WillisBack/dataset-financial-user-claim huggingface dataset:
I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.
Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.
There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX
On XXXX XXXX, 2017, I learned that someone had used my Chase Debit Card for fraudulent activity in XXXX in the amount of {$800.00}. Also, there was a charge pending in the amount of {$4900.00} in XXXX. And someone had fraudulently transferred funds, over the phone with Chase, from my savings to my checking account. This was all done on the same day, XXXX XXXX, 2017. 

That day, XXXX XXXX, 2017, I immediately called Chases Fraud Department and alerted them to this fraudulent activity. I was told Chase had automatically declined the {$800.00} transaction. But somehow the {$4900.00} was deemed valid by Chase. 

Neither the purchases nor the transfer were made by me. I was not in any of the So. XXXX locations. I was able provide Chase proof of my presence in my state. Not to mention my Chase Card w/Chip never left my person. 

I spoke to Chases Fraud Department several times trying to work this out. I asked repeatedly why they were going to pay the {$4900.00} yet declined the {$800.00}. I received conflicting information from Chase staff, and the chronological order appeared to be wrong.

One Chase Rep told me this was Chip Transaction, and he felt there was some misinformation in his file. 

Chase refuses to provide any proof or documentation to validate their taking my {$4900.00}, They would not give me a reason or documentation, why they felt one transaction to be fraudulent and not the other. 

I did what was required of me. I notified Chase the same day I saw this fraudulent activity, the same day it was occurring. Yet they chose to pay this fraudulent charge, which was pending, from my checking account.
I am challenging the following items with Equifax since they are stalling the investigation and are being ridiculous ... 

1. XXXX XXXX / XXXX - How is the dispute not specific? THIS IS NOT MINE! REMOVE IMMEDIATELY! 

2. XXXX XXXX / XXXX ( Same as above???? ) REMOVE IMMEDIATELY as it's a duplicate item that does not belong to me 3. XXXX / XXXX - This is NOT MY ACCOUNt. NO PROOF no documentation and no statement? PLEASE REMOVE IMMEDIATELY 4. XXXX  / XXXX - Same as above - duplicate INACCURATE Account that DOES NOT BELONG TO ME! Have it removed immediately! 

5. XXXX XXXX / # XXXX - NEVER GOT ANYTHING IN REGARDS TO THIS. DOES NOT BELONG TO ME and it was NEVER VERIFIED via legal and proper signed documentation! Remove immediately!
I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.
They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.
To whom it may concerns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   /  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (  XXXX    XXXX    NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
I am writing to you today about a prepaid card service that closed my prepaid account, took my money and has held it for nearly 2 months. I have called them regularly but every time I ask about this issue I am given the run around. Below is my account of the situation and I hope you will help me resolve this matter. 

On XXXX I used my Serve Prepaid cards to purchase airline tickets for myself and my family for an XXXX trip. The trip was planned for XX/XX/XXXX but we later decided that XXXX would be a better destination and so we cancelled out tickets as they were refundable. Of all the tickets, my refund in the amount of {$2500.00} did not process properly ( this was Airline 's error ) and had to be reprocessed in XX/XX/XXXX. This time the refund was properly back to my Serve prepaid card but for some reason the Serve Prepaid system flagged the refund as suspicious and/or against their terms and conditions. Within a matter of 48 hours my wife 's and my Serve prepaid accounts along with the several authorized user cards were closed. I also received an email stating that the refund for the airline ticket was denied and sent back to to the Airline. 

When I called Serve, I explained that the originalrefund was in fact legitimate and originated from a transaction several months prior. I also explained that I had no issues with the refunds from other family member 's and this should not have happened to my account. The representative looked through my past statements dating back to XX/XX/XXXX and found the original transaction pretty easily. She then referred the issue to another department for inquiry and resolution. I would be hearing back from them soon. As of today our accounts remained closed and the balances which were in them ( over {$3000.00} ) has not been refunded. When I call to inquire about our funds or try to get access to account information, past statements and the like I am stonewalled and told none of this information is available. I have no online access to our transactions whatsoever. 

In addition to the $ XXXX that Serve has confiscated, the Finance department of the airline has no record that the XXXX refund was returned to them at all. They say they would easily see this if it was the case.
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
Representatives with U.S. Bank provided incorrect information on four separate occasions in the last ten ( 10 ) days. Billing errors include : ( 1 ) Failure to credit my account properly, ( 2 ) Failure to mail my statement to my current address resulting in no billing statements for three months, ( 3 ) Failure to provide additional information regarding my current balance, and ( 4 ) Failure to validate the debt reflected in the past due balance. I believe a portion of the " disputed amount '' and finance charges are part of my current balance and listed as " past due ''. U.S. Bank failed to correct the statements for the months affected by fraudulent transactions after credits were issued resulting in incorrect amounts due. The law states I do not have to pay the amount in question or any portion of the minimum amount due while the claim is under investigation. I believe U.S. Bank is in violation of my rights by restricting my account after receiving a formal dispute letter advising of my recent identity theft and refusing to send my replacement cards until I brought the alleged past due account current. Please see Attachment I listing detailed back up data for violations indicated above. 
Every time I call I have to repeat my story. I continually get transferred to Collections, Fraud Department and Customer Service and never get any type of resolution on my account. How do we get this resolved before I have to contact a lawyer?
Our address was used by XXXX unknown people to open a BoA debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified BoA by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how BoA eliminated any verification before allowing the fraudulent use of our address. We have had no response from BoA, despite several further calls to its " representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or BoA despite this urgent and aging fraudulent identity issue.
I have a debt with XXXX XXXX XXXX XXXX that is current. I have been paying since an ER visit in XX/XX/2017. I have made two payments a month and the hospital has accepted the payments and credited my account.

I have never heard of XXXX : Contact XXXX   Telephone : ( XXXX ) XXXX Without any communication they reported me to the credit bureaus for a debt in collection.

I have proof that I've paid this debt.
I noticed a hard inquiry from XXXX on XX/XX/XXXX on my equifax credit report. The XXXX website said I could check my rate and it would not affect my credit ( ie : soft pull ). However, it was a hard pull which was not authorized. I disputed this with equifax on XX/XX/XXXX and they have still not completed their investigation nearly 60 days later. The equifax website shows my dispute as pending.
I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with ExperianXXXX. XXXX deleted the account per proper reporting information. Experian changed the account and update it to fall off XXXX XXXX which is very incorrect information. I am uploading a copy of that report from Experian as well.
XXXX XXXX XXXX has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.
I decided to take advantage of a balance transfer promotion XXXX  XXXX  was offering for their XXXX Master  Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX  Master Card ). XX/XX/2018 is the day it posted to XXXX. 

I called one week after the transfer to see when XXXX would receive the payment. A XXXX   representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account. 

30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018. 

On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it. 

A second dispute was filed with XXXX  on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having. 

I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved. 

I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues. 

I received a message from XXXX  on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report.
My complaint is against the Chase bank who handles my XXXX credit card account. 
I called Chase to request for XXXX XXXX XXXX reference numbers of XXXX chargeback reversals totaling {$490.00} to a merchant 's bank and they are unable to provide them to me. They said there are no XXXX numbers provided. My merchant 's bank informed me that the XXXX numbers and dates are the standard protocols for XXXX transactions. Without these numbers and dates, the bank will not release the funds either to me or my merchant. I also wrote a letter to the Chase dispute department and my issue was not addressed, but stated that my funds were returned to the merchant 's bank. I called the Chase customer service specialist, XXXX XXXX XXXX, who was not available, but had his message answering recording, which I left several messages for him to call me, but he never did call me. Any assistance you can provide to resolve this case is most appreciated. Thank you.
Ocwen Loan Servicing , LLC, by assignment of servicing rights from XXXX XXXX XXXX , XXXX, caused homeowners mortgage loan to be foreclosed on by XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX Loan Trust XXXX. XXXX instructed the homeowners to stop paying their monthly mortgage payments and to apply for a loan modification, which XXXX failed to properly process. XXXX then declined the loan modification, but failed to explain why. XXXX then offered the homeowners to sell their home for a compromised payoff amount ( short sale ). Eventhough the homeowners had a cash buyer, XXXX failed to finalize the documents and thereby blocked the sale of the homeowner 's home. XXXX actions directly led to the related home being foreclosed on.
On XX/XX/18 I went to Bank of America in XXXX, NJ to make a {$1000.00} cash deposit into my mother 's account. I handed the teller the deposit slip with account number. She refused to accept the deposit because I was not on the account. I would have had no problem providing my identification, social security number etc. However, they refused the deposit. My mother was on the phone with me while I was attempting to make the deposit. She gave them authorization to allow me to make the deposit but they still refused.
I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.
On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!