing that I owe money. When I talked to the insurance company they tried to call the number on the letter and it just kept ringing and saying to get a number and they will call back. The person at the insurance company said it seems like it must be a scam because I do n't owe them money and this phone number just kept ringing and saying to give my phone number.
I am formally writing this letter of complaint to you in regard to Equifax Credit Bureau. 

Equifax has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$190.00}. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Equifax in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Equifaxs failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Equifax was also furnished proof that the XXXX ( account # xxxxxxxx ) in the amount of {$190.00} was in fact disputed and DELETED from my credit report by XXXX  and XXXX  SINCE XX/XX/2018 ; ( I will re submit the proof of deletions via attachment ). However, Equifax continues to carelessly and negligently continue to post that inaccurate account ( {$190.00} ) to my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Equifax immediately delete all the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored. 

Note : This CFPB complaint is solely directed to Equifax Credit Bureau. 

Thank you.
In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX  in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
- XXXX XXXX XXXX XXXX, 2015
I applied for a refinance with Freedom Mortgage. They received my application and they sent me some documents out for me to review and sign and return, which was done. They received another email saying they received it and needed another document showing whats called a subordination from XXXX XXXX XXXX XXXX. Then they informed me they were awaiting the subordination package from XXXX XXXX XXXX XXXX which was XXXX 2016. Freedom Mortgage continued to send me emails saying that they were waiting on the subordination from the XXXX XXXX XXXX XXXX. The last email I received from them was in late XXXX. They said they were still awaiting subordination from XXXX XXXX XXXX XXXX. Having concern about it, I called the XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX informed me they were not in receipt of the subordination and that was in late XXXX. I provided a contact phone number to XXXX XXXX XXXX XXXX for Freedom Mortgage. The XXXX XXXX XXXX XXXX informed me that due to my request and the situation at hand or words to that effect that they would contact Freedom Mortgage on submitting a subordination request. It was late XXXX that XXXX XXXX XXXX XXXX informed me they would send out the request. The XXXX XXXX XXXX XXXX contacted me to let me know that they were in receipt of the subordination request from Freedom Mortgage. XXXX XXXX XXXX XXXX further informed me that they would expedite it on my behalf. The XXXX XXXX XXXX XXXX called me to inform me that they finally received the subordination request. Approximately 2 days later, the XXXX XXXX XXXX XXXX stated that they received it and had a few questions of me. I proceeded to answer the questions and XXXX XXXX XXXX XXXX they would expedite and submit it to Freedom Mortgage. My question is why did they tell me they would submit a request in early XXXX, and did not actually submit it until late XXXX, after I called. Freedom Mortgage informed me through telephone call and some kind of post-it note I received on my door, I was authorized to miss XXXX mortgage payments, which Freedom Mortgage denied later. I sent copies of the notice I received on my front door. So I been getting the emails constantly that they found some errors in the subordination, but those errors were not on my part. Then they emailed me again saying errors had been corrected and they were going to forward it for approval to the title company and this was going on for XXXX3 weeks. Now we into XXXX and they keep saying that theyre awaiting on the approval from the title company which I believe was another prolonged setback on closing my refinance. In XXXX of 2016 I received an email from Freedom Mortgage informing me an account must be current in order to close. Due to the prolonged delays and setbacks, I missed XXXX and XXXX payment due to this setback which resulted in Freedom Mortgage that they were going to withdraw their refinance request. And I was appalled at their actions because of the prolonged setbacks.
XXXX XXXX  has 3 accounts still listed on my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ). All 3 accounts show a balance of {$0.00}, but report as charged off. Despite contacting the company numerous times, these items still report. I am wanting to buy a house soon, and these 3 accounts are still showing up, and weighing my score down significantly. I have had other companies remove paid collections, but it seems XXXX XXXX only wishes to report paid collections out of spite. The 3 accounts are a XXXX, a Paypal Extra 's MC and a XXXX XXXX XXXX. 2 accounts were closed on XX/XX/XXXX, and Paypal Card was closed on XX/XX/XXXX. Despite over 3 years passing since these accounts were closed, they are still damaging my credit.
On or about XXXX 2016, I received a call from XXXX about my son 's phone bill that was past due by XXXX. I had signed for the phone account. I gave them my sons girlfriends phone number to contact him since they had his phone shut off. I never heard another word from XXXX. I never knew it went unpaid. My son lives in Illinois and I in MS and we do n't talk a lot. I did not know anything about a collection until I checked my annual credit report a few weeks ago. They had my phone number, they could have called me back, they could have said we need you to pay or it will be sent to collection but none of this happened. I was living in Illinois at the time he got the phone trying to take care of him because he has a mental illness but was able to come home shortly after getting the phone account for him. I had my mail forwarded but never received a bill from XXXX. 
I have very good credit and have worked for many years to get it that way. There is no way I would ever let a bill go to collection. I feel like I have been wronged by XXXX. I would have been more than willing to pay the {$300.00} rather than ruin my credit I worked so many years to acquire.
I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.
I have already filed several complaints about AES/PHEAA. I was notified by a XXXX XXXX let @ XXXX, who pretended to be from your office, he said he was from CFPB. I found out this morning he is n't from your office, but is actually works at XXXX. 

This has wasted weeks of my time. They AES/PHEAA confirmed and admitted ( see attached transcript of XXXX, conversation at XXXX ( XXXX ) with XXXX that proves they verified the loans are not mine ) the student loans they had XXXX, and collected on, and reported negate credit reporting in my name are in fact, not mine. 
They conclued their investigation on XXXX admitting they made a mistake and have my name on soneone elses loans. I these XXXX loans total {$10000.00}, original amount. My XXXX loans I got was total {$3500.00}. We proved by providing AES/PHEAA, this with my original promissary notes I located recently, the XXXX of my college provided AES/PHEAA with their original shoeinf amounts of my XXXX loans which show different dates and amounts, the dates and amounts are not even close to matching these loans they have in my name, The original lender, XXXX XXXX Bank notifying AES/PHEAA, they never issued me a student loan, and original Loan Guarantor, XXXX, notifying AES/PHEAA, they never were guarantor of my loans. 

XXXX straight forward. But today, this person, XXXX XXXX, told me they know these loans are not mine, and they refuse to remove my name off these XXXX loan 's and correct their mistake, essentially forcing me to pay these loans off, bucause in XXXX they sold the loans to XXXX loans. 

This is absurd, first protruding to be this office, and then refusing to correct their mistake. 

Please for the love of XXXX will soneone from your office call me at XXXX, today. I am a XXXX vet and they are knowingly discriminating against me. 
Pretending to be you.
Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.
I put a credit freeze on my Experian account because of the data breach. 

It took hours to remove the freeze, which is crazy. There was very little information I could find on their website about how to remove it - just a phone number it said to call. When I called the number it was an interactive voice response system and didnt give me any options to remove the freeze - was simply trying to sell me their paid service for credit monitoring. It was very obvious that their intent is to make it difficult and inconvenient to remove freezes, which are free, with the hope that customers will get frustrated enough that they will sign up for their paid service. 

After I finally found a different number to call by searching XXXX for Talk to a live person at Experian, I got through to a person for the first time, after finding out why I was calling the call mysteriously disconnected the call and I had to start over again. 

It took hours to simply lift a freeze on my credit report and the intent was clearly to try to make it so difficult that Ill pay for their special service.
Back in XXXX, I sent a letter to XXXX and Trans Union ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card.

These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
The letter I received from US Bank they will fix my problem but they state on their website they do support XXXX XXXX but from my experience its NOT i spoke with XXXX they state that you can do emails to activate your card electronically US BANK is not following how XXXX attends the functionality is supposed to do with online banking and a other thing I need to add I hate having putting so much passwords on online banking to get my account details and my routing number and I have wasting my time using the functionality it is just a headache and a other thing is when I call in I still need to establish a verbal password I know that XXXX uses it why not you its my account not yours to control.
I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.