WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with XXXX, XXXX and Transunion concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
I have issue with my second lien on my primary resident. with Bank of Americai was told by b o a staff on XXXX that my second loan was waived and they willsend me the release of lien shortly, after that due to family emergency i had to go to overseas and lost contact with bank of america . also never received any certificate of lien release. mean while my first loan that was originally with bank of america after several times attempt to modify, and deny with no reason. finally was sold to XXXX, then after several attempt finally my first loan modification was approved, recenlty i check my property tittle report. and find out the second loan lien has not been released yet.?!!! 
i called bank of america, and first they denied the cancelation of my second lien, after several weeks i called bank of america again. this time they told that yes, my second loan was approved to be released on XX/XX/XXXX, but are not releasing the lien, and loan was referred to their recovery dept. for collection and demanding full payment on the second loan .my credit report shows as with XXXX credit agency as paid status, and with third agency as open account. 
Now my first loan has been modified but still is underwater, i barely can afford first lien loan mortgage .with HAMP loan, and there is no equity for second loan, but still demanding payment. it does not make sense to go through a first loanmodification process ( according to affordable home modification act ) and havingthe second lien with no equity position staying on the property as an activeand open second lien .and waiting some day to foreclose on my property. 
I ca n't afford to pay for my second loan, barely keeping my first loan in current status. 

why they do not release the second lien base on their XX/XX/XXXX promise?? 
what was the purpose Hamp loan.
On XX/XX/XXXX I received a letter in the mail from My Mortgage Company Wells Fargo that as of XX/XX/XXXX the servicing of your Mortgage Loan was being transferred to XXXX XXXX XXXX XXXX. 

Beginning on XX/XX/XXXX XXXX XXXX XXXX would begin receiving payments on your mortgage loan and Wells Fargo Home Mortgage would no longer be accepting payments on this loan. 

I called Wells Fargo and was told that they no longer had my loan and it was sold. However as of this date XX/XX/XXXX noone will tell me who they sold it to. 

When I called XXXX XXXX XXXX to get the name of my new mortgage holder they told me they could not give me that information and it was their policy to protect the loan holder, When I called Wells Fargo they could not tell me who the loan was sold to. There no longer is anything in the wells fargo system and XXXX XXXX XXXX doesn't even have an active account but they told me that I could make them a payment. 

My question to them was where would this money go and why would I pay a company that won't tell me who the lender is?
Bank of America has blocked all my access to banks. I cant open an account and I paid them what they charged me on XXXX XXXX XXXX and they didnt report that I had paid them. I still cant open an account with any bank and the one that was at XXXX XXXX XXXX was cancelled. I went and they did want to help me.
In XXXX 2015, an automated payment to Navient was returned for insufficient funds. I then immediately contacted Navient to correct what had happened. They then proceeded to attempt another payment, but from the wrong bank account. They then contacted my sister for a payment, and ended up receiving two payments later in XXXX. They then posted SEVEN late payments to the credit rating agencies. I placed several calls this XXXX to correct this matter, including one on XXXX XXXX when their rep stated all the late payments would be corrected due to " multiple servicing errors '' on Navient 's part. In a subsequent call, the same rep reneged on this and Navient removed just two late payment entries, leaving FIVE remaining. There was one " missed '' payment that was immediately addressed, so leaving five late payments on my credit due to Navient 's incompetence and inefficiency constitutes an unwarranted and unmerited assault on my credit rating. I respectfully demand reversal of at least most if not all this negative information.
I have notified XXXX XXXX Bank that they are inaccurately reporting that I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.
Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.
My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?
I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.
On XXXX 2013 I purchased a property in XXXX XXXX, NJ. HSBC was the lender and servicer of the mortgage loan since the closing date. I 've never missed a single mortgage payment, and always paid on time as well. 15 months later i find out that the city did not receive any property tax payment from me for the first 8 months, and had sold the tax lien to an investor, and the investor had come to collect the payment, along with interest and penalty. Long story short, turns out that HSBC sat on their bums, collected my monthly payments and DID ABSOLUTELY NOTHING for 8 months. 

To make matters worse, I started researching into the issue, and was given a run around. HSBC referred me to the City property tax office, the City referred me back to HSBC. It took a lot of pushing to get to the bottom of the story. HSBC finally agreed to look into the matter, and concluded that it was a mistake on their end and they have " advanced all penalty/interest to my escrow account '' to compensate for the interest payment and any associated fees that were deducted from my escrow account. Great, problem solved! so i thought. 

Eh, maybe not. A month of XXXX later, i checked my statements and it turns out the refund was never issued. Here i am on the phone with them again for the last hour or so, getting transferred from department to department. The answer that i get now is that they are waiting for the city to give them a refund, so that they can then issue it to my account. 

WAIT, i thought the letter said they have " advanced all penalty/interest totaling $ XXXX to your escrow account, along with a lien cancellation fee in the amount of XX. 

Now they 've put me on hold again ... ..
GS Services is calling my work number they have been told in the past not to call this number.
The office of Charles G McCarthy collections agency representative XXXX XXXX has called on numerous occasions advising I owe a debt to XXXX XXXX. I sent a letter of cancellation 30 days notice by mail as advised by contract to the gym but he said if it was not signed for it is not legal. He has threaten me on several occasions with saying it was an attorney. He called my daughters phone and when she called the number back and said she was not me he call her a lair and she advised that she would called the police. I am going to send a certified letter to the company and advised them to stop contacting me. I have the voice mail and taped conversations where he tried to intimidate me on the phone. This I feel is unfair practices on the debt collections agency.
XXXX XXXX XXXX was servicing my mortgage on my house that I sold inXX/XX/XXXX. They had sent me my escrow check in the mail as I moved from NY to FL. I never received the check, so I called them, they told me it had cleared with Wells Fargo. We came to the conclusion there was mail fraud/identity theft of the check. 
I submitted a complaint with CFPB on XXXX as they had no real info on how this happened to settle this, & also said I needed to work with Wells Fargo on the case as it was in their hands due to they cleared the check. 
Wells Fargo gave me a case # of XXXX & I keep following up for the past 2 months, no details at all, just an open case. 
No one can tell me how or why they cleared the check with me providing & notorizing paperwork as the proof that the signature is not even close to being mine, nor my checking account. 
No one can even give me details on how this can happen where someone can deposit a check in my name & address & clear it without any ID/proof.
I had a GM Mastercard which had approximately XXXX points attached to it. Capital One took over the card and began changing the rules of how points could be attained and used which I had not agreed to. As of XXXX 2016 they had " adjusted '' my point balance to {$2600.00} and shortly after canceled my card. I recently bought a GM vehicle and tried to use my points as part of the purchase. After several phone calls I am told that Capital One has no record of my account at all and if there was an account, the points went away when the account was closed. These points were worth {$1.00} each and were earned by my purchases. Whatever happened was totally dictated by Capital One with no ability to challenge any of these decisions.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO FINANCE EF B XXXX/XXXX/XXXX HNB CLEVEL BANKING EF B XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS AUTOMOTIVE TU B XXXX/XXXX/XXXX ALASKA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.
Upon being denied credit from a lender for " too many inquiries '' and later approved. I decided to check all of my bureau reports fo r accuracy (   XXXX ,  XXXX , and   XXXX   ) .The following inquiries were not authorized by me. None of these companies received any identification or authorization from me to pull my credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX     XXXX   XXXX ,  XXXX
I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on
Equifax is reporting my current XXXX XXXX account opened in XXXX 2013 as XXXX times 30 days late as well as months reviewed at 16 months. The months viewed should be 23 months as the account was opened in XXXX 2013. I contacted Equifax who advised that XXXX has to update this information so they started a dispute. I contacted XXXX and they advised that this is something the credit bureau updates. I feel that Equifax is keeping this number at 16 months reviewed in an effort to keep my credit score low by having lower months of review on the account. XXXX has also forwarded to Equifax on several occasions requesting that my account reflect no lates and pays on time. I recently applied for employment and the has come up on the back ground check. All of my other accounts reflect accurately with the number of months reviewed expect for my auto loan with XXXX on my Equifax file. However it is correct on the other bureaus.
Wells Fargo Dealer Services repossessed a car from me I contact them to dispute the item off my credit report and they never got back with me. This was a illegal repossession I never received any documents from them after they repossession the car like ( where it was sold, for I can buy it back, how much they got for the car or a letter letting me know it was up for repossession ) the dispute letter listed below ask them to provide proof and all the documentation that this repo was legal
To whom it may concern, I took summer courses in the summer of XX/XX/XXXX, which was paid for by Sallie Mae which later turned to Navient. The amount of the private student loan was XXXX USD. In XX/XX/XXXX, I graduated from XXXX University, and I attended XXXX University to pursue a Master of XXXX XXXX. I informed Salliemae, I will begin my XXXX XXXX. I was informed as a XXXX student, I will not need to begin repayment on my student loans, and will put my loans in a type of deferment or forbearance status. A degree I finish in XX/XX/XXXX. I began repayment on my loan in XX/XX/XXXX. To this day, I have paid XXXX USD. Navient contacted me for a refinance on the loan through their own company XXXX, and my balance remaining is XXXX USD. I have contacted Navient a number times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with regards to this matter, and received no possible explanation. I am seeking help with this matter, and I refuse to pay Navient another dime. I have attached my payment history for the life of the loan.
IN XXXX OF XXXX SPSERVING RESPONDED TO YOU WITH AN ADMISSION OF GUILT THAT THEY WERE NOT APPLYING MY PAYMENTS TO MY MORTGAGE AND WOULD HAVE A CORRECT STATEMENT OUT TO ME AND THAT I WAS ONLY DUE FOR THE XXXX XXXX XXXX PAYMENT. IN THE MEAN TIME I STILL DO NOT HAVE A CORRECT MORTGAGE STATEMENT, THERE ARE XXXX DIFFERENT MORTGAGE PAYMENTS AND THEY ARE STILL CLAIMING THAT I AM STILL DUE FOR THE XXXX XXXX PAYMENT. THERE IS ALSO AN OVERAGE PAYMENT OF XXXX THAT THEY ARE NOT APPLYING TO MY ACCOUNT. THE STATEMENT WILL BE ATTACHED. THEY ALSO VIOLATED THE PRIVACY POLICY ACT AND SENT ALL OF MY PERSONAL INFORMATION TO ANOTHER BORROWER. THAT WILL ALSO BE ATTACHED. MY ATTORNEY HAS SENT THEM LETTERS REGARDING THIS BECAUSE THEY SENT ME A CHECK TO PAY FOR XXXX, BUT UNFORTUNATELY THE AMOUNT THEY SENT DOES NOT EVEN COVER THE BASIC COST OF THIS PRODUCT. I AM SIMPLY NOT ACCEPTING THIS. IF I SENT A BORROWER 'S INFORMATION TO ANOTHER BORROWER, I WOULD BE FIRED ON THE SPOT AS THAT IS A TRUE VIOLATION OF PRIVACY POLICY ACT. I WAS A LOAN PROCESSOR SO I KNOW HOW SERIOUS THIS VIOLATION IS. I AM OFF WORK DUE TO AN INJURY AND NOW ON XXXX MEDICATION BECAUSE OF THIS ONGOING PROBLEM WITH MY MORTGAGE COMPANY AND I NEED TO SEE XXXX EVERY MONTH AS WELL. IN XXXX OF XXXX I SENT YOU PROOF OF ALL OF MY PAYMENTS AND MY ATTORNEY HAS THEM AS WELL. AT THIS POINT, I AM EXTREMELY DISGUSTED WITH THEIR SERVICING OF MY MORTGAGE. THEY SENT ME AN OVERPAYMENT CHECK FROM MY ESCROW ACCOUNT, SO HOW COULD I POSSIBLY BE MISSING A PAYMENT FROM A YEAR AGO???? I REALLY NEED SOME HELP HERE WITH THIS ONGOING PROBLEM. AS OF LAST WEEK, THEY ARE STILL ASKING ME TO SEND THEM PROOF OF MY XXXX PAYMENT FOR XXXX. THIS WAS DONE IN XXXX OF XXXX. I AM LOSING TRACK NOW OF HOW MANY TIMES I HAVE HAD TO DO THIS AND IS VERY DISTURBING TO ME.
The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise. CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX