WillisBack/dataset-financial-user-claim huggingface dataset:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX   account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr clock  starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.
I opened an account with Huntington Bank online, because they offered a generous bonus for account opening.

Their web site does not allow electronic transfers from an outside account, although there is a link for it. I tried several times over a period of a week or so, but it never worked.

I phoned the bank and the rep said that that function hasn't been working for a long time. She seemed very inexperienced and I felt uncomfortable and I told her to close my account.

I recently received a bank statement in the mail which showed that the account was still open.

CFPB should investigate this bank. I suspect a scam because : - Generous account opening bonus shows a desperate need for quick funds - Customer service rep didn't seem to know what she was talking about - Web site did not work for one of the most basic and necessary functions ( transfer funds ) - They did not close my account as I requested
XXXX XXXX COMPANY Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00}XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XXXX. and XXXX XXXX ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!! ** XXXX XXXX ( 30 days late paid {$500.00} ) XXXX ONTIME!!
** XXXX XXXX EXTENSION GIVEN!! ( 30 days late per  XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!! Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX
I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.
I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
this lender has been deceitful, they have been negligent, and have been very under handed and have lied several times to me. they do not answer phone calls and they do not answer questions they talk around you and never actually answer a question they do not know what they are doing and try to lay the blame on anyone else that they can. they keep asking for more and more for you to put out then they tell you that the closing costs are rolled into the loan but when it comes time to close they ask you for more money. .they blame the realty agents and never take responsibility for their wrong doing. Do Not use this company as one person said RUN RUN fast from this company and I believe that a troop of monkeys could do a better job. They don't close on time they lie and tell you that you can close in 15 days and now it has been almost 3 months and I am no closer to closing than I was 3 months ago .they are responsible for malfencence, complete in-competency and don't believe a word anyone there tells you. because trust me it will be a lie. I hope this keeps some people away from this company and saves them the heartbreak stress and the horrible miss handling that I have been put through CITYWORTH mortgage company in XXXX Virginia is a horrible company do not use them for even a loan to refi or anything you will be sorry
I received a letter from Convergent Outsourcing Inc. trying to collect a debt from XXXX XXXX XXXX that is time barred by the statute of limitations. The letter is dated XX/XX/XXXX for utility bill debt from XX/XX/XXXX.
Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.
I have disputed XXXX XXXX {$210.00} multiple times with equifax. Equifax has failed to verify or validate this debt that they are inaccurately reporting on my credit report.
I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.
I have already submitt ed one complaint about Navient, bu t they have continued to handle my account in appropriately. I make extra principal payments each payment, which they have been putting on principal, but they are continuing to say I am ahead on payments due to this. The supervisor I spoke today said it is being marked as paid in advance. They have never once told me that was marked in t he 3  other times I have spoken to them, or offered to unmark it until I spoke to the supervisor today. They should not be allowed to just mark that with extra payments on principal without discussing it with the customer. That is a shady and unethical way to try to maximize the interest they are getting back on the loan.   Additionally, the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and then the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and the  XXXX  payment was  XXXX   XXXX ,  2017 . However, when the supervisor said he could unmark the paid in advance but then I had a payment due tomorrow,  XXXX   XXXX ,  2017 , so the other payments have not been applied correctly. Every time the payment is made a note is included saying the extra money is to go on principal and not to change the due date.
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the XXXX   Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged on XX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX , XXXX being represented by XXXX XXXX XXXX, ( XXXX XXXX XXXX ), Constantino Law Office, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX on XX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
On XX/XX/2019 at approximately XXXX I spoke with a customer service representative by the name of XXXX XXXX who set up a payment arrangement for an account held with XXXX XXXX XXXX ( Duvera ). XXXX XXXX assured me that with following through with the payment arrangement the account would stop reporting negative and any previously reported negative information would reflect positive, effective XX/XX/2019, when the company updated their reporting. I spoke with a representative today who told me that they will not honor the arrangement made between XXXX  and myself because it is not policy. Another representative stated they would " review '' the account to see what could be done. I made a significant sacrifice to make this payment arrangement under the contingency that the previous negative information would be updated to reflect pays as agreed since the so called missed payments would be moved to the end of the loan ( deferred ). I was made a false promise of improved payment history in an attempt to collect a debt.
Equifax is not honoring FCRA 605B. I submitted an identity theft packet to Equifax via certified mail on XXXX-2017. The item was delivered on XXXX. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. They did not provide one of the statutory reasons that permit them to deny. In fact, Equifax failed to send any documentation or statements explaining the reason to deny the block.Additionally, the asserted reason of conducting an investigation is not a condition of blocking under section 605B. I contacted Equifax on XX/XX/2017 to obtain an update since I had not received anything from Equifax. The first representative transferred me to the XXXX, an agent from the Equifax Dispute Department. XXXX explained that their internal process dictates that they open a 30 day dispute and notify the creditors/agencies identified in the identity theft report. I explained that I had sent them all the documentation required for a block. If the block request was denied, I should have received a letter citing one of the 3 reasons outlined above. I also inquired about the results of the dispute ( since I had not yet received any documentation following my submission of my identity theft packet. XXXX continued to state that only one item on the block request had been deleted. Furthermore, she incorrectly referenced items that have been deleted that were not part of the identity theft packet. The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. After some back and forth, I requested to speak to a supervisor to clarify the reason the block was denied, why an investigation was opened and why Equifax had failed to send any communication or acknowledgement of the matter. I was transferred to XXXX, a supervisor in the Equifax Dispute Department. He also cited the internal policy/procedure to not block identity theft but rather open a dispute and notify the creditors/agencies of the block request. This dispute process would allow 30 days for the creditors/agencies to investigate. I asked XXXX why no communication was sent providing a valid block reason as the internal policy is not a valid reason citing : ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). I have failed to reach resolution with Equifax and have decided to open a complaint as they are violation FCRA 605B.
Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance.
Wrote to TransUnion and have proof through certified mail. I have not received the results of my disputes within the 30 days allowed.
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
This is my second complaint I just filed one yesterday to make my point these people at owcen is next to impossible to deal with they are inconsistent poor communicators and have not respect for people in crisis I got a call from on XX/XX/XXXX from a agent name XXXX he left me a message stating to return his call @ XXXX and if he did not ans.tell the person to get him to the phone instead an agent name XXXX just started asking me questions saying she can help with no regards to my request to speak with XXXX I got annoyed with her and just said anything first she said XXXX was not in yet I asked her what time she expected him then she said he would not be in at all I then called XXXX this XXXX guy answered he was not polite all could hardly understand anything he said all they do is verify info but can not help you after you give them all your demographic owcen must do better this is awful no one should have to go such just to do something as important as getting repairs on your home that you have to live in needless to say it is still raining and I am still dealing with robots. ocwen is company no one should have to encounter.
Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,
We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.
One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.