WillisBack/dataset-financial-user-claim huggingface dataset:
Based on the option I selected, the 'error ' is that JPM Chase and the bureaus continue to report two unverified, invalidated accounts without providing original documented proof. I have repeatedly disputed these two student loan accounts with JMP Chase and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. Seriously??? If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from Chase or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that Chase provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the two disputed accounts. If they do not have this, then I in turn demand that they DELETE these two truly unverified, invalidated, inaccurate accounts.
My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly.
I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.
I applied for the US Bank Cash + Rewards Visa credit card in XX/XX/2017 through a promotional link on US Bank 's website -- the information for the promotion was to receive {$150.00} bonus after spending over {$500.00} with the card in the first 90 days. I was approved for the card, it was mailed to me, and I used it well beyond the required spending amount to receive the promotion. I waited the appropriate amount of time before requesting information about the promotional bonus, and when I did request why my bonus was not applied to my account, I was given different information by different people, and finally when speaking with someone in a supervisory position over the phone I was informed that I would need to ''submit proof '' of the promotion I had applied for to a postal address or via email. I did inform them that there was no physical paper trail as this was an online application, and the only information I could provide was the link that I clicked through on the promotional offer page on their website ( please see attached screenshot ). US bank agreed that I had indeed followed all correct steps for the terms of that promotion, but continued to insist that I provide proof to them that I had applied for the promotion in the first place. I have spoken with them a number of times over the phone, emailed them, and am still getting this insistence that I should have ''paper records '' of an application that was made 100 % online, and they are even responding to my requests via postal mail with this same story. I have requested that someone escalate this and look into my actual account, and they have stated they will ''work on it and contact me '' and I have had no response other than the same request for ''paper records '' to be faxed or mailed to them. I would not have applied for this card outside of the promotional offer, and US Bank have absolutely taken advantage of me with false advertising for a bonus they refuse to grant -- they will not work with me on this and will not provide any further information to me about why. This company is operating under false advertising and are scamming customers into applying for products they do not want or need!
XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # XXXX.
XXXX XXXX is attempting to collect a debt for XXXX XXXX. I do not owe this debt. I have communicated this to anyone who contacted me. Also it is from XXXX which is past FCRA and CA statute of limitations Civil Code 337. There absolutely can not be liability to any person on this claimed debt. They are re-aging it on my credit report claiming that it opened in XXXX and reporting it in XXXX.
My company, Seterus Inc., was supposed to help me with a loan modification in lieu of losing my home. Instead, they put a XXXX balloon payment on the back of my mortgage, making it impossible to payoff.
XXXX XXXX XXXX XXXX is trying to collect on a medical account when I've never been in any business with said company. in addition they are violating the hippa laws about furnishing medical information without consent
This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps.
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.
I received a prepaid Visa  card from XXXX XXXX XXXX as part of a rebate offer for the purchase of contact lenses. The card amount was {$130.00}. The lenses were purchased in XX/XX/2018, and I believe I received the card within a few weeks of submitting my request through their website. The card came with an expiration date of XX/XX/18. I failed to activate the card before the expiration date. Two weeks ago, I started trying to contact XXXX XXXX XXXX to get them to reissue the card. Per the fee schedule listed on the letter that the card came with, my hope was that they would issue a new card with a total amount of {$110.00} ( original value of card, minus the {$6.00} plastic replacement fee and $ XXXX/month card account maintenance fee ). However, when I called the customer service number on the back of the card ( XXXX ), and finally was able to speak with someone ( it took me two times of navigating through their answering system ), they informed me that I needed to call XXXX because they were not responsible for that card. When I called that number, I was told they also did not deal with these card issues and that I needed to call the number on the back of the card ( ie the first number I called ). I next called the customer service number for the issuing bank XXXX ( XXXX ). It took me two separate calls to reach a person who could speak with me. That individual informed me that I needed to call Black Hawk at XXXX. When I called this line, the automated answering service provided no options for addressing my issue. I entered my card number when prompted, and the service stated that there was no information for my card. In reviewing XXXX XXXX XXXX and Black Hawk online, I found multiple complaints from other individuals about having difficultly retrieving their rebate funds, activating their cards and/or using their funds.
I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
Equifax repeat the same inquiry in the same date, XXXX XXXX on XX/XX/2018.
MIDWEST RECOVERY SYSTEMS, Reported to all three credit bureaus a debt of $ XXXX.I have never been in contact with this company nor have they contacted me.
The credit card is a XXXX from XXXX XXXX. It has {$13000.00} limit. It is not my card. It is my husbands card. XXXX asked my husband if he would like to give his wife a card. I didn't want the card. Never activated the card. The card was for my husband to transfer higher balances from other cards. XXXX took the card off my account but the credit reporter would not. I think XXXX XXXX  took it off but XXXX would not. That is were the problem is. I have excellent credit and would like the score to be higher but it won't because of this card that is not mine. The two credit Companies have different scores. They should be the same and higher. Can you tell me why my credit score is not at the very top of the chart? It is almost there. Thank you.
I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous.
XXXX XXXX XXXX & XXXX XXXX account XXXX. Address is XXXX XXXX XXXX XXXX XXXX  TXXXXXand the social security or XXXX ) XXXX
on XXXX XXXX, 2017 I disputed two tax liens being reported by Equifax on my credit file, dispute # XXXX. The dispute information came back as verified according to Equifax according to the representative at their company. Something which they have also failed to inform me personally about. Equifax continues to report incorrect and non-validated tax lien information on my credit report. Equifax is reporting two tax liens on my credit report I have personally contacted both the IRS and the XXXX County recorders office and they have stated and assured me that Equifax has never requested nor received any tax lien information directly from these entities. Equifax continues to state that they have verified the information but they have not verified and even more so not validated any information with the source of the information. Allowing unvalidated information and/or using a third party to validate any information is not allowed under federal guidelines. Further under the new guidelines established by the CFPB itself, there is missing information and incorrect information that prevents them from continuing to have this tax lien information noted on my credit file.
I'm filing this complaint because this collection company and XXXX are being really unreasonable. I'm a veteran who is XXXX and have medical issues. I went through major health issues and I had a slip up with this account. I've paid it and made good on the debt as soon as I was able too. I was in a serious medical emergency and that was the only reason why this went into collections. I am a veteran and I fought for this country. I am trying to refinance my mortgage to a much better rate which would put me into a much better situation. I'm XXXX and on a fixed income. Every penny counts. I can't come to terms with the fact that someone in my position is being treated this way. I hope someone can find it in them to put in a request to remove this from my credit report.
I filed a complaint with AHFC due to late notices posted to my account that were no valid. I sent them a formal dispute on XXXX XXXX, 2016 which they received on XXXX XXXX 2016. On XXXX XXXX, 2016, since I had not heard from them, I sent them a second letter telling them that they did not mark my file as disputed or responded to my previously letter that they now need to remove the late notices on my account. They received the letter on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received THREE letters from AHFC. 1. telling me again that my payment was late and I needed to pay immediately to get my account up to date, 2. A letter telling me my request to remove derogatory marks from the credit bureaus was denied and 3. Telling me my car loan was paid in full and attached to that letter was the TITLE for my car. So, please tell me this company reports information accurately and timely. If you would like all of this documented evidence, I am happy to send it to you, but it 's all pretty thick. I appreciate your help in ending this as it 's not fair and AHFC had not followed the law in marking my file 1. in dispute and 2. responding in a timely manner. This type of reporting is for a reason, and when at fault, I am happy to take my due punishment. However, this reporting is not accurate and AHFC has done nothing according to the law to correct this error or follow the law in investigating, marking the file as in dispute and NOT continuing to write derogatory marks on my file as payback for fighting them on this. Please help!
This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.
I recently had fraud on my account at USAA. Immediately upon speaking to the representative XXXX XXXX, she advised, my son was a victim of a scam. He deposited 2 checks and made a {$500.00} withdrawal. She said she had spoken with him and told him to just give the money back. Not once were we asked if he did it. Her mind was already made up before she spoke with either of us that he had done it. He had basically been tried and convicted before she spoke to him and not wanting to really hear what I had to say. Needless to say our claim was denied and I have to pay back {$500.00} plus fees for something we did not do nor did we get a fair chance. I keep finding out little pieces of what happened each time i call and speak to someone else. I have been with the bank over 15 years and this is how I am treated. Unfair and unjust. All I am asking is for someone to remove the tunnel vision and look at the history and patterns of my accounts. Everything we do is remote, online. I cant remember the last time I have actually went to the physical location let alone made a check deposit at an atm. Granted I do make cash deposits at the ATM, rarely but I do. However, I pretty much use the same ATM, which is the one located in XXXX XXXX. Again, this was not done by my son nor myself. Please look into this further. There should be video since it was done at an actual branch ATM. I will gladly view it and see if I can identify who made the deposit. All Im asking for is help getting my account credited back.
My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.
My XXXX credit report shows the following under the SYNCHRONY BANK/JCPENNEY : " Account in dispute under Fair Credit Billing Act. '' I am not in dispute with JC PENNEY. Please explain what this means.