WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax, is continuing to report a Chapter XXXX bankruptcy that was filed XXXX, the law/ statue states is should be deleted 7 yrs from the date of filing, also a Chapter XXXX bankruptcy filed XXXX, which should be deleted 10yrs from the date of filing.Equifax is violating the statue of LIMITATION on the ChapterXXXX, & the Chapter XXXX should be deleted XXXX. 
Please, review the statue, regarding bankruptcy.
I have been dealing with horrible collection practices from  Monterey Financial  services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today  XXXX / XXXX / 2017  at  XXXX   XXXX  i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch.  XXXX  bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.
My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.
Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.
Possible victim of the 2017 hack against Equifax. Need to update all security and rebuild my security from scratch. This has taken me hours of work and used up a full holiday weekend.
I was approved for a {$1000.00} installment loan. The lender has my bank account number and routing number as well as my social security number and other personal information. 
I was just informed that even though I was approved for the loan they have decided not to fund it. No reason was given but I strongly suspect they are discriminating against me because I am XXXX.
My husband has a debt with Conn 's Inc. ( Furniture and Appliance ). Due to financial hardship, he stopped making payments many months ago. However, and unfortunately, my husband died this XX/XX/2017. Since I told them that, the calls have not only been more recurring, but they are harassing me with charging off the account, whatever that means. They gave me a one day ultimatum to pay a settlement or they would do that, and right now, I have other things to worry about, like securing a financial stability for my kids. I already told them to not to call me until I speak to my lawyer, but it seems they have an urgency for me to pay the settlement they offered. My husband left no estate behind, as we owe the mortgage and our XXXX cars. What is troubling me is the harassment during this very difficult time of my life, when an unforeseen accident left me a widow at the age of XXXX.
XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 capital   one. On XX/XX/2017.
XX/XX/19 received a collections notice from " XXXX XXXX '' in XXXX, WA, for a XXXX debt. 

We have never had XXXX and have never opened an account for someone else under my name for XXXX. 

I called XXXX XXXX. They seemed courteous, told me they put the " account in dispute '', and that I should be sure to call XXXX also. They also said they would transfer me to " the department that will take care of that '' at XXXX. 

I waited on hold for a few minutes and was apparently connected to XXXX. When " XXXX '' picked up, I explained my situation ( the above details ) and the line was disconnected. 

So, I called XXXX and went through 4 people to finally get someone to put this bill in dispute. 

I looked up " XXXX XXXX XXXX '' online and ran across others who have similar experiences with a very official looking collections notice. 

Thank you for doing what you can to shut these people down.
Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my time.
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.
XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Chase Bank will not release the funds of the deposited check with no reason given. I deposited the check on the XXXX and was told the funds would be available on the XXXX like they always have been in the past. Today, the XXXX they send me an email saying the funds " should '' be available on XX/XX/XXXX but it could take longer. No reason given at all. I am not overdrawn, I have not had any fraud or problems with our account. I have never had a check bounce or anything like that. So I gave them a call. 

They claimed twice ( after two calls ), that XXXX XXXX XXXX have not released the funds to them which is false. I have confirmed with XXXX   XXXX XXXX that they have released the funds to Chase and have a cleared copy of the check. There is no fraud hold or anything else other than them refusing to release the funds to me. Even though they said that XXXX has not released the funds, they also added that they have 7-10 business days to release the funds. So basically they are now telling me two stories.
An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.
Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever.
I was working with Ditech for a loan modification and unfortunately, i was denied on  XXXX / XXXX /17 due to them miscalculating my income. I received a denial letter stating that I had a 30 day right to an appeal and i would need to submit documents to support the information. I faxed them all updated documents including income documents to support that they had made an error in calculating my income on  XXXX / XXXX /17. Today,  XXXX / XXXX /17 when i called in i spoke with  XXXX  who confirmed the documents were received and they were being set up for review. He then continued to explain how unfortunately the sale date would not be postponed because they needed to have the documents 37 days prior to a foreclosure sale date. This completely removes my right to an appeal because i was not informed of the foreclosure sale date until  XXXX /20/17. I believe this would apply to someone who was not actively in review but i was and followed their instuction. I am now being told i may lose my home because of it. Please help me.
The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry fromXX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
I am a first time home buyer attempting to purchase a home in Washington State. XXXX XXXX has refused to release my earnest money in Escrow after seller relisted property while still under contract. Rather than follow the law and purchase of sale agreement and releasing my earnest money in a timely manner - XXXX XXXX reached out to XXXX XXXX XXXX 's Attorney. 

On XXXX XXXX, 2016, I entered a purchase and sale agreement as a buyer to purchase from XXXX and XXXX XXXX property located at XXXX XXXX XXXX in XXXX, Washington. As required by the purchase and sale agreement, I paid {$10000.00} in earnest money which has been held in trust by XXXX XXXX 's escrow department. Both the XXXX and I agreed that I would have a financing contingency in this transaction when they signed a Form XXXX Financing Addendum. My financing contingency period was preserved until XXXX XXXX when I gave notice of termination due to being unable to secure financing by closing the date. The seller refused to allow for an extended closing and by that time had relisted property on the XXXX of XXXX 2016. 

Under Section XXXX of the Financing Addendum, XXXX things were required under this contingency for refund of the earnest money : 1 ) written confirmation from the lender and 2 ) notice from the buyer. Both of those requirements were satisfied by XXXX XXXX Pursuant to the terms of Section XXXX, on XXXX XXXX and XXXX XXXX, I again sent out a written notice demanding return of the earnest money. On XXXX XXXX, XXXX bank my lender provided a written confirmation explaining why I was unable to obtain financing. 

According to RCW 64.04.220 ( 2 ), XXXX XXXX had 15 days from XXXX XXXX - the day it received my written notice - to 1 ) notify the parties of my demand, 2 ) release the money, or 3 ) commence an interpleader action. When my legal counsel called XXXX XXXX on XXXX XXXX, 2016, she said XXXX XXXX did not send out any notices to the parties in regard to my demand and that it was XXXX XXXX 's policy to simply wait in these situations for a rescission agreement to be signed. This policy is not consistent with the purchase and sale agreement or RCW 64.04.220. In fact, it is my opinion that XXXX XXXX is out of compliance with RCW 64.04.220 ( 2 ) and the terms of both the Form XXXX Financing Addendum and the purchase and sale agreement. 

I just want my {$10000.00} earnest money returned to me as I have sent significant time, energy, and resources traveling between coast to try and buy a home. I believe XXXX XXXX is not acting on good faith as a neutral party and they have wrongfully held onto my earnest money for 3 days shy of a month now. Please help me.
I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.
I applied for a VA Loan Modification with my lender First Continental Mortgage Litigation Department on XX/XX/XXXX. 
On XX/XX/XXXX l received a Approval Loan Modification agreement in which the new VA loan modification is higher than the old loan. 
I used to pay {$1200.00} a month than my payments escalated to {$2000.00}. 
Old VA Loan interest rate Was {$880.00} and Principal was {$340.00} with interest rate.at 4.3750 % with No Prepayment Penalty. Old outstanding balance was {$240000.00} New VA loan modification mortgage is {$1700.00} with a interest at 4.125 % with a term of 360 months and with a Prepayment Penalty New unpaid principal balance is {$250000.00} I purchase home on XX/XX/XXXX. 
Why new VA loan modification approved mortgage is at {$1700.00}? 
Does the {$1700.00} includes property tax and Home insurance? 
It appears that lender implemented late payment fees, old property tax debt with new mortgage? 
I am not rejecting the new VA loan modification approved agreement but why l can not get a new VA affordable mortgage under {$1700.00}. 
I am on a fixed income XXXX XXXX Lifetime Pension of around {$3900.00} a month with no Social Security XXXX benefits or compensation.l was denied on social security XXXX. 
I am respectfully Divorced and l live alone in my home. 
I am respectfully a Military Veteran. 
I am on XXXX. 
Notice : I will send verification of lender docs to Consumer Financial Protection Agency by email. 
I have contact President Obama Administration on issues. 
I received VA loan modification approval letter on XX/XX/XXXX.by regular postal mail. 
Urgent Matters.. 
I am a XXXX XXXX XXXX. 
I am enrolled with HOPE HUD Greenpath program Counselor XXXX XXXX.
In XXXX 2016 I disputed {$170.00} of a {$520.00} on each of XXXX tickets. I was downgraded to coach on the fights. Per letters dated XXXX XXXX, 2016 and XXXX XXXX, 2016 the credit card company reversed the {$170.00} disputed amount on the XXXX charges based upon discussing the issue with the airline and the airline saying that would credit {$110.00} per ticket. Even thought the credit card company reversed the {$170.00} in disputed amounts on all three tickets, I have only received the {$110.00} on XXXX of these XXXX credits. The credit card company also stated that they would " continue to request credit '' for the amount if I did not respond by XXXX. Since I agreed with credit was reasonable, I did not dispute the proposed credit. I did I give the credit card company a reasonable time to get the credits on my account. In XXXX I sent them a letter stating that the credits have not been applied yet. On XXXX XXXX Citibank sent me a letter stating that they would no longer pursue the claim and closed the dispute because I did n't respond by XXXX even though they stated that they would " continue to request credit.
While I was in the process of settling a dispute with my current landlord in XXXX 2017, I submitted an application on XXXX XXXX 2017 for tenancy to XXXX XXXX XXXX, who use sound screening. <P/>Sound screening obtained incorrect information from my landlord, for which I was denied tenancy at XXXX XXXX. <P/>The incorrect information is the record that I do n't pay rent on time, am ineligible for re-rent, and that in general I am a bad tenant. <P/>Later, once my current landlord and I reached an agreement, I resubmitted my application on XXXX XXXX 2017. Sound Screening failed to recognize the new information and I  again was denied tenancy at XXXX XXXX. <P/>I have a termination of tenancy agreement with my landlord, as well as a rental verification letter from my landlord - both of which are singed and notarized. <P/>This information needs to be corrected. <P/>Also I would like the incomplete information about my income verification be removed. The record states that Sound Screening was unable to contact and verify the information, so it should not be kept on record.
About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls  are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. 

The most recent call came in on XXXX/XXXX/19 at XXXX XXXX.