WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.
I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.
My wife paid off a debt in XX/XX/XXXX to Synchrony bank regarding a care credit card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both Synchrony and by XXXX. At that time ( XXXX XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XXXX XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from Synchrony Bank in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called Synchrony and got nowhere. ( I have also filed a complaint with your office against Synchrony and their tactics ). Finally I was referred to a XXXX attorney XXXX XXXX XXXX, Synchrony advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from XXXX XXXX XXXX prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their company.
I received s Subpoena from a debt collector : XXXX XXXX XXXX to appear on XXXX XXXX, XXXX for a deposition The Subpoena regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The Writ states that I must " continue in witness from day to day unless.discharged by me ''.
This debt is 19 years old and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.
I have been sending disputes to Equifax every 35-40 days since XX/XX/2017 and on multiple occasions the results where received less than 7 days or longer than 30 days. I even sent letters for verification of method used to investigate and haven't received any response either. I Have yet again sent out a letter for verification of proof on XXXX XXXX and Equifax still has not provided me with PROOF. They said the updated information which they have not.
Transunion, XXXX and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX Transunion, XXXX  and XXXX  is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, XXXX  and Transunion. 

I am requesting that Transunion, XXXX and XXXX  to CEASE and DESIST their negative reporting of XXXX XXXX account.
Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.
I disputed this account with JP Morgan Chase Bank several times and each time I was asked to provide additional documents to support my fraud claim. The last dispute I submitted was refused because I had someone as my power of attorney and JP Morgan Chase Bank wanted me to provide them with the power of attorney document which I did. It's been over 60 days since I submitted my power of attorney document it's been over 120 days since I filed my initial dispute and JP Morgan Chase Bank is still reporting erroneous negative Information about me to all three credit bureaus. It's bad enough I was a victim of fraud and I'm being dragged through the mud trying to clear my name. I feel like I'm getting the run around and that JP Morgan Chase Bank does not want to remove this negative incorrect Information from my credit report, they also have not responded to me in regards to my power of attorney documents I sent to them by certified mail. I do know that the statute of limitations have expired for JP Morgan Chase Bank as far as how much time they have to respond to a dispute. At this point they are disregarding all types of local and federal laws by disregarding all of my civil liberties. JP Morgan Chase Bank allowed someone to open an auto loan using my identity at a used car dealership that the owner of that dealership was convicted in Federal Court on Fraud charges stemming from his dealership. My next attempt will be a legal one, I'm tired of getting the run around by JP Morgan Chase Bank.
Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. 

I feel as though this is a violation of the Fair Debt Collections Practices Act. 

Lots of threats contained in this letter attached. 

Please investigate.
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). 

Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XXXX/XXXX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XXXX XXXX, XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust XXXX YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XXXX/XXXX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XXXX XXXX through XXXX XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XXXX XXXX through XXXX XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX XXXX XXXX. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX Mortgage Pass-Through Trust XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XXXX XXXX, XXXX, received in this Commission on XXXX XXXX, XXXX, under the name of XXXX Mortgage Pass Through XXXX XXXX XXXX XXXX XXXX. XXXX 
Exhibit E Pooling Servicing Agreement stating that trust closed on XXXX XXXX, XXXX
XX/XX/2019 On today 's date, I received a telephone call from a XXXX  at the XXXX XXXX XXXX XXXX XXXX at XXXX, ext. XXXX. XXXX asked if I was ( stated my name ). I said yes. He advised that I was not the person that called him a few minutes ago. He inquired if I talked to him about two minutes ago. I stated no. I learned that the XXXX XXXX at XXXX attempted to get information about my loan and XXXX recognized that something was misaligned. He disconnected the call and made contact with me. During this conversation, I learned that the XXXX XXXX XXXX was NOT a part of the US Department of Education which I was lead to believe they were. I had received numerous calls from these people advising that I was a veteran and I must not let my loans default because it could be financially devastating. I end up paying these people {$720.00} to consolidate my loan which XXXX stated I did not need to. As a student and veteran, the Dept of Veteran Affairs and I could have done it myself. I want my money back and believe these people should not make nuisance calls wearing veterans or anyone down about defaulting on their loans. I believe their tactics are definitely predatory. I want to be reimbursed {$720.00}.
I ( Member # : XXXX ) have been trying to work through penfed member services regarding my Home Equity Line of Credit account. I made a check payment on a void check of {$950.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX as the check recipient told me that payment bounced due to insufficient funds. I paid {$950.00} using my other bank account in the hope that this void check wo n't clear. I also sent an email on XX/XX/XXXX in this regard with no response till now. After multiple calls to the penfed member services, someone sent me the stop payment document on XX/XX/XXXX. I sent the completed stop document form on XX/XX/XXXX. I was told by the member service rep that I will get my money back. I was also appalled by the lack of call information being stored in your company systems. Unless a rep notates on an account, there is no record of prior calls. So, a penfed member has to tell the same story multiple times ( in my case 7-8 times ). 

I called back penfed services again on XX/XX/XXXX and was forwarded to the supervisor XXXX XXXX. She told me that money is out from my account and she can not do anything about this. I told her multiple times that why this was not brought during my first call with penfed on XX/XX/XXXX when I brought this issue. XXXX should have advised me for stop payment on the first call and protect me as a customer. Now, I 'm out of {$950.00} with no recourse. If I was given right information on the first call, I would have done stop payment on this check. 

I called back XXXX again in XX/XX/XXXX and spoke to XXXX. She mentioned that she was able to get hold of XXXX  XXXX ( bank that cashed void check of {$950.00} ) and  she is going to file a dispute for {$90.00}. I called back in XX/XX/XXXX and penfed could not find in their records any conversation I had with XXXX. My call was handled by another customer service supervisor and she told me that she will get me the copy of the void check. I have not gotten anything yet. 

I 'm a bit disappointed by the lack of knowledge and call resolution by the member services team in this case. I would request you to add {$950.00} back to my account since this was due to lack of help and support from penfed customer service. I count on my bank to protect me and advise me the right way. 

Thanks for your attention.
I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief.
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, EXPERIAN, XXXX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.
Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. 

In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.
A XXXX XXXX card has been a part of my Chapter XXXX bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
I have a collection on my Transunion credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.
In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks
We were the seller of a house located in XXXX XXXX TX. The loan company, New American Funding Inc., for the buyer of the home delayed the closing 3 times, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 finally closing on XXXX/XXXX/16 without a valid contract and not providing an addendum to close the sale on XXXX/XXXX/16. The Lender received the appraisal 5 days before closing and failed to notify the broker or seller that the appraiser had noted a safety issue that needed to be addressed before he would sign off on the appraisal until XXXX XXXX XXXX the day before closing. This left no time to correct the issue and delayed the closing until XXXX/XXXX/16. We were not provided any addendum with a new closing date and left to hang in the balance from XXXX until XXXX/XXXX/16. This also resulted into the payoff being higher and late fees since they failed to meet there obligations. We understand the mortgage company has a responsibility to the buyer, but proper notification and addendum is still required to be presented to the Seller. The mortgage company assured us they would close before XXXX day and then relayed via a text that they would be closed for XXXX day and it would not close until after the holiday. Total disregard for the seller, unethical and unprofessional behavior given to the seller!