WillisBack/dataset-financial-user-claim huggingface dataset:
I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.
We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.
Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower.

Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure.

Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.
I paid the account off via the third party collect dept XXXX XXXX XXXX with XXXX as of XX/XX/2018 when the payment processed of XXXX the remaining balance of the settlement offer of XXXX. I requested a letter stating it was paid and XXXX balance finally received that from XXXX XXXX  after a month. Disputed amount due with credit bureaus to get the XXXX balance reflected but XXXX is stating I still owe XXXX and that their collection company has not sent them any information that the debt is paid and I have emailed the letter twice and been calling to speak with a manager to get this updated for the last 3 weeks with no avail. I feel like they are trying to scam me by offering something lower I pay that but they wont update my report until I pay the rest, that seems like fraud. A bait and switch.
I received a phone call from a " representative '' of I.Q. Data International, Inc ( dba Rentcollect Global ) on XXXX/XXXX/2016. The person asked for myself or my wife and I acknowledged that I was the correct person to speak with about the matter. XXXX was told the conversation was being recorded ( I hope it was, though i truly doubt it ) and I agreed. I told them I had just received a letter regarding the supposed debt and was responding to dispute said debt. I was cut off immediately with a rude and angry tone stating that I should tell them of the dispute. I said it 's all in writing and should be in their hands any day. She ( now yelling ) told me that they do n't respond to written letters and that you deal with this on the phone. I explained that the letter their office sent me states otherwise. It clearly states I have 30 days to respond and they will secure proof of debt ( which is a bit absurd ... why would they not have it now ). I doubt she heard all of this as she was shouting something over top of me and then continued to yell after I stopped talking stating I was refusing to cooperate and she " hopes I enjoy my debt on my credit report ''. She then terminated the call. I pulled out my letter and noticed the " account representative '' was NOT who I spoke with and is probably ficticious, but I called back despite. I was greeted by an operator, told them my account rep 's name, and gave them my account number after being asked for it. Put on hold. He came back and asked if this was XXXX. I said Yes. Hold once more. When the line picked up again, it was the same abusive woman that I had dealt with previously. I asked for the account rep printed on my paper. She told me SHE was my representative. I asked if she 'd answer my question and she began shouting again about how I was refusing to talk and a few other things. I finally waited for her abusive tirade to stop and asked for her supervisor. She did n't acknowledge. I firmly stated it a second time. She said " Super '' and put me on hold. I got a supposed manager on the line that basically provided lip service that " they would look into the representative 's behavior ''. No apology, just lip service. I asked them if they could answer my question that their rep refused and was told yes. I read the letter I received. I asked if it was true that I could dispute via mail as stated in the letter. They said yes. I said that I doubted they would actually look into my situation with the rude rep but reiterated that I would be sending my dispute. I also added that if I ever receive abusive phone calls again, I would seek the advice of a lawyer. I 've never experienced such an abusive call before. It amazes me how that is even allowed. Looking up the company online I 've noticed this is a recurring pattern. It needs to stop.
I 'm disputing with the CBE Group/XXXX XXXX because they are currently reporting a fraudulent account onto my credit reports XXXX XXXX and XXXX. Please assist me in getting this debt collector to stop reporting and to stop contacting me regarding this account. 
ID Theft # : XXXX. 
XXXX account number reporting : XXXX
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Equifax to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Equifax and the ignored it.
I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.
I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
I have never made a purchase with this credit card, it was closed not long after it was opened and this debit collect keeps harassing me and calling me about 20 times a day, I already talked to XXXX and was advise I never made a purchased with this card. This is effecting my mental health as they keep calling about a charge I never made. 

XX/XX/2016 {$110.00}
I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.
EQUIFAX is showing a hard inquiry for   XXXX   XXXX   on  XXXX   XXXX ,    2016. I called  my local branch as I have dealt with them business wise in the past and they surprisingly told me that the inquiry matches no recent application under my name. ( Which makes sense as I did not ask for my credit to be pulled at all wh at so ever ). T hey have no records that I even applied for credit recently so I do n't know how this inquiry was even made. Please remove
Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.
My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.
This complaint is for both Citizens One Bank and XXXX in advertising to consolidate/refinance student loans. The advertising is misleading showing a lower interest rate to gain interest and personal information. I have asked for a " rate table '' from each and they stated I had to go through the application process. After doing so, the rate is significantly higher than anything stated on the advertising. I have perfect credit, so I am complaining because I know no one is getting the stated rate. The advertising states 3.50 % but the lowest option is 5.5 % once I fill out the application. After that I get bombarded with emails, calls, and mail to the information I provided on the application for a " soft credit pull ''. Can you please stop these people from wasting time and trying to deceive people into worse student loan debt!
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
I have been trying to work with SPS for years in either honoring the loan modification I was offered by XXXX, which my file was then transferred to SPS while in the middle of making my TPP payments, or getting SPS to review me for loss mitigation options and an assumption for the subject loan. Instead, I have been subjected to unfair, deception and abusive acts and practices. Compounding serving errors committed by SPS has caused me great stress and pushed me into a hole that I do n't know how to crawl out of! I have submitted the same documents multiple times over the course of working with SPS. They have verbally told me XXXX thing, when I am actually able to reach a representative, while sending me correspondence to the contrary. They have stalled me at every turn and given me the runaround. I feel I am further away from getting a loan modification offer now than when I first started and was making TPP payments towards a final loan modification.
Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

Thanks
ACCT #   XXXX     XXXX   XXXX   First of all this account is not paid, I did not find an option regarding my problem on this consumer protection, First of all My name is   XXXX   XXXX   I went to the ER at   XXXX   XXXX   on  XX/XX/XXXX  I handed them my   XXXX   card and obviously they did n't bill to   XXXX   like they should have, I called  XXXX  to the billing department they told me that my bill was sent to collections after I had already sent by fax and email on  XX/XX/XXXX  at   XXXX   XXXX  . a letter stating that I had  XXXX  at that time and that I keep receiving bills even with this email I never got a response from them at all by email or at my residence regarding my dispute I was just being ignored, so then they sent my bill to   XXXX   XXXX   XXXX   original creditor, when I received a collection letter from them, I also sent them a proof of my   XXXX   card and waited for their response, after a couple of more months I received a collection letter from a current creditor PENDRICK CAPITAL PARTNERS II   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX  IL   XXXX      XXXX   XXXX     XXXX   I also sent them a notice on  XX/XX/XXXX  at   XXXX   XXXX  . to stop harassing me and to bill   XXXX   since I had  XXXX  at the time of service and I am still on collections.
This is a HIPPA violation I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party, and I have been trying to resolve this matter from point A (   XXXX   XXXX   XXXX   BILLING DEPARTMENT ) To POINT B AND C -- - with all this collectors.
Please help   XXXX   XXXX   DATE OF SERVICE  XX/XX/XXXX  CLIENT ACCOUNT # that Pendrick Capital Partners II Has on my account is  XXXX  Identification No :  XXXX  Amount Owed {$1900.00} Settlement Amount {$1200.00} My   XXXX   Member Id number is :   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   PLAN ISSUER ID :  XXXX  I also contacted   XXXX   XXXX   XXXX  , and I got advised to contact your department and also to contact the federal Consumer Financial Protection Agency.
On XX/XX/2019, I called Lexis Nexis to correct my ( clue ) report for car insurance. The report they mailed me from XX/XX/2019 or so, indicates a lot of duplicate to be deleted- mistakes about me-where I lived duplicated and incorrect to be deleted. Duplicated mistakes about my name to be deleted. My name is XXXX XXXX XXXX.
Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.
on XX/XX/18 at XXXX XXXX I received another call from " XXXX XXXX XXXX XXXX ''. They call us every day and there's never anyone on the line when I answer. 

So this time I called their number, XXXX, and spoke with " XXXX. '' Told him we were on the do not call list. 

XXXX told me he was debt collection and XXXX didn't apply to him. 

I told him we do not have any outstanding debts. Told him he should correct the error. 

He told me I had to call another number to do that. 

I told him, no, he should correct the errors. That's not my job. And disconnected.
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.
I cancelled my auto policy with XXXX using the form sent to me by the current insurance company ( by fax ) three months later I received a collection letter from a collections agency I sent them documentation of my current insurance and the effective date, however, I took the first step to try and resolve the issue with XXXX XXXX and they refuse to correct the issue stating they did not receive the fax. After my fail attempt with XXXX XXXX XXXX I tried to communicate with the collection agency and they sent me a second letter demanding payment. I told them that this is double insurance and I should not have to pay but the was of no interest to them.