WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.
Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX
I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month.
I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.
I have contacted all three credit bureaus multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding XXXX hard Inquiries and two car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports TransUnion, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
Equifax has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.
In XX/XX/XXXX I paid my mortgage with XXXX XXXX XXXX XXXX before the due date because I was going to be out of town and I wanted to make sure my payment was made.

I paid the mortgage at the XXXX, Oh branch of US Bank. On the receipt I was given it clearly said mortgage payment. On XX/XX/XXXX I missed a call while at work I called the number back at lunch time and was XXXX XXXX XXXX XXXX. I explained to the representitve that I missed a call and was told their was a problem with my mortgage but without my account number they could not elaborate on this " problem ''. So I left work drove home and called back with my account number and was told that my XX/XX/XXXX payment was past due. I told them that they were incorrect and I had a receipt proving I paid on XX/XX/XXXX. After some discussion they were able to figure out that even though the receipt clearly stated mortgage payment they mistakenly filed it as a principal curtailment.I missed over 2 hour of work due to their incompetence.
citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.
Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.
I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008. 
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know. 
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone. 
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help .... 
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it. 
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day. 
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC. 
I know they 're swamped but if you can give us any advice, please do ... 
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well. 
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze. 
Please, Please, Please call or write me at your earliest convenience ....
I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.
The following debt for XXXX was paid in XX/XX/XXXX not only sid i pay XXXX but i also paid the Oringal collection company XXXX XXXX dollars. After the debt was removed it was resold to convergent outsourcing what appears to be in XX/XX/XXXX. This item was removed from my report over 6 months ago and is now on my XXXX report. This debt has been paid and documentation was provided to XXXX. This item should have not been sold and should not be on my credit reports at all.
I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX/XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Capital One charged me a {$25.00} late fee on the same day my payment was due. How can this be ethical? If this is allowed to continue I will be assessed late fees each month my payment is n't submitted by XXXX on the due date. Again appears to be an unethical money scheme.
For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
The Dept of Education and XXXX have listed multiple loans out in my name with derogatory remarks on all of THEM. When applying for a loan through them, I was n't intending to ever be late on payments or default. My account was sold to XXXX XXXX XXXX and I 've been making every single payment on time! I need help removing these additional accounts in my name. Having one account listed with derogatory remarks is fair. I missed payments and could n't make ends meet. I believe I 've been punished for long enough for a loan I took when I was XXXX. Please help me fix this information. If my loans were combined and sold to XXXX XXXX as one entity, my credit report should show a sole account under the US Department of Education. These same loans are listed under XXXX XXXX, AS WELL. Two entities reporting on the same loans??? I should have one account under US Department of Education. Not two accounts listed for the SAME LOANS under two entities. Only one entity should be reporting these loans, not TWO. Please help me remove these other accounts.
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX  still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX  first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX  has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA  XXXX XXXX XXXX  is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX  stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
XXXX XXXX XXXX XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to Frederick J Hanna & Associates, PC in the amount of {$780.00}. I sent a letter to XXXX XXXX stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from Frederick J Hanna. I feel they are pulling information from XXXX County online court system and trying to fraudulently trying to collect money from me.
OCWEN Loan Servicing failed to notify me of a decision, or anything, regarding my request for a loan modification, nor have I heard from Ocwen directly of the need for anything other than what they requested, " a complete application packette. When I last spoke to OCWEN, on XX/XX/2017, they stated that documents were needed that they did not make me aware of prior to my call. Ocwen suggested I send nothing in at this point that they would procede with forclosure of my home on XX/XX/2017 @ XXXX XXXX. I have no idea what the status of my Modification is and have not heard fromm OCWEN since I contacted them on XX/XX/2017.
I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge.
To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, XXXX XXXX
I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.
Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable to me.
We are receiving phone calls from the collection agency that says I owe money to XXXX a cable company from my old address when we moved we transfered the service to new address until last year and we switched to another company and all the bills were paid off ( they have the old address on file ) I contacted XXXX and spoke to collection department and they said that I do n't owe them any thing. 
I explain everything to this agency and they keep calling and every time it is a pain and waist of time and i am so sick of this situation Southwest collection is the caller from this phone number XXXX
I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.
this is a continuation of the case # XXXX against CHASE BANK TWO MONTHS AGO ON XXXX XXXX THEY RESPONDED THAT I HAVE CREDIT BALANCE OF XXXX AND I OWE THE MORTGAGE FOR XXXX XXXX XXXX XXXX TOTAL DUE {$1200.00}. WHERE AS I HAD ALREADY PAID FOR XXXX XXXX AND THEY CLAIMED THEY DID NOT RECEIVE MY {$900.00} PAYMENT IN XXXX XXXX. 
I SUPPLIED THEM THE ENTIRE PAYMENT RECORD FOR THAT PERIOD.. 

NOW THEY CAME UP WITH NEW THING THAT MY ESCROW IS SHORT OF XXXX AND I AM STILL A MONTH BEHIND. 

DO THE CHASE HAS ANY SINGLE EDUCATED PERSON LEFT IN STAFF SO THAT HE/SHE CAN GO TO MY PAYMENT HISTORY AND CALCULATE HOW MUCH I PAID IN LAST 45 MONTHS AND HOW MUCH TOTAL I WAS SUPPOSE TO PAY IN LAST 45 MONTHS. 
IS THIS TOO MUCH I AM ASKING .. IT WILL TAKE LESS THAN 2 HOURS TO GO TO EXCEL SHEETS AND JUST VIEW ALL PAYMENTS MADE AND THAN JUST VIEW HOW MUST WAS DUE. 

THEY DO NOT WANT TO WORK THEY JUST LIKE TO HARASS CUSTOMERS BECAUSE THEY GET PAY FOR THIS TOO. 

SHAME ON CHASE BANK. 
BUT I PROMISE I AM NOT GOING TO PAY TWICE EITHER NO MATTER IF I HAVE TO GO TO THE COURT ... 

XXXX AND XXXX XXXX LOAN # XXXX
Under the laws of the State of Georgia UCC and State 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 available State and Federal statutes and UCC - 9 remedies.

I am not liable for this vechile.