WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Experian report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Experian online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX ( i.e. XXXX ). 
Please pay close attention to the dates. XXXX opened the inaccurate account one and a half months after the discharge.
Misleading, BAIT AND SWITCH campaign used by Chase Bank on behalf of XXXX XXXX mileage program. Advertisement promises XXXX bonus point if an individual signs up and charges {$2000.00} in 90 days. In XX/XX/2017 I clicked on this ( attached ) advertisement. I was issued a credit card from Chase bank, and as required, charged {$2000.00} in the first 60 days. The amount was paid off within the terms of the credit card. Within 60 days I was only " awarded '' XXXX bonus points and a {$200.00} statement credit. I'm sure Chase decided that this was a cheaper alternative than the the promised XXXX bonus points. When I signed up I downloaded and printed the original offer directly from the offer page of the internet. It is a clear case of BAIT AND SWITCH and deceptive business practice by Chase Bank. I clearly expected there might be a possibility that the credit card company might attempt such a scam which is why I copied the exact pages of the offer in advance. I have lodged a complaint with Chase only to be met with " you clicked on a different offer ''. I also lodged a complaint with XXXX XXXX. They indicated they would look into it. Consumers need to be aware of these poor business practices by Chase Bank and should do their homework before clicking on credit card offers. Documentation is key I believe in making Chase Bank/J.P. Morgan accountable for their business practices.
I fell behind on my mortgage after my payment increased from {$1800.00} per month to {$2400.00} per month. Basically I am on a fixed income. My loan is serviced by SPS and the owner/investor of my loan is XXXX XXXX. I was denied for a loan modification on XXXX/XXXX/2015 by SPS for HAMP 1 ( Denial letter attached ). The reason given was due to " excessive forbearance ''. However my attorney ran the exact same numbers given to me on my denial letter through the Making Home Affordable web site and it came back Positive NPV ( See attached copy of NPV ran ). My attorney states, I qualify for HAMP 1 and there is no reason they should not be approving me for HAMP 1. That SPS is acting as a co-conspirator for XXXX XXXX in BLOCKING/EVADING approving me for HAMP 1 on purpose. After my initial denial that had a false reason for denial, I re-applied again twice. Both times SPS denied me for HAMP 1 stating " Investor/Guarantor Not Participating '' and " HAMP-PSA RESTRICTION ''. So the first time they acted like they reviewed me for HAMP 1 and I did n't qualify. The next two times, they say the investor is not participating. I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe SPS has made any effort to get XXXX XXXX to waive the restriction. My attorney states XXXX XXXX IS participating in HAMP 1. Bottom line is that I qualify for HAMP 1. XXXX XXXX is participating in HAMP 1. SPS is acting as a " bad actor '', " Co-conspirator '' in blocking/evading approving me for HAMP 1.
Capital One Credit Card : XX/XX/2017 XXXX XXXX : {$44.00} XXXX XXXX : {$37.00} XXXX XXXX : {$170.00} XXXX XXXX : {$100.00} XXXX : {$1.00} 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 XXXX XXXX I lost my Capital One credit card then I report a list of fraudulent charges then they sent new credit card then place back all the charges back to my account. I called in the fraud department for help but the issues were not resolved then they closed the case. I was requesting to speak to the manager of the fraud investigator but they told me to write a letter. They did n't resolve the issues and closed the case and they want me to pay everything. The employees in the fraud department are very rude and lacking of customer service skill. They hung up the phone on me and refused to let me speak to the manager of the fraud investigator for my case. This is not fair because I did n't make those charges.
Experian enclosed is a legal goverment document from the furnisher XXXX  to the CFPB in response to a complaint for over a year with you please remove XXXX XXXX As per the furnisher response enclosed . if you feel you want to investigate this and not remove it at once FIVE DAYS then I feel I have a legal right against you to file a law suit you for purjury and false reporting not to say personal damages to my self and family, DR visites car wreck, personal loss, from your credit reporting I have all documents, an  these documents to use against you so PLEASE REMOVE AS PER RESPONSE .Please respond here to this case in 5 days removal or not thank you
I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.
I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points
Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017
I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK
I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.
I opened this account in XX/XX/XXXX with XXXX XXXX account # XXXX paid on time and closed it in XX/XX/XXXX because I don't need it and don't want to pay member annual fee 's. 
I had tried many times before to close this account and the agents refused to close it offering to not charge the annual fee for several months then after the time passes stat to charge monthly fee 's. as you can clearly see on the attached statements. 
I am being reported to credit reporting agencies as late and the late charges are for the annual membership fee 's and interest on the fee 's??? 
I have not used or activated this account that they are claiming that I have open with them account # XXXX I spoke with Experian filed two disputes but they close the disputes after only 24 hrs and try to sell me services that I don't need or request. I spoke with XXXX XXXX customer Service and they agree to remove the late charges from my credit report however they haven't done so and Experian and the other reporting agencies are showing me late and is damaging my credit..
I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 %
on the XX/XX/XXXX, XXXX was paid out of my account to the account to Coinbase exchange. 
These international payments can take up to 3 days but it has now been 9 for me so I can only assume it has been lost. 
Previously Coinbase had a section by which a complaint could be lodged, now unfortunately clicking on any link/page of this nature reroutes you to the starting page or their automated bot only. 

The payment made to coinbase : the euro equivalent of XXXX GBP on XX/XX/XXXX Reference Number XXXX Recipient 's IBAN XXXX Recipient Name Coinbase XXXX, XXXX. 
Bank Country XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX Paid from my account : XXXX XXXX XXXX XXXX XXXX SORT CODE : XXXX ACCOUNT NUMBER : XXXX IBAN : XXXX BIC : XXXX
I watched a commercial for Rocket Mortgage on TV and decided to give them a call to get a rate quote to refinance my home loan. I wanted to rate shop before making a decision on which company I would use. The person at Rocket Mortgage who took my call gave me a rate range of low 4 % to mid 5 % and would not give me a more accurate rate unless I applied for a loan which required me to give him my social security number. 

I told the rep that I had an XXXX FICO score, a loan to value of 30 % and had proof of income. I said I don't need an exact rate just a ball park rate. He said he couldn't quote a rate without taking a full application. I said I have bought 10+ homes in my life and I have never had a mortgage bank/company not be able to give me a approximate rate. Having consumer 's have to give a full application and run their credit report unnecessarily is wrong on so many levels. I think that Rocket Mortgage just wants you to complete a full loan application before giving you an approx rate quote so that you will go with them since the application is complete and that is not a fair business practice. 

Call made on XX/XX/XXXX from cell phone # XXXX XXXX XXXX XXXX or XXXX XXXX
To whom it may concern : I have a XXXX XXXX Chase Visa card that was subject to XXXX fraudulent charges reflecting purchase of XXXX plane tickets originating in XXXX, XXXX. I live in XXXX, Maryland and have never traveled to XXXX in my life. The company closed the card when I notified them, and reissued me a new card. However, this week they charged me again for the XXXX flights. None of the fraud agents are able to explain the charges, and I have gone up the chain of commands and can not reach a supervisor in the fraud department of Chase. One agent said that the charge is a readjustment, but I 'm not sure why I would have to be responsible for paying anything for flight I did not take. I 'm in no way accepting liability for an unknown individual from XXXX using my card, and will not allow such a transaction to be reflected on my record.
My client applied for a FHA pre-foreclosure sale on their property because they could not afford to stay in their home. The were approved to participate in the sale program but right afterwards the servicer foreclosed on the property. I filed a complaint with you and subsequently they rescinded the foreclosure and approved the contract that was submitted. 
As we started the closing process we found the property was not deeded back to the owner after the foreclosure was rescinded. I have been trying to get the foreclosure recission deeded but can not get help from the servicer. Please open an inquiry into this matter so we can complete this sale.
Wells Fargo foreclosed my duplex and the {$140000.00} + cash payments I mailed to somebody from 1987 - until Wells Fargo returned XXXX checks in a row When I had really missed only XXXX payment trying to figure out what was going on they set a sale date. I was able to cancel the first XXXX. 
They repeatedly called a 'postponement ' The modification offered was for more money and higher payments We attempted to extend the term to reduce the payment but we mailed payments anyway -all were returned Filed bankruptcy they were granted relief Attorney valued property at XXXX. 
{$130000.00} paid - {$53000.00} balance is {$78000.00} I was able to reduce the insurance by {$260.00} ( {$110.00} refunded to them ) Wells Fargo returned my last payment after they received the insurance refund Reported {$62000.00} market value and {$53000.00} 'balance to the IRS I provided my XXXX lease agreements of over {$1000.00} They sold it a year later with a {$91000.00} mortgage. 
( I believe the remaining balance is included in the modification on my house my taxes and insurance have increased to about the amount due on the duplex -? 
My house mortgage continues to increase. 
I also believe adjustments have been made to the balance with money going to a different lender ( XXXX XXXX XXXX mortgage ) on another property I already paid off The way I see it Wells Fargo owes me {$91000.00} I paid to escrow as MY proceeds {$78000.00} -the amount I paid over the mortgage balance - the value And {$62000.00} the value reported to the IRS. - ( and my rental loss since foreclosure )
I paid three account off with a promised for a deletion and they took my money aa and did not delete the account jcpenny, XXXX, and lowes.
This year, Equifax has placed Multiple Fraud and Extended Fraud Alerts on my Credit File. However, I have never verbally or in writing requested for Equifax to add any type of fraud alerts to my credit file. They then send a request to  XXXX  and    XXXX    to add Extended Fraud Alerts to my credit file.
When this issue first started, I was n't sure why the alerts were added and I requested them to be removed via a Phone call to the bureaus directly. I even submitted a copy of my driver 's license in which Equifax has confirmed that they received along with a handwritten note requesting that they do not add any other fraud alerts to my credit file without a written request from me.
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I have never provided any written request to Equifax or any credit bureau requesting a fraud alert to be added to my file.
I have never verbally requested or authorized Equifax to add a fraud alert to my credit file.
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I have had to have this discussion with them 3+ times and each time I can only speak with the Consumer Affairs department in which I feel they placed my file   there because of my complaints about their unethical practices.
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. I have never received any notices in the mail either. On my credit reports it shows that I owe them {$880.00}
CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers
LVNV Funding, a company which I found out is well known for shady practices after a simple XXXX search, is reporting inaccuaretly to the credit bureaus. They are reporting it as X/2017 even though I have n't had any credit in at least 3 years, and I certainly did n't have any credit with them or XXXX XXXX. I have disputed this and the credit bureaus have failed to get proper documentation and due to the reputation of LVNV Funding I will not be contacting them. I have never received any contact via phone, email or mail from this company and the credit bureaus are not having them provide as requested twice.I want documentation proving the origin and details of the debt as I 've been provided nothing thus far per requests.
I found a paid Tax Lien reporting on my Equifax credit report. Since I have no knowledge of this lien, I disputed with Equifax and Equifax verified it on XXXX2016. I was instructed by Equifax to contact the reporting agency ; that the reporting agency was the one who verified the entry. The XXXX County Court was listed as the reporting agency, so I contacted the XXXX County Court. I was told the Court does not ever report to any credit bureaus. I then asked Equifax for the method that was used for verification, since the Court does not report to Equifax. There was no response. 
Instead of answering my question as to who supplied the information concerning this tax lien, Equifax just verified it again, on XXXX2016. I contacted the Arbitration Department of Equifax for assistance. The letter was signed for on XX/XX/XXXX2016. The only response from Equifax XXXX was, on XX/XX/XXXX2016, and Equifax verified this tax lien again. This lien is not reporting on other credit bureaus. Equifax is continuing to report incorrect, damaging information on my credit report, and refuses to provide proof this account should even be reporting. 
I give my permission for Equifax to discuss this issue with the CFPB.
ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. 

WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! 

I asked to to remove and I was told to dispute it. 

Spent one hour on hold with XXXX with no success. 

I wand this deleted inquiry deleted from my XXXX credit file please