WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX 's from CHASE BANK in 2013. XXXX XXXX was marked and on the form meaning no collection efforts will be made. This was further communicated when I spoke to a manager at CHASE credit department. CHASE BANK continues to report cancelled debt balances on my credit report. Although the XXXX state that no collection efforts will be made I have received letters from CHASE saying that I still have balances on the accounts. How can I have balances on cancelled debt that I included in my taxes in 2013? Ive disputed this issue with all credit bureaus and CHASE BANK. The incorrect status and balance of the accounts are still listed. The balances cant be both cancelled and owed? I have become very frustrated with CHASE BANK and feel that this is just a tactic to hurt consumers financially. I have had to pay higher interest rates and have been denied credit based solely on the CHASE BANK accounts listed on my credit report. CHASE BANK received the tax benefit by issuing the XXXX but continues to report the balances to the bureaus. There have been court cases that have ruled in the favor of the consumer on this issue but Ive found no real laws dealing with XXXX and proper credit reporting. Consumers are really being XXXX by CHASE BANK 's reporting of XXXX balances. I believe they are the only bank that does this. I will continue to dispute this issue as I feel the reporting is an illegal representation of the accounts. I wanted to do this complaint to help other people who are in the same situation. Hopefully something can be done about this as these practices of CHASE BANK reporting zombie debt must be ended. CHASE continues to ignore my disputes. They continue to post false information on my credit file.
XX/XX/XXXX AFFIDAVIT FOR FRAUD AND IDENTITY THEFT TO LEGAL DEPARTMENT FOR EQUIFAX Certified Mail # XXXX XXXX XXXX XXXX XXXX REASON- FRAUD ACCOUNTS- PUBLIC RECORD-BANKRUPTCY- XXXX XXXX- XXXX THIS IS THE SIXTH LETTER I AM WRITING EQUIFAX TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED EQUIFAX TO VERIFY THE FRAUDULENT BANKRUPTCY AND FRAUDULENT ACCOUNT ON MY CREDIT FILE NAVIENT VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I have documentation since XX/XX/XXXX that I have been removed from XXXX system. But Equifax states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Equifax has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified. 
The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD. 
I HAVE LETTERS FROM XXXX and THE BANKRUPTCY COURT but Equifax just ignores my lawful request and keeps this fraud on my account. 
IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX BECAUSE IT IS UNVERIFIABLE unless EQUIFAX pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase. 
They also keep this FRAUD account on my file from XXXX. And I have no contract with this company and it has been removed from XXXX and XXXX. 
I am including all my documentation in this correspondence along with Certified mail so I can document EQUFAXS FRAUD FOR LITIGATION if they verify these two account or DELETE IMMEDIATELY. 
YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.
I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX
This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored.
Note : All dates referenced below are this year, XXXX. 

My federal tax return, in the amount of {$3100.00} was direct-deposited into my American Express Serve account on XX/XX/XXXX. That day I received an email from the company notifying me of this and that those funds were immediately available to me. However the company sent another email shortly after the first email stating that because of " unusual activity '' my account was under review. I called their customer service number as the email instructed in order to " authenticate '' and was told that the account indeed was under review and it would take 2-3 business days to resolve. I then learned that not only was the card not usable during this period but that I had been locked out of my account and could not see transaction activity. Here I should add that direct deposit of tax returns was a service that was heavily marketed to me by AMEX. 

Since that initial call to their customer service I have made several follow up calls and each time have been given new, different or contradictory information. Specifically, the review period moved from 2-3 business days to 3-5 business days during my first follow up call later in the day on XX/XX/XXXX. 

On XX/XX/XXXX, on another call I was told that my account was " permanently suspended '' because I " violated '' the company 's user agreement and that I should expect a check from the company in 7-10 business days. The company representative would not tell what the violation was instead referring me to the company web site where I could read the user agreement. I dutifully scrolled through the thousands of words in that user agreement and could not identify anything that I had violated. I was baffled, but at least now my check was " in the mail ''. 

On XX/XX/XXXX, I received an email from the company informing me that my California state tax refund direct-deposit in the amount of {$1000.00}. was rejected by the company and those funds had been returned to the California State Franchise Board ( as of the writing of this complaint the state had not received those funds ). 

On XX/XX/XXXX, I received a duplicate of the company 's email of XX/XX/XXXX, informing me that my account was under review. I had not yet received the promised check. I called the company 's customer service on the XXXX and this time was told that my account in fact was not permanently suspended but was still under review, and more specifically that I had not violated the user agreement and that the direct deposit of my federal tax refund was the " unusual activity '' subject of the review. It stretches credulity that it would take this long to verify a payment from the United States Treasury. 

In 43 days I will turn XXXX years old. I'm on a fixed income. This refund money, my money, is not only a significant amount to me, much of it is earmarked for essential expeditures. This has become much more than an inconvience, it is a true hardship. 

It's possible that my case is an anomaly but I suspect that I am not alone and the issue is an AMEX systemic issue.
Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX.
Greetings, I have initiated a multiple disputes with Trans Union over  the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : 1. ) XXXX 2. ) XXXX XXXX Reporting Address : XXXX XXXX XXXX XXXX, NY XXXX
The mortgage company is claiming I didn't make the payment. My bank shows payment was made and provided a confirmation number. 

This is what the lender said : Good afternoon Ms. XXXX, As we discussed on the phone, we have not seen your first loan payment. 



I can see on my system that the first payment of {$1300.00} was due on XX/XX/XXXX. I can also see that the first payment actually belongs to Megastar. Subsequent payments beginning XX/XX/2018 belong to XXXX XXXX. 



At this hour I do not see that we have received your first payment. I have copied Ms. XXXX XXXX on this email. She is very familiar with depositing receipts. She will be able to confirm when we receive your check and how your check will be applied to your loan. 



In the event your payment is for more than the required payment of {$1300.00} we will forward the excess funds to XXXX XXXX, referencing their loan number XXXX. 



As I said on the phone, we are real good at receiving, depositing and allocating our deposits. XXXX will reach out to you tomorrow to confirm the above and provide us with more information. 



Your attention to your loan is appreciated. 



XXXX XXXX XXXX Assistant Controller MegaStar Holdings XXXX XXXX XXXX XXXX, CO XXXX Direct : XXXX Main : XXXX XXXX XXXX
Date XX/XX/XXXX RE : Providing debtor with false information and theft of debtors money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number Dear Sir or Ma'am : On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act. 

Your response letter dated XX/XX/XXXX ( attached ) failed to validate the debt. You claim I owe {$2700.00}, yet your own records fail to prove that. Reporting a false amount is a violation of 15 USC 1692e ( 807 ) ( 2 ) ( A ), The false representation of, the character, amount or legal status of any debt. 

For a detailed report go to XXXX On XX/XX/XXXX, you received another money order from me in the amount of {$300.00}, yet you listed it in my account as {$3.00} dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money. 

For a detailed report go to XXXX I herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. 

Based on your owe records I owe {$1800.00} less any minor fees, which will be mailed out to you by priority mail. All monies received from me by XXXX XXXX has been in the form of certified funds ; Specifically ; United States Postal Money Orders Based on your own records ( attached ), you are attempting to collect additional monies that are not authorized by the agreement that created the debt. 

Specifically ; {$940.00} Per your own records ; 1. XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

2. On XX/XX/XXXX, you show a disbursement of {$840.00} and {$150.00} respectively, That was the {$1000.00} you received from the creditor, Sun West wherein I had mistakenly sent it to them. The {$100.00} listed on the account was also forwarded by Sun West to you. I have emails from Sun West confirming this. 

On XX/XX/XXXX you received a payment from me in the amount of {$400.00} and another payment from me in the amount of {$300.00} on XX/XX/XXXX, despite your attempt to show it as only {$3.00} dollars. 

$ 1000+ $ 100+ $ 400+ {$300.00} = {$1800.00} As my XX/XX/XXXX payment was for {$1200.00} the XX/XX/XXXX payment was paid leaving a balance of {$580.00} to be applied toward XX/XX/XXXX payment. 

That leaves {$640.00} owed for XX/XX/XXXX. 

Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you {$1800.00} less any minor fees. 

The above referenced amount due ( {$1800.00} ) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday the XX/XX/XXXX, so  no penalty can be attached to XX/XX/XXXX 's payment.
On XXXX XXXX I received a phone call from a Manager at Safco he advised me that my loan was behind for XX/XX/XXXX and XX/XX/XXXX. Advised I could make payment on XXXX XXXX he advised me he couldn't wait. I asked why and he had no response. He asked me if I had possession of the vehicle and I advised him no the car was In the Repair shop due to a legal issue that I was having with XXXX XXXX. He asked do I have to pay for the repairs and I advised no, he advised me he was going to call and verify the repairs don't have to be paid for and give me a call back. I never got a call back nor did he call the dealership to verify work on car instead he send someone to pick up my car and called me about 4 days later telling me I need to pay $ {$1500.00} within 10 days to get the car back. Very Unprofessional!! I recently found out that My credit is reporting 30days for XX/XX/XXXX and 90 days for XX/XX/XXXX ( incorrect ). Safco advised me that they placed a repossession on my credit for the month of XX/XX/XXXX, I don't understand why you took my car in the first place and report a repossession when you had the car for less than 5 days in your possession, in order to remove the 90 days on my credit report the R listed for XX/XX/XXXX have to be remove. Safco refunded me all the fees I paid for my repossession in XX/XX/XXXX due to my XXXX comlplaint. They refuse to remove The Repossession, They are very unprofessional, I speak with XXXX the manager everytime I call and she has no patience to the point where she just want to hang up the phone, her only response is we report accurate information. I asked her why is my credit showing 90 days when at no point was my account 90 days, she advised me it was. That's incorrect at no point it was. I asked how do you report a repo on a customer credit when you had the car for roughly 5 days and the way your company did it was unprofessional. She got snotty and said dispute it with the credit bureau but I don't get anywhere because they go back to the lender. My car was repo in XX/XX/XXXX and the repossession was reported on my credit in the year XX/XX/XXXX. I recommend everyone stay AWAY FROM SAFCO! I will do everything in my power to get this issue resolve If we cant come to a agreement I will see them in court.
I was enrolled in Paymap, Inc. 's Equity Accelerator program through a variable mortgage I had with XXXX. I received a letter dated XXXX stating that a settlement had been reached between Paymap and the Consumer Financial Bureau ( AP File No. XXXX ) and I was due program fees, but had n't cashed the check yet. I had never received the check, but the letter included instructions to get a replacement check. I sent an email with the requested information to the appropriate email address on XXXX. I got an automated response saying that my request was received and being reviewed. It got to be XXXX and I had n't had any other correspondence from the company. I called again and the rep on the phone did n't have a lot of information other than that many replacement checks had n't gotten to people and I should submit my information to the email address again. I did this on XXXX, but got an automated response that the deadline for requesting a replacement check had passed. As a result, I am filing this complaint.
House on market XXXX/XXXX/15. Offer submitted and counteroffer extended on XXXX/XXXX/15 after I saw the pre-approval letter. Counter offer accepted on XXXX/XXXX/15 with a 45 day escrow so was to close on XXXX/XXXX/15. The house appraised at value and it passed inspection on or about XXXX/XXXX/15. XXXX/XXXX/15 my realtor thinks docs should be pulled soon. XXXX/XXXX/15 hear from realtor that buyers have to refile taxes with IRS but was done 2 weeks prior so should still close on time or sooner. I move my belongings to storage on the XXXX. XXXX/XXXX/15 am told we will have to file an extension wrong form received then told no just not gotten form yet. So we extend to XXXX/XXXX/15. In all we had to extend this 4 times each time being told it was just one more piece of paper and it would close. First we get the transcript after waiting 5 weeks, then its the wrong one so wait another 2, now we get final approval but no clear to close as the original appraisal is over 45 days so new one ( ends up being three ) is less and I am told sign for new amount or no go and start over ... so I agree within 40 minutes of getting this information and still no close. Its Friday so we have to wait now until monday but then monday is a holiday so we hear that it will be wednesday XXXX/XXXX/15. that comes and goes and still nothing. Now the story is they are waiting on the appraisal hard copy. It finally closed on XXXX/XXXX/15. 84 days/12 weeks later than it started. I lost {$1500.00} on the deal, had to pay for additional mortgage, utilities, credit payments, storage all because of the lender XXXX XXXX, at PrimeSource in XXXX, California. So essentially, I lost over {$3500.00} in this deal. I kept going because it was only one more thing and I was ill and needed to sell house. Until XXXX/XXXX/15 all was going well but thereafter it became a pattern of not hearing from PrimeSource..so if you could reach them on Monday you would get told a situation, then nothing until thursday when the situation was different than was told on Monday and you now think we are making progress and then its Friday and oh yeah its going to go and then by XXXX on Friday oops sorry not today. and over and over it went. I feel this lender is inept and quite frankly unethical at the very least he does n't know what he is doing. I looked him up on XXXX in CA and there was a story on there from XXXX from XXXX of this year and it was almost word for word what was happening to me. Being the seller in this case was tough ca n't imagine what it was like for the buyers. Please address this issue with this lender PrimeSource and XXXX XXXX to prevent other people losing money. I did complain to PrimeSource and the very next day the loan got cleared to close coincidence I think not ...
Twice in the past year ( the most recent being today XX/XX/2019 ), I have had false collections accounts owned by XXXX XXXX XXXX show up on my credit - usually through XXXX ( but not XXXX  or XXXX ). These 'accounts ' are usually in the   thousands of dollars, and my credit report says that I have made payments to them ( which is false ). I was never notified of these accounts or that they were back-owing, either via phone call, in writing, or otherwise. What's worse, is that they are supposedly for student loans that I never accepted through a school I never attended! 

These debts are not mine, and it is adversely affecting my credit and my buying power. If I had not been tipped off about these accounts by lenders ( who had to turn my applications down because of this issue ), I would never have known that they were even there and adversely affecting my credit scores. XXXX XXXX XXXX is FRAUDULENTLY deceiving people into paying them THOUSANDS of dollars, and they've tried TWICE with me!
I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail