WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
These amounts were emergency room copays and were incorrect due to being admitted which would wave the copay Also I have a charity care application which covered all my unpaid medical bills at hospital Currently I am XXXX under XXXX
Santander has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. 

Further, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. 

I have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.
On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!
XXXX and transunion never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
I had medical collections from XX/XX/2015 that were paid and removed from my credit report a year ago and now they are attempting to collect the debt again as well as interest. I have tried resolving it with them to no avail. Please help
XXXX XXXX made an erroneous filing of a " severely past due account '', which was submitted in error, based on a fraudulent theft of " courtesy checks '' from my mailbox that in a case they had investigated and closed ( see cfpb complaint XXXX. 

Without contact or notice Wells Fargo summarily blocked and closed this account, causing embarrassment and hardship on the card holder.
The company didn't do anything I cancelled my cards between XXXX and XX/XX/2017 because of Fraud. I cancelled the card and reported fraud and it is showing up as a open account that is delinquent. The amount is XXXX dollars.
I have a student loan that I was making payments on. Due to life complications I stopped payment. I did not receive warning that it was going into default or I would have responded and payed proper attention to the situation. They began to repeatedly call my XXXX friends whom I had used as references, which immediately got my attention ( as opposed to sending me a single email - which I never received ). I signed in to resume payment to see that I was in default. After initial consolidation the amount owed was XXXX. They raised it to {$11000.00} - after selling to themselves at pioneer credit ( their own subsidiary debt collection agency ). Pioneer immediately proceeded to raise it again to {$13000.00}. Upon completing rehab I will be charged up to XXXX % more again. This will more then double the loan amount. This feels like its excessive to me. Do I have options here or do I just have to accept their terms? Thank you for your help in understanding this matter and my options.
I have two leases through GM Financial ; which both are linked to my account. My XXXX has a {$460.00} payment and my XXXX has a {$390.00} payment. Approximately 10 months ago, I was contacted by GM Financial that my XXXX was past due. This was impossible because the money had been debited from my credit union checking account. Problem was GM Financial was applying my XXXX payment to my XXXX, so my XXXX had a two payment of {$460.00} paid ahead. The gentleman I was talking to told me he could see the problem, and that I 'd be assured he would reapply the payments correctly and would " fix '' the auto payment transfer. He did reapply correctly, but did n't fix the transfer as promised.
At this point, I thought I was good to go. Not yet, a few months later I get a call that I 'm past due again. I tell the GM Financial representative that this whole situation should have been resolved. Well, I had to explain the whole situation again ; which they redirected the payments for the second time. The representative told me that my account will transfer as it 's suppose to and I was n't charged any late fees and was promised my credit was good.
For the third and final time, I receive a call a few months later that my XXXX is past due. These guys did n't correct my transfer as promised, and my XXXX payments were being applied to my XXXX again. I explained the situation for the third time, and they assured me that everything was fixed and that my credit would n't be affected. Because it was the third time, I told the gentleman that GM Financial staff had lost my confidence and that I wanted to cancel all of my automatic transfers and I would send a check each month - which is inconvenient in today 's modern world. However, this representative was confident and he told me that this will not affect my credit report because he would make sure of it.
Low and behold, GM Financial marked me 30 days past due on my credit bureau. I have credit bureau monitoring through my credit union - where I 've been a member since XX/XX/XXXX. I 'm attaching my credit bureau for review. I 've been in the bureau since XX/XX/XXXX, the year I graduated from High School. Out of approximately 50 loans, I have never been late on one loan - until GM Financial. My credit score dropped from over XXXX to XXXX because of this.
The score is n't a big deal with me, what is a big deal, is that all future loan applications, finance companies and my credit union will think I 'm having financial troubles and that I pay late ; resulting in them charging me a higher interest rate and not trusting me. I 'm XXXX years old, a husband of XXXX years, a father of XXXX young children, a XXXX of a medium size organization, and have fallen victim to a large corporate entity where my voice is not being heard of.
At this point, what do I do? The representatives are incompetent. My only two retaliations are to file this complaint to see if this will work in them reporting me on-time for that payment ; and not purchasing another GM product. I feel GM Financial may have done this to drop my score so they can charge me higher interest rates for future leases and purchases.
XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 years beyond the FCRA Date of Compliance. Under FCRA 609  ( a  ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance a s  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from  XXXX   XXXX   XXXX  and at th at time re -- aged  the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Wakefiled and Associates continue to try to collect and debt that was included within the Bankruptcy, after 2 yrs they have finally stop bothering me and has removed the item from my credit. what actions can be taken because they disregarded the stay?
I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX    XXXX   and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.
For over 14 months Ocwen has had my misdated letter claim and refuses to process. 
Why have Ocwen senior management teams not had criminal charges filed against them. 
They have wrongly reported me as delinquent when I have a letter on Ocwen letterhead apologizing that for 3 years they failed to open a XXXX file which was in effect when they took over from Homeward Residential. My loan mod paperwork was lost time and time again. They refused to complete the loan modification since they could not find income verification paperwork. XXXX staff are XXXX and can not read XXXX. The executive committee are worthless as is office of Ombudsman. My home was scheduled for foreclosure in XXXX 2014 due to their error. I hired XXXX another bogus scam firm to get Ocwen to remove inaccuracies on, credit reports that are over 10 years old and the statute of limitations has expired. Month after month Ocwen continues to report incorrect information and XXXX is worthless. Yet ocwen continues to fail to remove these credit bureau reporting inaccuracies. I have complained to CFPB several times before with no results. Interest rates went as high as 18 %.
Good day. My dad XXXX XXXX had an account with Wells Fargo in XXXX GA XXXX XXXX XXXX XXXX XXXX GA. At the time my dad was diagnosed with XXXX. My dad used to go 1x a month to the branch and the Branch manager would take my dad rental income from XXXX tenants by money order. He never got a receipt and in fact instead of reflecting XXXX $ income the account started to get depleted. One day my dad went to the bank around XXXX time and the banker told my sister that they saw my dad withdraw XXXX $ in cash. WE were all scared including my husband, grandkids were at my mothers house my mom almost got a XXXX XXXX. And few days later they changed the story stating that he did n't take any money out. This employee was infatuated with my dad /mom accounts and I believe opened accounts knowing that my dad was not XXXX. We have asked for a reimbursement and for 2 years they have told us stories that they needed the money orders tracking nubmers which our tenants did n't keep record and my mom did n't think to make copies. WE are asking for XXXX $ back ASAP or we will expose them and run the local story on XXXX.I am attaching bank numbers for XXXX and then XXXX when WElls fargo decided to change the bank account for " identity theft " reasons. As well as the judges verdict for the employee that took place on XXXX/XXXX/XXXX.
My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX
My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points {$11000.00} Down payment {$3200.00} from Barclay card Maintenance Fee {$870.00} Financed {$8700.00} At XXXX XXXX we were told we would be able to pay our entire maintenance fee by using the Barclaycard. 
We were told we could take a cruise using XXXX points We were told we could rent a car using XXXX points Owner Orientation in XX/XX/XXXX at XXXX XXXX in XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points purchased Purchase price : {$17000.00} Down payment {$3400.00} Amount financed : {$13000.00} They open XXXX XXXX XXXX and charge about {$4000.00} with 25 % rate. This is used for down payment and selling as points, which is valueless and useless. This is false ads and prey on consumers. We have over XXXX consumers complains with same company that open the account on site without any outside consultation with pressure sales tactics by this XXXX XXXX XXXX with bad practice and ruin my finance and used Barclay Bank Credit Card
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXX, Plaintiff, vs. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Defendant Case No. : XXXX REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL I am the defendant XXXX XXXX appearing pro-se. I have been unsuccessful in trying to obtain an attorney because I am XXXX. I only have enough money to live on and pay my monthly bills. 
XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX, AS TRUSTEE, IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, INC. Do not have any rights to XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. The only bank that have rights to my home is XXXX XXXX XXXX XXXX XXXX because I have a home equity loan with them. 
I paid for my home when I got a settlement from my workers compensation case {$81000.00} after my attorney fees XXXX XXXX. I paid XXXX XXXX XXXX XXXX. on behalf of Select Portfolio Servicing. The New York State Attorney General is now involved and XXXX XXXX XXXX XXXX XXXX because I am a XXXX XXXX XXXX XXXX. The have labeled this a scam and they are requesting information. The New York State Attorney Generals Office told me to ask the Plaintiff for this. I expect this to be supplied to immediately. They are going to investigate it again because XXXX XXXX XXXX took my money. Attorney XXXX XXXX never responded to my emails. When I called her, she told me I had to send her a letter. I am asking the court to make her, and her clients provide what I need so the New York State Attorney General can investigate this case again. Please see attached email request for information. 



1. Names and History of Banks That Claimed the owned the Mortgage? 

2. Who is SPS currently servicing for this Mortgage? 

3. Names of All Attorneys Used To Try to Foreclosure On Mortgage? 

4. Note?

5. Rider ( s )?

6. Mortgage/Deed of Trust?

7. Truth in Lending Statement?

8. HUD-1 Settlement Statement?

9. Verification of Mortgage?

10. What was XXXX XXXX XXXX Fee? 

11. Proof of Monies collected by XXXX XXXX XXXX Firm? 
XX/XX/2019 Defendant Pro Se REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL - 1
On XX/XX/2016, I checked my XXXX XXXX account and noticed that Equifax re inserted and address that does not belong to me. It was my father 's address when he was alive. I then went to Equifax 's web site, pulled up my report to verify the reinsertion and it was correct that they had illegally reinserted that address that didnt belong to me. I was never notified by Equifax that they were going to be reinserting an address that doesnt belong to me. They broke the law by not notifying me within 5 days. Also I had sent them proof of address several weeks ago when I disputed other fraudulent addresses.