WillisBack/dataset-financial-user-claim huggingface dataset:
Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas XXXX XXXX XXXX XXXX, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the XXXX & XXXX agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners. 
The XXXX XXXX, XXXX & XXXX are complicit in acts of moral turpitude by their lack of XXXX federal guideline enforcement that are within the scope of influence and this tax payer funded state agency. 
I have attempted to bring transparency to the injustices committed from the XXXX XXXX XXXX XXXX XXXX agency that fails to discipline violators of the XXXX federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization. 
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the XXXX & XXXX agency as well as the performance of Executive Director XXXX XXXX to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas
In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?
I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...
About a month and a half ago ( so on XX/XX/XXXX ) I had called Naviet because has two issues. One needed to get my payments lowered ( which are at XXXX a month ) and also to get my co-signer off the loan. As Im telling him I am struggling and can not make the payment but will be able to make a lower payment. He ( I can not remember his name ) said that there werent any other options for me at this time and there is no way to get the co-signer off. He said the only way is to payback the full amount and get it through the bank. Im a XXXX XXXX XXXX with no collateral, so that is out of the picture. After telling the young man my struggle and troubles Ive had with keeping up with this payment, that Im not able to even get grocerys or little household items ( for I was trying to live on my own ). I was crying on the phone and again telling him I just cant make the payment, he says at the end Im really sorry to hear that XXXX but there really isnt anything we can do at this moment, but I do see that you have a bill coming up this month how would you like to take care of that today! So not only did he not really listen to what I had to say, he Had the audacity to ask me to make a payment. 

Now I live back at my parents working two jobs and still can barley save enough money to get a place. I really dont want to live back at my parents for ever but will this payment of XXXX I cant have any other payments unless I work to death. All I ask is that I can get help with my payments or my interest on my loans to go down for I have 5 loans each at XXXX %. They also said that I couldnt get help with lowering my interest either. I know there is a way to get my co-signer off because they go off how much he makes not me.
Our loan docs state that PMI may be removed from our loan when the LTV reaches 78 % and allow an appraisal to be ordered in order to obtain a more current valuation for the LTV calculation. 

However, after the appraisal was completed, Nationstar is refusing to honor that document citing XXXX investor guidelines that state that for the first 2 to 5 years of the life of the loan, PMI may only be removed from loan when the LTV reaches 75 % if a new appraisal is required to obtain a more current valuation for the LTV calculation. We never signed anything agreeing to this particular XXXX guideline. 

Further, the appraisal came in much lower than we had anticipated. We purchased our home in XXXX of XXXX and at that time the appraisal came in at {$430000.00}. The appraisal that was ordered in XXXX of XXXX came in at {$470000.00}. This indicates that during the 2.5 years of rapid appreciation of real estate in our area following the bottom of the housing market the value of our home only appreciated a little over 7 %, a claim which we find to be borderline insulting particularly given the comps in our area. 

Since XXXX XXXX, we have been trying to resolve these XXXX issues with Nationstar, but they refuse to cooperate.
On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.
This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this money.
i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish. 
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all. 
i want to report this issue in other to advised others in this problem thank you
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX
I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!
XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )
US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company.
I signed a promissory note on XXXX XXXX, 2004 with XXXX XXXX and have still not received a certified copy of the original note with the proper endorsements to any other lender, even though XXXX XXXX claims to be acting as Trustee for an LSF9 Trust I know nothing about according to the attached assignment of Deed of Trust. Therefor once again per Section 6 of RESPA this is a qualified written request ( QWR ) for all the documentation pertaining to my note.
EQUIFAX IS PROHIBITING MY ACESS TO ONLINE MONITORING SERVICE IN RETALIATION FOR THREATENING LAWSUITS.
I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.
XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.
Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.
On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.
i got call today at XXXX my XXXX  number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX  they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please help!
There is a hard inquiry on my credit report from CBCInnovis the dud this without my permission! I do n't even know who they are can you please help me.
I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to severalinquries that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have inquries that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, That they will be removed. These inquries does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following inquries that are reporting are : XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 and XXXX XXXX/XXXX XX/XX/2018. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted these items. How can they all be using the same information but some bureaus are correcting items & the other is not.
On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.