WillisBack/dataset-financial-user-claim huggingface dataset:
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE EQUIFAX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM EQUIFAX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. EQUIFX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
I disputed  XXXX  collection that i seen on my Equifax credit report that i have no knowledge of. They did a investigation and told me that the collection belong to me with out any proof of me agreeing to owing these collection.  XXXX  of them is CC collection for {$140.00} and the other  XXXX  is also CC collection for {$56.00}. I reported it on  XXXX / XXXX /  XXXX   or on  XXXX / XXXX /  XXXX  . i got a response on  XXXX / XXXX /  XXXX  . I 'm not satisfied with this response due to the fact that the other  XXXX  bureaus had them deleted.
On   XXXX   XXXX  ,  2017   , I had given a friend of mine my debit card to temporarily use. He had informed me that there was going to be a lot of transactions and deposits going to my bank account, and also asked me for my online banking login information. He told me not to worry and assured me that everything would be fine. Taking his word, I did not worry at all, although I was observing his activity from the online banking system.     The next day, I received some text notifications from my bank that my checking account was placed on a restriction due to the amount of activity associated with it. Not worried too much by it, I contacted the bank and cleared the restriction. Before the day had concluded, my online banking access had been completely revoked.     On   XX/XX/XXXX , I had co ntacted my bank to ask if my paycheck from my job ( which was direct deposited on that day ) was in my checking account. They told me that it was, but I would not be able to receive it due to checks that my friend had deposited to my checking and savings being considered counterfeit. They told me to give them until the   XX/XX/XXXX  to th oroughly look at the checks to see if they were real or not.     When the     XX/XX/XXXX  came aroun d, I had contacted in the early evening to learn that the checks were returned and that the only available funds out of both my checking and savings was {$290.00}. They also provided me the process for how to receive the funds.     The next morning, I went to a banking center to withdraw the above mentioned funds from my checkings while distraught by the realization of all that happened within that short couple of days.     I did n't learn of my accounts being officially closed until I went to a banking center  on the  XX/XX/XXXX  attempting t o clear a small negative balance in my savings account.
This is about Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX CA. 
My wife XXXX XXXX went into this branch to deposit a {$700.00} Check she placed her debit card in the reader and handed the check that she had previous signed to the teller for deposit. She asked the teller if she needed anything else the teller said no you can go, she did not get a receipt.. The money never appeared in her account. My wife filed a report with the XXXX XXXX Sheriffs department. Case number XXXX the detective on the case first name is XXXX at the XXXX Sheriffs station her number is XXXX XXXX XXXX branch manager had my wife and I come in today to look at Screen shots of my wife at the teller station on XX/XX/2018 at XXXX to XXXX XXXX It appears she cashed the check which she did NOT. When you look closely at the screen shots it is very obvious they have been Photo Shopped The manager would not give my wife or I the pictures, and was going to delete them.
After several attempts to contact XXXXXXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all XXXX credit reporting bureaus. The amounts from XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXXXXXX XXXXk and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ).
Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.
I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month.
I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.
XXXX XXXX XXXX Court House and XXXX XXXX XXXX Records Office told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Equifax keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.
I have reached out to Credit Acceptance over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that credit acceptance was reporting that account as a collection  account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until credit acceptance updates my report to reflect my account paid as agreed.
A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. 
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. 
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DEBT REC SOL. The original creditor was XXXX XXXX XXXX.
On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.
At the time of this visit to the hospital I was fully insured. I was not made aware that this doctor was NOT a regular on staff physician for XXXX XXXX XXXX and would send a separate bill for his services. My insurance has a binding agreement with this hospital for charges and this charge far exceeded that agreement. I am NOT responsible for these charges. 
XXXX such as this should be made to function under the agreed upon charges as stated in the contract with my medical insurance.
I have made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage
I am reporting a case of Mortgage fraud, the borrower XXXX XXXX and XXXX XXXX, we sued in superior court and lost, and also lost the appeal, I recorded a judgement on XX/XX/XXXX for the amount of {$52000.00} plus interest. I discovered XX/XX/XXXX that the XXXX had refinanced the house as of XXXX in order to avoid the judgement. I immediately notified the bank and the Title company of the fraud. The bank has done nothing to the borrowers and nothing to satisfy my judgement. I have also been in tough with the Title insurance company, which has stated they are going to do nothing until the bank faces a loss, Amerisave has avoided contact ignoring email and telephone calls. They are allowing this fraud to continue.
I was scammed by a cab driver who stole my debit card, cell phone, and PIN by making me swipe it to pay for the ride. They ended up keeping my debit card and I didn't notice until the next morning when I woke up. I had charges for on XX/XX/XXXX while I was asleep for the following between XXXX and XXXX XXXX  : 2 ATM withdrawals from the same ATM for {$480.00} & {$500.00} and another for {$23.00}. 

1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$130.00} 1 Purchase at XXXX for {$81.00} I called them in at XXXX XXXX when I woke up the next morning and told them everything and that my phone was stolen. Today my claim was denied and they did not have a record of me telling the claim department my phone was stolen even though it was. I asked for recordings and they said I need a subpoena. The 2 ATMs were the same as my bank so I asked if they can get the camera footage from that and they said police need a subpoena for that. They said I need to provide more evidence to change the status but I am not in the power of authority to do so.

I filed a police report and fraud packet to my local police dept who is working on it and the bank stated if it takes more than 30 days, the claim will be closed forever.
I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin with.
On XX/XX/XXXX, I received a call about a civil complaint being filed on myself. I called them to receive the information and I was informed that I owed XXXX XXXX collecting on behalf of XXXX XXXX dollars ... ... from XXXX ... ... 18 years ago and to pay XXXX dollars now to settle or I would be sued. I asked for proof of the debt, and they told me they would show me when they took me to court. I called back and asked for proof of the debt again they repeated they would show me in court
After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.
These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.
I filed a complaint against  two  mortgage companies :  XXXX   XXXX   XXXX  and Nationstar. The filing number is  XXXX .   XXXX  Nationstar has responded to my complaint, but it sends the information regarding the same to my previous attorney,  XXXX   XXXX .  XXXX   XXXX  has lost his license to practice law in Florida due to complaints from citizens regarding his handling of their claim against mortgage companies.   XXXX  He was my attorney in our claims against  XXXX   XXXX   XXXX  and Nationstar.   XXXX  I have numerous email messages from him regarding our complaint, but he is not representing me or my husband.   XXXX  Please ensure that both  XXXX  and Nationstar send correspondence to me as opposed to  XXXX   XXXX .
Equifax is taking too long to conduct my investigation and respond. I requested an investigation XX/XX/XXXX, but they have not yet responded to me with the results.
When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.