WillisBack/dataset-financial-user-claim huggingface dataset:
This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.
XXXX XXXX is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit
I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...
JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you
On X/XX/2017 I authorized a funds transfer to another bank. That evening I received a phone call at a number that I never had given to the Chase Bank, NA. They mentioned the amount of the transfer and then tried to get me to register my phone with them by sending a code. I had no reason other than their possession of this one piece of information to believe that they were legitimate representatives of Chase Bank. I hung up and soon thereafter called Chase Bank at the number on the back of my debit card. 

I was informed that the transfer had been canceled and I should talk with their fraud prevention dept. This department insisted that I was not who I said I was and that they had also frozen my account and access to their website. I spoke with XXXX among others. They said in order to prove who I am, I would have to go to a Chase Bank and show two forms of ID. I told them their was no bank near my home and asked them if their was a bank close. They asked my address and then hung. This happened three times. I am ill and have a limited ability to travel 100 miles to another state to verify my identity.
I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
On XXXX XXXX, 2015 from my savings account at TD Bank located at XXXX XXXX XXXX, XXXX, ME I had an international wire transfer of {$3600.00} in XXXX funds to a bank in XXXX. The purpose of the funds were to pay for tuition of a student that was going to attend a prep school for college. On the TD Bank XXXX Outgoing Wire Transfer Form under Reference it stated : Tuition for the students name and his date of birth. The student had provided me with the schools account number, bank name and SWIFT account information in order to complete the wire transfer. The student obtained this information from a Financial Representative of the school. The name of the school is XXXX XXXX XXXX. ( See attachments ). The money was successfully transferred to the Bank XXXX XXXX into the schools bank account. During the week of XXXX XXXX the student advised me that in his discussions with the Financial Representative she had not checked with the Enrollment Department and had now told the student that the classes were full and he would not be able to enroll in the school. On XXXX XXXX, 2015 I went to TD Bank and asked them to initiate steps to have the funds returned. The bank representative said they would contact the TD wire department to request that the funds be returned to my account, reverse the transaction. The bank representative said the Bank XXXX XXXX may charge me for the wire transfer back to my account. According to a representative from TD Bank they advised me that the wire department had requested a return of the funds on XXXX XXXX, XXXX and XXXX however there was no response from the Bank XXXX XXXX. Currently I do not know if any other requests were made to the Bank XXXX XXXX for the return of the funds as I have been traveling and need to contact TD Bank for updated information. The Financial Rep. from XXXX school told the student that she was in contact with the Bank Manager at the Bank XXXX XXXX and requested the money be returned to the sender since the student was not enrolling into the school. On XXXX XXXX, 2015 after discussions with the Financial Rep. the student obtained a XXXX from XXXX. The XXXX states in part that XXXX rejected the {$3600.00} XXXX dollars that was sent by international wire into the XXXX account at the bank for the tuition for the student, as the student was not enrolled in the school. On XXXX XXXX, 2015 the student also took a copy of this XXXX to the Bank XXXX XXXX and provided the document to the bank manager. The student also sent this XXXX to me via email and translated the document from XXXX into XXXX. ( See attached ) TD Bank reps have advised me that this matter will be closed within 60 days beginning on XXXX XXXX when I requested the funds be returned to my savings account. TD Bank reps have stated all they can do is have the wire transfer department continue to request the return of the funds, but that if the Bank XXXX XXXX does not return the funds, there is nothing they can do. Basically TD Bank reps are saying that after 60 days I 'm out of luck if the Bank XXXX XXXX does not return the funds.
this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and XXXX.
I called SunTrust to close my checking account as I moved and the closest SunTrust is over 3 hours away. They refused to close my checking account over the phone. They said that because it had more than {$100.00} dollars there was some kind of security confirmation and they asked for my phone number. Then they said even though the number matched the one on my account and they could see it was the phone I was calling them from that it didn't pass their " third party verification '' test. My cell phone plan is in my wife 's name so apparently that fails the test despite the fact that she is also on the checking account. I told them to just close it and send a check to the name and address registered on the account that's been the same for more than a year. They refused. I asked them to do their extra security verification in any other way since their " third party '' cell phone number verification was not working. They refused. I got a manager on the phone and she also refused to close my account. They stated that I would need to withdrawal all the money so that the balance was under {$100.00} dollars or they wouldn't close it. There is a {$3000.00} min balance on my account so doing that would likely result in generating a fee, but they didn't care. The manager told me the only way to avoid the fee would be to change my account type, but the new account type came with a $ XXXX monthly fee. She said if I hurried then I could remove the money and close the account to avoid the fee. This is very unacceptable in my opinion. No bank should be able to refuse to close an account in good standing and proceed to make the customer jump through hoops to hopefully get it closed and avoid fees.
I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
XXXX is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.
I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.
XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX
This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.
We recently ( about 3 months ago ) filed for bankruptcy. We notified Ditech that we would be reaffirming the debt ( our mortgage ) and requested the paperwork that needs to be filed in Federal court. Since then, myself and my attorney have contacted Ditech numerous times and they keep saying " they are working on it. '' The filing deadline is XX/XX/2018, just a few days from now and they are still refusing to provide the documents. I have had to pay my attorney extra fees now to file a request for an extension with the court. Ditech is purposely doing this to put us into a position where they can force a foreclosure on our home. I am permanently XXXX and Ditech wants out of the contract. Purposly holding up the bankruptcy from being finalized is also causing financial problems. Ditech either needs to provide the paperwork required by the court, or provide a lien release if they continue to refuse to let us reaffirm the debt.
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.  XXXX  BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!