WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XXXX XXXX, my XXXX XXXX was taken over by Navient & my due date was changed with no notice. I began paying my student loans monthly through Navient ( I have never missed a payment since I started paying approximately the XX/XX/XXXX ). Although making payments in a timely manner, I noticed it continuously said late & they were charging me late fees. I did call & spoke to a customer service representative who confirmed I was making my payments. Around XXXX XXXX I submitted a payment ; however, my account said delinquent. When I called they were extremely rude and explained I had been overpaying on XXXX loan and failed to pay on the XXXX loan. I had originally consolidated my XXXX with my private loan through XXXX XXXX so supposedly they had put my payment towards XXXX and not the other. My credit score had subsequently dropped in 2-3 months from an XXXX to around a XXXX with a delinquency on my credit report. I have been working hard to raise my credit score since and according to my credit report I range anywhere between a XXXX and XXXX now. I had made numerous complaints through Navient and was told by their customer service reps : " too bad. '' Since then, I have consolidated my federal loan through XXXX to receive loan forgiveness as a government worker and also to get XXXX loan out from under Navient ; however, my private loan is still through them.
Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018.

On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report.

Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter.

On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013.

On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature.

On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report.

On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account XXXX XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 

XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX. Removed and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
Equifax XXXX XXXX Item Status : Item latest removal was XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX
I was discriminated against by representatives of Penfed Credit Union, XXXX XXXX and XXXX XXXX who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by XXXX XXXX who prescreened loan applicants by phone and assigned XXXX XXXX, Mortgage Loan Originator. XXXX XXXX violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/XXXX guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income that fully met requirements of the Department of Veterans Affairs regarding VA loan eligibility, documents necessary to establish employment stability ( XXXX and paystubs ), and processing requirements.I only requested a loan pre-approval which is always conditional, and not a loan commitment from PenFed. The action of these PenFed representatives was designed to deny me equal non-discriminatory access to a government loan program, and resulted in harm to me due to a lost purchase opportunity of a home and a lower mortgage rate which was available at the time of this discriminatory acts.
I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.
I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash. 
I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today. 
In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note. 
Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing. 
Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.
Dispute -case number XXXX I have contacted DiTech/XXXX the representative XXXX XXXX, XXXX. She asked me to forward a letter stating I did not receive XXXX Loan Modifications ( According to XXXX XXXX XXXX -XXXX and XXXX XXXX XXXX XXXX XXXX ) . I was told by her to fax a letter indicating that I did not receive the loan modifications. Also, I asked if audio recording can be pulled to listen to the recording on specific dates and times that I called Green Tree and XXXX XXXX XXXX. The recorded lines will indicate the conversation held by a representative and myself regarding any Loan Modification ; especially when my loan was bought by XXXX XXXX XXXX from XXXX. I explained to XXXX ( DiTech ) XXXX did give me a Losn Modification.. I never received an opportunity to make the first trial payment due the fact XXXX XXXX XXXX purchased my loan. 
I have the date, time and name of the representative that refused to honor the loan Modification from XXXX. ( XXXX the way, I did not sign any consent to have my loan purchased from XXXX investor/services to another ) I am requesting the original PROMISSARY NOTE and original documents from all XXXX banks/investors/servicers. 
I have the documents XXXX forwarded to me. DiTech nor Green Tree has not sent any documents. This foreclosure was first initiated by XXXX XXXX XXXX. 
***What link do so use to upload documents? DiTech XXXX XXXX forwarded a document regarding a decision being made as to the letter I wrote stating I did not receive XXXX Loan Modifications by XXXX/XXXX/XXXX. 
My intent is to remain in my home. I just want justice and fairness.
I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.
The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you.
I received several fraudulent e-commerce charges on my Kohl 's card and promptly called the company to report all of them as fraud and have them removed from my account. I spoke to  XXXX  on  X/XX/17   . The charges were as follows : ECOMMERCE PURCHASES #  XXXX  {$18.00} ; #  XXXX  {$5.00} AND {$110.00} AND #  XXXX  {$5.00} AND {$99.00} PLUS ALL OF THE INTEREST ON THESE FRAUDULENT CHARGES.   I then received a generic letter dated  X/XX/17    that my dispute was received and it was being investigated. In the meantime, I was expected to continue paying on these fraudulent charges. I then received a letter dated  X/X/17    that part of the monies were removed, {$26.00} and have been waiting since then for the remaining credits. And, still being billed and paying for these fraudulent charges.   On  X/XX/17    I sent an email to Kohl 's via their website advising that I was still waiting on the additional charges to be removed and would file a complaint if they were not received. I received a generic email back stating I needed to call, again, to get " more information ''. I just spent over 10 minutes out of my work day to try to reach them yet again to tell them the same thing and could not wait on hold any longer.
Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members.
There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
I receive continuous calls for an individual even they can not pronounce the name. XXXX XXXX?? Must be under a number I received from XXXX XXXX years ago. XXXX. Those calls forward to my cell phone XXXX. I have asked and even called back when I am hung up on to stop calling and remove my number. I am told I do not own the bad debt account and cant speak on behalf of account to remove phone number. This will be year 3 soon that I keep getting phone calls.
Some calls I loggedXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A lot of calls happen while I am driving or at my kids school event.
THE LAW FIRM REPRESENTING THE COMPANY JUST FILED A COMPLAINT TO FORECLOSE USING A FORGED PROMISSORY NOTE. THEY KNEW IT WAS A FORGERY BEFORE THEY PURCHASED THE NOTE AND MORTGAGE. THEY PREVIOUSLY DISMISSED THE PRIOR FORECLOSURE BECAUSE THE NOTE WAS A FORGED DOCUMENT AND THEY KNEW IT SO THEY SETTLED. NOW, THEIR LAWFIRM, KNOWING THE NOTE WAS A FORGERY, FILED A COPY OF IT WITH THE COURT AND SAID IT WAS A TRUE AND CORRECT COPY OF THE ORIGINAL, KNOWING IT WAS A FALSE STATEMENT OF FACT, AND THEY SWORE TO THAT UNDER PENALTY OF PERJURY AS THE COMPLAINT WAS A VERIFIED COMPLAINT.
Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.
OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the  collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.
There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in XXXX XXXX.
I HAVE BEEN PAYING AMERITECH SINCE XXXX OF 2017 ... THINKING THAT THEY WERE HELPING ME, I THOUGHT THEY WERE PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE BEGINING. I HAVE BEEN PAYING THEM XXXX DOLLARS A MONTH UNTIL I RECEIVED A LETTER FROM FTC ... I HAVE NOT RECEIVED ANY HELP OR SERVICES TOWARDS MY FEDERAL LOAN ... I FEEL SO XXXX  I REALLY THOUGHT THEY WERE HELPING ME PAY MY LOAN ... I DONT KNOW WHAT TO DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING.
there are XXXX accounts that are being reported incorrectly and have been under investigation for over 90 days XXXX bank account # XXXX says under investigation for over 90 days federal bankruptcy account number XXXX says under investigation for over 90 days
Equifax has done zero investigations on my credit file ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Escalation Department XXXX XXXX XXXX XXXX GA XXXX XXXX/XXXX/XXXX RE :  Confirmation # XXXX To Equifax Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see enclosed XXXX report ) XXXX XXXX XXXX ( see enclosed XXXX  report ) XXXX XXXX PUBLIC FILINGS XXXX ( this item has no information pertaining to me ) COLLECTIONS NO COLLECTOR NAME XXXX {$400.00} ( see enclosed XXXX  report ) How is Equifax able to verify these items when other agencies can not?
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please send a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : FTC ( Electronic complaint )
XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law. 
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX
I have consistently had credit issues due to my credit information being incorrect. I 've disputed items on several occasions only to have them reoccur again and I am extremely upset and fed up with this problem. I have a XXXX sister who 's name is similar to mine and social security number that is similar as well. Under my reports is all of my information and hers as well. This includes her married last name and maiden name, all of her previous addresses, her car loan information, credit cards, school loans, and phone bills all under my acct. I 've explicitly stated our social security numbers need to be separated indefinitely it is ruining the way I am trying to live my life. I 've been refused phone contracts for this and credit cards. More recently XX/XX/XXXX, unrelated to mixing up my sisters and my personal information, I was refused gas/light service in my name for my first apartment due to my name being used for a gas and light bill while I was away at college in XX/XX/XXXX. The company, XXXX, now wants me to do my own investigative work before I can successfully put these much needed utilities in my own name, which could take months. My move in date by the way is in less than 2 weeks. It 's completely absurd and if I could sue the credit bureaus I would for time and continuous pain and suffering.
I do a lot of shopping online with my XXXX XXXX account and use my XXXX XXXX credit card. This Chase XXXX XXXX account allows me to give 5 % of my purchases to the charity of my choice, the XXXX XXXX XXXX XXXX XXXX XXXX. I also get 5 % of my purchases back on my XXXX XXXX RewardsVisa Signature Card for any future purchases from XXXX ( only ). 

I received an email approximately one week before my birthday with the following offer " LIMITED TIME OFFER : We'll reward you with XXXX bonus points when you go paperless ''. 

Since I was already checking my balance online, I decided to accept the offer. I followed all of the instructions and within a few minutes received a confirmation. " Thanks for choosing to go paperless. We'll no longer mail the following documents ; they will be posted online for you. 

CREDIT CARD ... XXXX STATEMENTS NOTICES & LETTERS '' At the bottom of the promotional email it says in small print " You will qualify for and receive your XXXX bonus points if you have changed your statement delivery preferences for the account listed in this offer to paperless by XX/XX/18 XXXX XXXX ET and your account is enrolled in paperless statements, open, and not in default at the time the bonus posts to your account. Please allow up to 10 weeks after the last day of the promotional period for the bonus to post to your account. Only one bonus per eligible account. Credit card product changes during the promotional period will forfeit this bonus offer. '' It has now been over 12 weeks since the last day of the promotional period, and the XXXX bonus points have not been applied to my XXXX account. 

I have contacted XXXX, and following their instructions, emailed my complaint to Chase. I have not received a response from the credit card company. 

I am going to try to include the two redacted promotional and response emails from Chase.
In XXXX 2015 I discovered errors on my Equifax credit report that listed inquiries dated XXXX/XXXX/2015 that were not mine. I contacted the retailers in question and filed the first of XXXX disputes with Equifax. XXXX of the fraudulent inquiries is labeled as XXXX. After multiple written inquiries to XXXX Bank, as well as multiple telephone conversations and promises by XXXX Account XXXX Department, the fraudulent inquiry still remains on my Equiifax credit file. 
Also reference Equifax dispute confirmations # XXXX dated XXXX/XXXX/2015 and # XXXX dated XXXX/XXXX/2015