WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS  VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal identification information defined as individuals, social security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH
I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about.
On Tuesday, XX/XX/2018, I contacted Equifax to have a bankruptcy thats reporting on my credit file removed. I supplied them with the identity theft report. That same information was also sent to XXXX  and XXXX ; they both removed the bankruptcy from my credit file, however Equifax has not. Furthermore, Equifax responded stating that the data furnisher verified that the bankruptcy is correct. 

I was told by someone in XXXX Customer service department that XXXX furnishes the data to Equifax. 

I have since then had my personal data suppression request approved and in accordance with section 605B of the FCRA I would like to request that this fraudulent bankruptcy be blocked from my account.
I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & Experian ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Subject : Loan Modification RMA was Denied. Homeowner is claiming mortgage discrimination in the follow : Discriminatory Unfair Evaluation of Request for Loan Modification, PRA Principle Reduction Alternative. Homeowner claims is qualified under the appeals section within the DOJ/National Mortgage Settlement Agreement. 
This homeowner, feels that our case has been unfairly treated for the following reasons:1. Homeowner was denied for financial DTI Debt to Income ratio and the LTV Loan to Value percentage. 
2. Homeowner provided all the documents in a timely manner. The denial is unjustified and unfair. 
3. The bank stated that the homeowners income was low and could not afford their mortgage. 
The denial did not use the property value in the consideration the property was underwater. 
4. Key Bank did not use a NPV Report within their basis for denial. 
5. The homeowner had a first mortgage modified and has made more than the required 12 months of payments on time. 
6. The homeowner was separated from his his wife the cost of the XXXX household and wife and child support caused a extreme financial hardship : which caused to late payments on the mortgage. 
7. The Key Bank stated that homeowner does not meet the requirements? Homeowner was not provided a list of requirements, or given a basis of denial within the denial letter XXXX/XXXX/2015. 
8. Upon the denial of a modification, an appeal was verbally filed with Key Bank representative XXXX XXXX at contact number : XXXX, homeowner is within the 30 day appeal requirements. 
9. Since the denial of the loan modification, homeowner has requested via an authorized third party copy of the NPV Report, a basis of denial report, was the waterfall process used within the denial?
inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM.  illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.
I received an email alert from Experian credit bureau telling me that my score has dropped by twenty points - from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Upon inquiry with experian I was told by two representatives that it was due to a late payment reported almost seven years ago. Another representative told me it was due to inactivity for the past three months on my two open credit cards. This of course is not true since these cards are used on a daily basis for everyday purchases. I pointed out to the representative that I have not had any adverse report from the other two agencies ; in fact I have very high scores of XXXX and XXXX with XXXX  and XXXX respectively. The representative went on to tell me that there was nothing that could be done about it. I asked to speak to a supervisor who also reiterated that I can not dispute a credit score. 

I find it arbitrary and unfair that a consumer can be treated in such a fashion. This is a company that wields a lot of power over consumers and has the ability to affect a consumers daily life negatively! I truly hope I can have some recourse.
XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX+ Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance
Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.
On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX
In XX/XX/XXXX I reviewed my credit report with FICO.On there I notice an reinserted item that was previously deleted on credit report in XX/XX/XXXX.in accordance with the requirement of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days and this never happened. ( B ) Requirement relating to reinsertion of previous DELETED material. ( ii ) NOTICE TO CONSUMER.If any information that has been DELETED from the consumer 's file, the consumer reporting agency shall notify the consumer of the reinserted in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any means available to the agency. I received no Notice of this reinsertion and this is a very serious violation of FCRA. I sent Equifax a letter on XX/XX/XXXX certified on XX/XX/XXXX to inform them of this reinserted item on my credit report that was DELETED and has now been put back on my report without notification of these action within 5 business days.Credit confirmation # XXXX dated XX/XX/XXXX will show remarks that XXXX XXXX # XXXX is not reporting on credit report, confirmation # XXXX dated XX/XX/XXXX will also show remarks that XXXX XXXX s & XXXX are currently not also reporting on credit report. HERE IS A LIST OF CREDIT REPORT ALSO NOT EVEN REPORTING ON CREDIT REPORT # XXXX= XX/XX/XXXX, # XXXX =XX/XX/XXXX, # XXXX= XX/XX/XXXX, #  XXXX=XX/XX/XXXX, # XXXX= XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX. I received a letter back from Equifax on XX/XX/XXXX stating everything is accurate and verified and there has been updates never addressing the real issue THE REINSTATE WITHOUT NOTICE THAN THEY GOING TO SAY THE ACCOUNT HAS BEEN UPDATED HOW CAN YOU CHANGE AND ACCOUNT # ON AN ITEM THAT WAS # 1 REMOVED OFF CREDIT REPORT BUT UNTIL I SENT IN LETTER THE ACCOUNT NUMBER WAS THE SAME AS THE ONE REMOVED NOW IT HAS CHANGED COPIES ARE ENCLOSED WITH THE ACCT NUMBER THAT WAS REMOVED NOW ACCT # CHANGED. THEY HAVE VIOLATED THE LAW AND IT NEEDS TO BE REMOVE AND NOT PUT BACK WITH NEW ACCOUNT # LOOK AT ALL REPORT AND IT WILL CONFIRM THIS ITEM WAS NOT REPORTING UNTIL ILLEGAL REINSERTATION IN XX/XX/XXXX XX/XX/XXXX
This company Diversified Consultants , Inc. calls and harasses me all day long! they leave messages or they hang up. Trying to scare me into paying for something.
TOTAL AND XXXX KEPT CALLING ME AFTER CEASE AND DESIST AND CEASE COMMUNICATIONS IN VIOLATION OF TCPA, FDCPA AND DSCPA INFRACTIONS.
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.
I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.
The company advises that I owe the amount of {$1200.00} and the payments are late. This is not my account.
I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?
Many complaints and certified letters to XXXX Experian and XXXX   requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
XX/XX/2018 Capital one bank USA reported unrecognized hard inquiry on my XXXX   credit report
I was paying Navient mounthly. all of a sudden they no longer contract me for payment ; that was 2 years ago. Then XX/XX/2018 I recieved a bill from XXXX XXXX XXXX XXXX. Which is a collection agency. I had prior notification that the loan was bring sent to XXXX. When I called Nevient, they new nothing about XXXX. they gave me a phone number that was for account information. when i call them they informed me that the account was sent there. I ask them why i never recieved a notice.and why I wasn't informed about the account bring sent to collection and why it took tab
Last year I fell a little behind in my mortgage due to health issues and financial loss, I contact Mr. Cooper who was assigned to take over my mortgage from XXXX XXXX in which I was not made aware of that change until XX/XX/XXXX. 

So for months, I was explaining to them of my hardship and they stated they would work with me I thought I was approved for loan modification in which I started to make payments of XXXX in XXXX. While trying to following there online system which failed when trying to make payments it refused mine and thus being said they denied my modification and now they have placed me for foreclosure. 

This company is hard to get on the phone and I am so frustrated I never had a problem with XXXX XXXX and I never missed any payments until last year and now they are telling me the XXXX XXXX has my loan and there is nothing to do. Please help me I am able to make payments now if they would just work with me.
I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested. 

A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold. 

I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX.
We were sent a letter from Freedom Mortgage stating our XXXX XXXX, 2016 payment was not received. This information was incorrect. My bank sent the check via automatic bill-pay on XXXX XXXX, but their records showed that the check was not cashed. When I called Freedom Mortgage to explain, they eventually found the check and claimed it was an " accounting error '' on their end and they would take care of it. Despite this conversation and several more over the last 6 months, along with letters from my bank and copies of cashed checks showing they have been receiving my payments, I continue to get collection letters in the mail stating the contrary. I checked my credit report only to discover they have reported my account as 60 days overdue & worse, my credit report shows the payments have been late from XXXX to XXXX, which is a complete lie. Once again, my bank provided documentation proving that all payments have been received AND cashed ( except XXXX 's which was deposited later, after they located the check ). Despite my many attempts to rectify the issue, Freedom Mortgage continues to be non-responsive. It has been 7 months now and they still have not corrected THEIR " accounting error '' so I filed a dispute with XXXX and CFPB.