WillisBack/dataset-financial-user-claim huggingface dataset:
sent ftc violations and police report of having 4 social security numbers on experian that are not mine
Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago. 

I have asked Midwest Recovery to validate the debt and they have ignored my request.
I signed up for a Capital One 360 Money Market account XXXX, with the offer code XXXX attached. I was able to confirm I had the offer code attached to my account ( please see chat transcript ). The terms of the offer stated " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX  ET on XX/XX/XXXX. '' I did cumulative deposits of {$50000.00} between XX/XX/XXXX and XX/XX/XXXX. That should have triggered the bonus. 

According to the terms, " Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. '' Now, 60 days after the last deposit, I contacted Capital One to inquire about the bonus. On XX/XX/XXXX, I contacted them both via chat and phone. They are now saying that a balance over {$50000.00} was supposed to be maintained, but that was never indicated in the terms of the offer when I signed up. They are saying that was the intent of the offer, but was not indicated in the terms.
spoke with XXXX  on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX and Transunion | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.
Experian has, for many years, misreported my credit to status to lenders. Either old or resolved debt still shows on my credit report. Just recently now, on XXXX/XXXX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX to assist my son in purchasing his first vehicle. My name is XXXX XXXX XXXX and my son is XXXX XXXX XXXX. After he ( XXXX XXXX ) submitted his information to have his credit ran, all information regarding my own credit was listed under his name. To add insult to injury, I tried to co-sign for him and my credit score came back as his credit score! The car dealer said there was no mistake in the social security numbers we provided them and that Experian has our names/accounts listed with the same information. I have documentation to support this. 

Out of all 3 major credit bureaus, I have only had issues with Experian and their reporting tactics. It is extremely unfortunate for me as I live on the east coast and almost all lenders/credit cards rely on Experian. This has been happening for years to me and I have tried to resolve this unsuccessfully through law firms and Experian as well. XXXX/XXXX all have my credit in the XXXX range but I have been turned down credit so many times because of Experian 's false reporting. It is unfair that they do this to so many others. Please help them report my credit correctly!
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
I am extremely frustrated and annoyed with the way Citi Bank has been handling my case! This year has been extremely difficult and I am doing my best to actively get my settlement option under review! Prior to a settlement option I was looking to get reviewed for a modification and it was going nowhere. I am in the middle of child custody battle and child support battle. I have been hospitalized several times for my XXXX and even with lack of hours at work, no income and struggles, I continue to strive forward. I want to get back on track and I understand it 's one battle at a time. What I am getting irritated with is the fact that Citi Bank continues to purposely prolong this process. For two months I have been told my file has been send to escalations or another department for further review and no new updates. I have submitted the new documentation that was requested through my third party and they also continue to tell them the same update. NOTHING HAS BEEN DONE! I need an answer and some alleviation that at least this is taken care of. My third party authorization form was signed and submitted to Citi back in XX/XX/2016. And yet every time XXXX calls to get updates or request for further assistance they are being block! This issue was taken care of twice before and yet there 's no authorization on file. Citi was asked to which fax number and what location to send the adequate third party authorization and we did what we were told. This is another example of the negligence and lack of urgency from their end to come up with a solution. I want my file to get updated and IN ACTIVE REVIEW and for Citi to stop giving my third party a difficult time!
From prior case : XXXX : I took a installment loan out from Cash Call in XX/XX/XXXX for {$9900.00}. I made payments totaling {$12000.00}, I fell behind due to sickness and XXXX and tried to work out a plan to which they declined. I could not make the settlement about they requested which was {$20000.00}. The loan was then charged off in XX/XX/XXXX and they requested {$30.00} to close it out. I could not get any to help me with this so I just left it alone and let it sit on my credit report and decided to wait till it falls off. Fast forward to XX/XX/XXXX and I again tried to reach out to the company but they only re aged my account to show a current charge off as of this month leaving me with a credit score that dropped over 70 points and now I have to start all over again to have this account fall off my report. This is clearly in violation of the Fair Credit Reporting Act.

623 ( 5 ) ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after the furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action They have also added wrong amounts, balances and dates to my credit reports that are again in violation.
On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.
I opened an account with  XXXX   XXXX   XXXX  in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with  XXXX ,  XXXX , and Transunion.   XXXX  I wrote  XXXX   XXXX   XXXX  in   XX/XX/XXXX  but  have not received a response.
Loan started at {$32000.00} prin.amt. The prin.amt.has gone up instead of going down. have been paying on it for about 12 years and have paid about {$23000.00}, So can you tell me what 's up with that? I can understand paying interest, but I ca n't understand why the principle amount does n't go down instead of up. Navient is taking advantage of this loan and I have no way to get out of it. They put this loan on interest payments only, ( without my request ).
My home was foreclosed on in 2013. I had two mortgages. 80/20 First loan was with XXXX and the second loan was sold multiple times, and ended up with Shellpoint Mortgage. 
After the home was foreclosed on, the first loan, XXXX was paid and now is currently listed as Resolved through Foreclosure on my credit report. 
The second loan is still active on my report and it states that the account is 180 days + past due every month and hurting my score. 
My question, should this account also be resolved through foreclosure? 
I have called both companies several times and they both seem to give me the run around. 
Shellpoint tells me there is no alternative and I must pay the original loan off ( over $ 80k ) which I am unable to do. 
Do I have any legal standing?
I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.
I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.
There had been a 3 month issue regarding an additional hazard insurance that was added without permission. It was removed but I was never given reason as to why it was added in the first place. Also, my payment has increased from {$760.00} to {$790.00}, even though my correct insurance only increased by {$8.00} for the YEAR. I am getting overcharged monthly. And I did not get answers about the reason the additional insurance was added before. I had to make a federal complaint before to get the additional incorrect insurance resolved before and now the company is not taking initiative to resolve this. I contacted the company on XX/XX/2018 and received the following response : " We have received your recent inquiry regarding your mortgage account. Please contact our insurance team directly at XXXX for further assistance.Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. '' The insurance issue was corrected, it was the payment that needed fixed. They bump me from one department to another.
I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6. <P/>I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline. <P/>Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4. <P/>This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.
XXXX   XXXX  called and left a message misrepresenting themselves as  XXXX   XXXX  for the civil litigation dept and that I will be served papers within 5 days. I called them back asking for  XXXX   XXXX  and the woman that answered the phone started asking questions and I told her that I have an attorney handling my debt consolidation and told her when I would be home next week to have the papers delivered so that I can forward them to my attorney. She then hung up on me
O n  XX/XX/XXXX  I open ed a dispute with   XXXX   regarding medical collection accounts that are not mine. I am a   XXXX   veteran who gets medical care from the Veterans Administration. I also contacted the company, the DOB does not match me, neither does the SSN. I requested copies of the alleged bills - they were not provided as it would violate the individuals privacy, the one the bills did belong to. The dispute came back as verified, I appea led on   XX/XX/XXXX . This makes no sense, I can not get copies of the bills because the information does not match me, but it stays on my report anyway. I lost the appeal, said verified again. I contacted the company again, still refuse to provide me the bills because my SSN and DOB do not match the data. The company is Professional Placement Services. Date of service is unknown, but appears to be  XXXX . There are  XXXX  accounts,   XXXX   for {$320.00}, then  XXXX  others at {$100.00} each. I have that listed on my report.
I am writing this letter to address a major concern/issue I had with Chase. I was recently approved for the Chase XXXX XXXX and the Chase XXXX cards. Everything was just fine as I had received both cards and was starting to spend on the XXXX ( over {$5000.00} in the first month ), and was about to buy something with my XXXX card when I ran into an issue. The card was declined. At the moment I was confused, but I went ahead and logged into Chase only to find out that my card had been closed. At this point I was extremely confused as I only had the card for a week, how could it be closed? I immediately called Chase to inquire about the issue and find out why my card had been closed without my knowledge. I was then told but the first customer service rep that my card was closed after a 2nd review ( something I wasnt even aware happened ) and there was nothing I could do. Confused, I called back and the next agent said they would look into it further. When they came back to the phone they informed me that I was approved for the card but upon further review I was extended too much credit and they therefore had to close 1 of the 2 cards. I then asked why I was never informed of this and they said they called me once. First of all, Ive never heard of such a thing, I find it absolutely ridiculous that a company would approve someone for something and then completely renege on it and cancel the account. The logical approach would have been to call me, if I dont answer leave a voicemail ( which never happened ), and give me the option to move credit around to keep the card open. Instead, I get one call which I have no record of, and the account is closed end of story. On top of that, the reps are telling me I have no recourse and the decision is final. I have been a Chase customer for close to 7 years now and my credit score is over 800 and I have never missed a payment. When I asked what could be done about this Chase said I can re-apply for the card. Not only is this ridiculous, I already had to use a credit pull for this application, they want me to apply again and get my credit pulled another time. On top of that, what is stopping Chase from approving me for the card again and then just changing their mind like they just did. On top of that, while my account was approved and open, I referred my friend to get the card and he was approved, so I am entitled to the referral bonus of XXXX XXXX points which I havent gotten.
I opened a paypal account in XXXX 2016 and my account has always bee in good standing. I sold items on eBay and the payments were made via PayPal. Despite the fact that all the items sold have been received by the buyers, PayPal is withholding over {$3700.00} worth of payments. Paypal claims that they will hold funds from all transactions for 21 days until the following criteria are met : 1. Complete XXXX successful sales. 
2.Receive at least {$500.00} in payments for goods. 
3. Be a PayPal account holder in good standing for at least 60 days I have completed over XXXX successful sales. I have received at least {$500.00} in payments for goods. I have been a PayPal account holder in good standing since the beginning of XXXX 2016. I called PayPal and explained that I meet and exceed all their requirements and the representative was unwilling to help and continued to make false claims as to why paypal would not comply with their own rules.
I have received an escrow statement that indicates a SHORTAGE in large bold type and offers Payment options to address the " shortage. '' On closer reading, based on the differences shown for current and new payment, the shortage appears to be an OVER-PAYMENT since the New payment ( to correct the shortage ) is LESS THAN the Current payment This is highly misleading and appears to be an attempt to trick me into making an unnecessary payment for a " shortage '' that does n't exist. 
If it 's an Over-Payment as apparently it is, why did they label it a Shortage? And, why is there a demand for payment?
On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.