WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX  filed a civil suit against me to collect a medical debt for  XXXX  with 6 % interest from  XXXX / XXXX /  XXXX  . And the courts made a default judgment and put a warrant out. i was never contacted and made aware of this case. My rights to be made aware of judgments against me and to defend myself was viloated not to mention the emberassment that resulted from this. My right as a consumer were completely violated by this company and their lawyers  XXXX  and  XXXX .
Midland Funding has reported false information. They have illegally re-aged this debt. The original debt from XXXX XXXX was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with Midland Funding or XXXX XXXX. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XX/XX/XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor XXXX XXXX Nevada when in truth it is just XXXX XXXX. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX
Complaint is to Wells Fargo Mortgage. The issue is my XXXX mortgage interest reported in XX/XX/XXXX and in XX/XX/XXXX. ( I have yet to check the prior years so there may be additional problems ) My XX/XX/XXXX XXXX is not correct. The amount listed is about {$4000.00} too less. I paid more into my interest for my mortgage tax. I asked and Wells Fargo said it is less because they gave me a refund in prior years. That is not legally correct to do. First off, I did not receive any money and have NO receipt for such. My XXXX does not show a refund either. Nothing was ever refunded to me. So Wells Fargo is admitting the number is incorrect however their reason is incorrect and never occurred. 


My XX/XX/XXXX XXXX has been reported to me by Wells Fargo in a letter a few months back that it is not correct and they made an error and will provide an amended XXXX. They never provided this amended XXXX in spite of my multiple requests as well as customer service submitting a request on my behalf. 

This is very serious actions on their part and have to get resolved immediately. 

My escrow also was never resolved. 

Wells Fargo still owed me thousands of dollars due to a bad modification they refuse to resolve. It is going on for years since XX/XX/XXXX. They were trying to force me into signing an illegal restructure of my mortgage which had a order preventing me from discussing the matter with anyone and preventing me from correcting any errors I may find after signing. I told them this is illegal and they tried to lie their way out of it. 

Because I did not sign the restructure agreement, WF never settled with me and still owes me a lot of money due to their errors with my modification. They refuse to resolve this matter. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I received a copy of my Equifax report and was informed there was a charge for {$32.00} from XXXX XXXX XXXX from XXXX ; however, no additional information was available. 
I have no idea who or what this charge is for. I have never received a {$32.00} past due medical bill, so I can only conjecture it was a fraudulent charge ( either mixed up with a similar name or incorrectly assigned to me. ) However, I also wanted to make sure that it was not a bill that I had never received and had been sent to collections. IF it were my bill I would be willing to pay the actual amount - but I never had received anything. 
Last week XXXX XXXX XXXX ) I called XXXX to request details- stating I had no idea what this charge was for, and asking for a return phone call, and clarification. 
I have NOT received any response, therefore I can only assume it is a fraudulent charge!
My application for an apartment was denied on XX/XX/2018 by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The agent said there was negative rental collection on the report that was provided by Real Page, using this identity and address : LeasingDesk Screening XXXX XXXX XXXX. 
XXXX, Texas XXXX ( XXXX ) XXXX http : //www.realpage.com/consumer-dispute I've contacted Real Page and have not been provided any additional details on the derogatory report or any means for resolving the matter. The net result is that I can not rent an apartment by any property management company in the XXXX area as it seems most of these companies use the same service from Real Page. 

I believe this company is in violation of the FCRA. 

Please contact me at XXXX or XXXX if you have any questions or suggestions for how to resolve this matter. 

XXXX XXXX
I received a copy of my credit report and I notice I have fraudulent hard inquiries. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.
all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
I have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.
The number of times missed which is actually documented on my credit report seems to be inaccurate and or confusing.
Some months ago I began receiving credit cards offers from Capital One. Both my wife and I have permanently opted out of receiving credit card offers so these solicitations stood out. We have no business dealings with Capital One. About two or three months ago I called them to 1. ask them to stop sending the offers, 2. ask them the source of my contact info ( I wanted to know which company sold my contact info without my permission ). Capital One agreed to remove our names from their mailing list but refused to provide the source of our contact information.
A month later my wife got another Capital One credit card offer in the mail and yesterday I got another one. Can they be fined for this? To whom are they accountable for ignoring both the Opt Out and my telephone request?
For the past 3 months I have been forced to call my bank with the credit company on the line so they can ask my bank if the payment has cleared my account. After my bank informs them that the payment did indeed clear the bank account then the creditor gives me access to my credit line. The payment is visible on my bank account online and is also visible as a payment on the creditors website. Both accounts showing I did make my payment with the correct amount and date. 

I pay my credit card in full every month. My credit limit is {$1500.00}. Sometimes my credit limit goes over but I still make my payment in full. This has never happened before until the last 3 months. This month I was allowed to use around {$800.00} of my credit before they decided to freeze the account again. 

This week I called because I still did not have my credit available. This time the representative did not offer to call my bank to make the funds available. I decided to be patient and wait till XXXX XXXX, XXXX for my funds to be available. That is the date the rep told me it would be available. I looked at my credit account today the XXXX of XXXX and my credit limit still says no funds available. I contacted the credit company again today. They told me I had to now wait 7 days from the time they receive my payment before I can have my credit limit available. I said ok, its been 8 days. You received my payment on the XXXX of XXXX XXXX, today is the XXXX of XXXX, why is my credit not available? The representative then told me that they do not start counting till the next day. I then said ok, its been 7 days, then she told me I would have to wait till XXXX tonight for my funds to be available. Frustrated I said fine. 

I ended my conversation with her and waited for the survey. The survey lets me give my input on how they are doing. She continued to try to talk to me and see if I was still on the line, she finally hung up and I completed the survey via the phone. If I receive my funds availability tomorrow the XXXX of XXXX, this credit company has held my payment for a total of 9 days.
Good morning/evening, On the following date of XX/XX/2018 XXXX XXXX   XXXX filed 2 separate hard inquiries on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
I initiated the request for mortgage assistance with Bank of America at the end of XX/XX/XXXX. I was unemployed from XX/XX/XXXX to XX/XX/XXXX and my new salary was reduced by 20 %. I filled out the required information, submitted the requested documents, and was promised a quick turn around. It is now XX/XX/XXXX. BOA has asked for dozens more documents, letters, revised RMAs, etc. It is never enough. This is obviously a run around process to discourage me from seeking a modification and pushing me to a refinance. I am seeking a reasonable offer to modify my mortgage ; it is currently a 15 year, XXXX mortgage, with a principal, interest, tax, and insurance payment of close to {$6000.00} a month!
Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. when I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/Transunion/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
This is a complaint about Ocwen Loan Servicing. I started the process of loan modification XX/XX/XXXX. The process was finalized XX/XX/XXXX. This is 4 months later than when they told me it would be finalized. During the process I made every monthly payment agreed upon. In XXXX I received a statement stating my next payment was due XX/XX/XXXX. I called to verify this date. I was assured everything was set. I made on time payments XXXX, XXXX, and XX/XX/XXXX. Two weeks after my due date in XXXX I received a call saying I was a month behind. This made no sense since I had all the statements saying I was not behind and was paying on time. I requested a work order to figure out what happened. The person who called me could not give me a reason why I had XXXX statements in XXXX that said different things. After they investigated they realized there was an error in funds being transferred etc ( something I do n't really understand ) during the loan modification process and basically I was just a month behind. I explained I could not pay an extra mortgage payment. I 'm on tight budget hence my decision to do a loan modification in the first place. They did not care. Not their problem even though they created it. I am now trying to catch up so I 'm no longer behind and ca n't pay other bills. They are now charging me late fees which makes it harder for me to catch up and my credit score has been damaged. Also almost immediately after just finding out I was supposedly behind I started receiving letters threatening foreclosure.
I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX 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, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report
they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.
I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.