WillisBack/dataset-financial-user-claim huggingface dataset:
I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX there is no reason for the agencies not to remove this ASAP. To date, only Experian has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX XXXX XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for Experian in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
The lender has refused to postpone sale while actively reviewing this file for loss mitigation options which is a violation of Reg X/RESPA guidelines and Dual Tracking. the lender is also not allowing for an appeal period after the decision is made regarding the review - if denied.
Issue started on XX/XX/XXXX. 

Coinbase app. 

I was studying fees on the app. 
I put in an amount more then was in my checking account. ( normally, with any other payment method i had used up untill this point, it would just reject a charge like this. ) Apparently with a checking account it goes through no matter what and will even draw the account into the negative. The amount was 1,000 's of dollar 's more than i could affort ( again, i was studying how the fees worked, if it was an exact percent, or how it scaled to the amount, and payment method. ) This is what i was trying to do/understand. 

So i had no other choice but to contact my bank and put a stop on that one charge. 

I still have funds and other payment methods i would like to use to invest in crypto currency. But being locked out of coinbase, also locked me out of XXXX. And it seems every other USA based bitcoin  purchasing avenue. 

I can understand how this is a problem for coinbase. But there was no explination ( that i saw or have seen ) that a charge to the checking account was capable of over drawing my account. Every other payment method simply doesnt go through if the amount exceeded funds/limits..
There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .
This item is OVER 7 YEARS, IT WAS REMOVED AND NOW BACK ON. How can your agency do this? This remark is violating my rights XXXX # XXXX
We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. 
Verbal confirmation not written was given that they did receive the requests. 
Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. 
Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. 
We sent and confirmed another request on XXXX XXXX, XXXX. 
Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. 
We now have received a Notice of foreclosure and have still await qualified written request documents. 
On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.
I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.
On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX  amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX   they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX  portion of my son 's bill at XXXX XXXX  XXXX Insurance paid XXXX I owed XXXX   XXXX XXXX  sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX   directly billed XXXX. An Agent or Physician with XXXX XXXX   XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX  with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.
My complaint is against Equifax, XXXX, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to Equifax, XXXX, and XXXX. The problem that I am having is, Equifax, XXXX, and XXXX, still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's Equifax, XXXX, and XXXX  responsibility to correct the problem and Equifax, XXXX, and XXXX  says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
I can not access my credit report because it is confusing me with my twin brother. XXXX, experian, and XXXX have not helped me at all.
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.
Financial Solution Providers responded to my 1st Complaint by saying they removed my file from their calling record but Ive received two calls afterwards and one where I have the voicemail still. 

Previously as well FSP contacted my place of Employment and disclosed everything I allegedly said to a Representative on the phone prior ( whom Id asked multiple times before to quit calling me & my place of Employment ) Im aware the State of Florida is beyond lenient on holding Telemarkters/Debit Collecters accountable for their actions and its very unfortunate. 


A Representative misrepresented himself by pretending to be someone else with a different name. Id like to know how thats acceptable? 

Another Representative misrepresented themselves as a XXXX Sherriifs Deputy to me. Id like to know how thats acceptable behavior? 

This Business Commits Many FDCPA Violations.
I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.
I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.
I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.
In XXXX, XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa credit card account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PR XXXX in XXXX, XXXX. 

Working with XXXX XXXX XXXX XXXX XXXX XXXX, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX. 

However, on XX/XX/XXXX of XXXX, XXXX XXXX once again made a inquiry of my credit with XXXX  and Equifax credit bureaus. 

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX explain the nature and purpose of this credit bureau 's inquiry of my account. 

To date, I have not received any response from XXXX XXXX XXXX. on my request.
To sum this up I have been a victim of Wells Fargo predatory lending and cash out financing as well as opening a home equity account I never asked for. This was 10 years ago, I was not aware of it at the time and they took advantage of my divorce situation and completely disregarded the consent orders. Each and every time I ever spoke to anyone at Wells Fargo they stated things like " you need to leave the home '' or " what makes you think you deserve a better interest rate ''. They have destroyed my finances and have prevented my family from moving forward financially and they have caused much XXXX for my family with no resolve. They have disrespected the consent orders and direction provided by the OCC. They now have supposedly transferred servicing to XXXX XXXX loans and they put it right back on my credit report again. How could they be permitted to sell my mortgage for a third of the value when I have been so damaged? They never attempted to foreclose through all these years, why? Because they know of the wrong doing that would come out and they somehow believe that transferring the mortgage to XXXX will shadow that. I know the local court will be able to see through that, however this should be addressed at a higher level, I am sure there are many families that are suffering through a similar situation. I have been damaged much more than the cost of the original mortgage. 
I would ask that you please look into this so I may get some resolve. I have spent so much money through the years on attorneys and loan Modification Company 's and I just can not keep going on like this.
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX
On Friday   XXXX   XXXX   XXXX   I contacted  XXXX   XXXX   XXXX   XXXX  to refinance my car loan from  XXXX   XXXX . I submitted an application by phone to  XXXX   XXXX  tele #  XXXX   XXXX   XXXX  x  XXXX . After I gave verbal permission to run my credit and  FICO sco re I was informed my score was  XXXX . This is NOT possible since I just refinanced my home with a FICO score of  XXXX . I explained this and was told this is the underwrites decision. I obtained copies of my credit report & FICO scores on   XXXX   XXXX   XXXX   which showed  XXXX  Experian  XXXX   XXXX  &  XXXX   XXXX . Additionally I sent copies of my credit report from  XXXX   XXXX  who refinanced my home which shows  XXXX  ... see attached docs.   On Monday   XXXX   XXXX   XXXX   I applied to  XXXX   XXXX  to feri at a lower rate. Again I was shocked at what my own bank told me here is what they told me bUT would not disclose my FICO score.    XXXX   XXXX   XXXX  ext  XXXX  Application number  XXXX  Applicant  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  Vehicle  XXXX   XXXX   XXXX   Vehicle I dentification Numbe r ( VIN )   XXXX  Loan type Auto Refinance Amount requested {$12000.00} Amount approved {$12000.00} Interest Rate 11.49 % fixed rate Annual percentage rate ( APR  ) 1 11.929 %  APR Term 48 Monthly loan payment {$320.00} Loan closing date   XXXX   First payment date  XX/XX/2017
Afni   XXXX   XXXX   XXXX   il   XXXX     reporting a   XXXX   XXXX   XXXX   account from  XX/XX/XXXX 2016 to  XXXX  no account in 2016
I attended XXXX XXXX XXXX and because I was n't able to get enough Financial Aid to cover the classes, they offered a " Temporary Credit Agreement. '' This meant that I could take classes without paying for them until I graduated. I have paid on the " Temporary Credit Agreement '' since I XXXX in 2013, but recently XXXX XXXX XXXX closed. I do not believe that their promise to help me find a career was fulfilled, and now that they are closed this will remain the case. Since their accreditation is under scrutiny, I feel I am paying for classes that did n't provide me with the education I paid for. Now that XXXX XXXX XXXX is going through bankruptcy, I ca n't get any information on how to forgive the " Temporary Credit Agreement '' through the collector.
The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines, '' XXXX director XXXX XXXX XXXX wrote. " Experian has already submitted a cease and desist notification to XXXX for all credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' In XXXX, the XXXX credit reporting agencies informed debt collectors like XXXX that they were to stop sending notices of unpaid red light camera citations by XXXX XXXX, 2016. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. '' Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 

I have XXXX paid parking tickets on my experience credit report that should be removed.