WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  XXXX   XXXX   XXXX
I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly.
I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but Experian is still reporting me as being late on payments. XXXX XXXX  has informed me that they have removed all negative reporting and the the error lies with Experian XXXX XXXX and XXXX.
This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies.
Nationstar keeps calling the business that I work at, XXXX XXXX XXXX XXXX, multiple times a day trying to collect a debt for someone that no longer works here. It is an automated dialer with no option to talk to a person. There is an option to say that is is the incorrect number, but they keep calling. 
I called the number they provide for you to call back for more information, and by pushing a lot of wrong buttons, I was eventually transferred to a human. When I told the gentleman that I wanted them to stop calling, he said there was nothing he could to remove our number until the intended recipient gave them permission to change his account.
We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.
CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!
Basically I am complaining that two different mortgage companies 1 ) XXXX  2 ) Lakeview/XXXX XXXX   mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). 
Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. 
By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress.
In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am.
Capitol One has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized Cap One to inquire about credit. Cap One Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX
I received notice from Bank of America that they were notified by XXXX that there was a chance my card had been compromised and I would be receiving a new one with a new number. Upon inquiry Bank of America and XXXX refused to disclosed what was the source of the compromise with Bank of America putting the problem with XXXX. 
If a particular merchant was the cause of the compromise I want to know so that I do not patronize that merchant in the future. 
The time necessary to deal with the new card will be lengthy as I have a number of recurring monthly bills tied directly to the card. As the end used I should have the right to disclosure of the suspected source of the compromise.
In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report.
I become aware of this " debt '' when I credit application was denied and I subsequently checked my credit report in XXXX. I contacted debt collector, PETER ROBERTS & ASSOC located at XXXX XXXX, MA XXXX to inquire. He informed me that this was for collection of medical debt by XXXX. As I have not received any XXXX care from this company since at least XXXX, I called the company which informed me that the debt was for what appeared to be a medically unnecessary treatment provided to XXXX, which was denied payment by insurance company because the procedure was medically un-necessary. XXXX XXXX is a XXXX year old adult. XXXX told me that they pursuing me because they have me down as her guarantor. I have never, either orally or in writing guaranteed XXXX ' medical medical bills, much less the medically un-necessary treatment. 
I told Atrius health and PETER ROBERTS & ASSOC that I will pay the bill to save myself the trouble of litigation and avoid having negative information on my credit report. 
Despite the fact that I paid this bill that does not belong to me PETER ROBERTS & ASSOC still reports this debt collection as if it was legitimate to credit reporting agencies ( as a debt that I owed and paid true collection ). I did not owe any money to XXXX and they used collection and negative impact on my credit score blackmail me into paying the money but still kept this false information on my credit report.
I am  XXXX   XXXX  th e POA  of my mother  XXXX   XXXX   XXXX , my mother whom has had   XXXX   XXXX . My mother signed a mortgage with  Specialized Loan Services  address  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , CO  XXXX . I submitted several request for a copy of the original loan that she signed for and to know avail I have not received it. I solicit your help in thi s matter.Loan #   XXXX  Property Address  XXXX   XXXX   XXXX   XXXX   XXXX  GA.
I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


Experian : Account Name : XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account XXXX :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Experian Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX fraudulent addresse : XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX  Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX/XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.
From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.
In XXXX, Capital One Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired XXXX XXXX XXXX ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. Capital One was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with XXXX XXXX. 
In XXXX XXXX, I negotiated the terms of my XXXX Capital One credit cards debts with XXXX XXXX attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with XXXX XXXX who had the agreement of Capital One, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, CAPITAL ONE HAS AGREED to this terms. 
As of today, My CAPITAL ONE BANK Account Number : XXXX .... and CAPITAL ONE BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, Capital One STILL reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through XXXX XXXX XXXX, and received letters from XXXX XXXX for the complete clearance of the credit cards with Capital One Bank. 
WHY is CAPITAL ONE falsifying that I have balances? As of XXXX XXXX the balances are " XXXX ''. When Capital One hired Attorney Firm to collect their credit card money, surely Capital One has agreed that the Reporting Power to the agency will be given to the Attorneys, and Capital One would not FURTHER damage my credit. It seems that XXXX XXXX collected their fees from Capital One and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. XXXX XXXX must report the Capital One debts as having balance of " XXXX ''. Thus Capital One is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE.