WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.
I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.
Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX  XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.
US Bank applies over draft fee 's on my account, based on the available account balance. They calculate the available account balance by subtracting my " Debit Card Authorizations '' from my actual account balance. 

" Debit Card Authorizations '' are defined below. 
" When you use your debit card as credit, and authorize payment without using your PIN, the final charge will be submitted by the merchant and reflected in your Account Balance once complete. Meanwhile, these transactions appear as Authorization Pending in your pending transactions list. 

Some authorizations may not be shown between XXXX and XXXX Central Time due to processing. " So this means they are charging me overdraft fee 's on pending transactions. These pending transactions have not completed and been paid yet. They subtract my pending transactions from my balance but not add my pending deposits until they have fully processed. 

I think if they are going to count my pending withdraws against my balance they should also count my pending deposits against my balance as well. 

Thanks, XXXX
THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his XXXX offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. They apartment is now being offered for sale by XXXX XXXX ( XXXX ) XXXX XXXX # : XXXX for {$720000.00}. The apartment is still in the name of the Estate of XXXX XXXX. The bank and the buyer have not been able to transfer title, do to its illegal actions. The Estate feels it is do all remedies available to it by law. Breaking and entering changing the locks without authorization of the Estate which still legally owns the property. They also remodeled the kitchen and bathrooms illegally. Please help the Estate of XXXX XXXX our deceased daughter.
I am late on my payment this month and it is not even 30 days from my due date and you all are threatening to foreclose on my property already. I have not read anything in my loan agreement that says that. 
Last month I was late and you all gave me such a hard time. One guy tried to charge me {$200.00} more dollars on my late fees in addition to the {$140.00} dollars. I did not see that in my loan contract agreement. 
( I am writing this complaint because you all already foreclosed on two of my properties under the same exact conditions )
I have 7 Direct loans totaling XXXX that I have been paying on time, under an income based repayment plan. I have been working in public service full-time since XX/XX/XXXX and qualify for PSLF. I filled out the employment verification form and my loans were transferred to Fed Loan Servicing in XX/XX/XXXX. Based on the information that they sent me they are only counting 10 payments towards my PSLF, when I have actually made 5 years worth of payments that should qualify. In XX/XX/XXXX I spoke with  employee # XXXX and asked for a correction. He said my loans would have to be reviewed, which could take a couple of months, and that they would send me updated information. It has now been over 4 months and I have n't been contacted and never received proper documentation.
We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.
My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.
This attempt to collect a debt that is not mine. This company contacts me by being served at my home. On a car I had 7 years ago the car was repoed 7 years ago. The company I got the car from went out of business 7 years ago. I had nothing to do with this car after that. Until this year I got served saying I owe money for it being stored and towed off the streets in a whole other county I dont live in and I have had nothing to do with this vehicle for the last 7 years. This place called Kelstin Group is now withholding my income. Please help me. I have talked to DMV and the company trying to sue me. Dmv says they have no right to sue me over a repo they took and I have nothing to do with.
To CFPB We previously challenged an inaccuracy on my Trans Union report # XXXX but as it turned out our beloved Trans Union didn't follow the law no, they sent us a report stating that they had investigated this issue and stated that it was mine. However, by law if you accuse someone of something, in a court of law you have to prove conclusively that what you are saying about someone is true, in other

words, provable, Trans Union fell short of this legal obligation putting it back on the ones who reported it, NOT ACCEPTABLE Trans Union.
Therefore, I have referred this issue over to our attorneys who ask us to report back to CFPB to let you know that if Trans Union does not follow the law and send us undeniable proof of this debt we will be forced to file a law suit against Trans Union who will have to pay for my time and effort, including a fine for this inaccuracy court cost and my attorneys fees. We would also request that CFPB do and investigation into Trans Unions practices to determine if this is standard and if so take the appropriate action to correct it.
The following information Regions Bank is reporting on my credit report is false and inaccurate. 

1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. XXXX  is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account.
Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX on XXXX
XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my XXXX.
I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.
XXXX, a TV shopping network, closed my account after years of doing business with them due to results from an investigation that was provided by TransUnion. XXXX used TransUnion 's XXXX online investigative system to investigate me ; the results from the report provided by this system incorrectly linked my account and me to someone whom XXXX says owes them money. I do not owe XXXX any money and XXXX has acknowledged this as well. In addition, XXXX corporate headquarters will not give me access to the results of their investigation although I have requested them numerous times. XXXX maintains that they can not release information about my account to me because there is a debt owed to them and the person who owes the debt has to give XXXX permission to give me information about my account! 
The information provided by TransUnion has adversely affected my relationship with XXXX because they have closed my account permanently and, it may potentially be damaging other business relationships as well ; therefore, I need to know exactly what is in the report provided to XXXX by TransUnion, how TransUnion 's online system is linking me to people and accounts for which I am not responsible and any consumer report TransUnion has regarding me. Most importantly, I need the information corrected immediately.
I need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!
In XXXX my card was stolen and used for over {$1000.00}. I called within 2 days of the first charges. Discover assured me it 's 0 % liability and I have nothing to worry about. Later I was asked to get a police report and went online to file it, I gave the temporary report but it was n't good enough and they determined no fraud involved. I asked to appeal. Advised to get another police report, which I did. I called it in. Everything was assured to be covered under Discovers 0 liability. I received a new letter X/X/17 stating since nothing new was submitted case was closed again. This was incorrect because I submitted a new police report. In addition to the customer service notes showing I called to cancel and replace the stolen card in XXXX. Help me please
I made a purchase with my Macy 's credit card back in either XX/XX/2015 for a pair of white high top converse sneakers for my daughter. I last made a payment to them XX/XX/2015 which was supposed to count for my XX/XX/2015 payment. They were stating that I never made the XX/XX/2015 payment which made me told them to cancel this account which I though I did. Ever since then they have been sending me statements each month billing me for the card which I clearly told me that I did not want and which they expect a higher amount of payment which I am not willing to do as I have not touched that card since. They have also been calling me non-stop harassing me about this from a XXXX phone number so much so that I had to block the number but since I got a new phone, I have n't been able to download the app to re-block them again. This needs to stop immediately, I will only make a payment on what is owed from that purchase nothing else nothing more.
Equifax is allowing the creditor to reage the account so that it reports longer than the FCRA allows. Previous evidence shows Date of First Delinquency XX/XX/XXXX with FCRA reporting of 7 years. By calculating 7 years of credit reporting, this account should report until XX/XX/XXXX. However, it is now XX/XX/XXXX and this account is still reporting until XX/XX/XXXX, which the XXXX has reaged the account in order for it to report longer than FCRA law allows. I have communicated with Equifax with disputes and with the creditor XXXX with no resolution ( exclusion from my credit file ). 

XXXX is reporting the Date of First Delinquency as XX/XX/XXXX which is the date of the charge off. The date of first delinquency per FCRA law is the actual date of first delinquency that made the account delinquent and not brought current ( which is XX/XX/XXXX ). The DOFD has absolutely nothing to do with the date that the creditor actually charges off the debt and gets the account off of their books. XXXX is using the wrong date to continue to report. It is as plain as black and white. Please make them understand the FCRA law. XXXX continues to be defiant of the FCRA law on this account to do me as much harm as they possibly can.
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.
i am here in usa before 6 year exactly in XXXX/XXXX/XXXX and i get my ss ln XXXX/XXXX/XXXX before l was good in my live but in XXXX i had big problem like jobs living and ... ... .everything necessary in live for example i submit an application for XXXX, XXXX, XXXX and other. all those accept me because l am good driver and never have accident or tickets but when they see my credit they sad me we can ' t accept you because you have bad credit same problems when i want rent an apartment for living if i do not bring other person or/and bring money for deposit. l am tire with living in hotels please i need helps. 
i send an fax to experian but nothing i coll XXXX and XXXX they sad me your problem is Experian. 
thank you and i am sorry for my XXXX.
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/2011. I have never been to XXXX County. 

Regards, XXXX XXXX
PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed
XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to XXXX XXXX XXXX. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX