WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/XXXX I purchased a new XXXX XXXX XXXX and financed through XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX. Due to medical issues and multiple XXXX I fail behind on my car loan and the vehicle was repoed in XX/XX/XXXX. I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX has continued to report to all 3 credit bureaus that my loan is currently 120-180 days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both Equifax and XXXX for the pass 6 months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past year and six months to be exact.
Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.
On XX/XX/XXXXI my American Express gift card was fraudulent used through an unauthorized XXXX account ... i called American and XXXX to dispute this matter for 3 Months straight. Finally XXXX  released the funds back to American Express but the issue Im having is that American Express will not released the funds back to my gift card because I don't have proof of Original Purchase .... As I stated to American Express Customer Service is that I was given this card as a gift and when i was given this card I Activated this card via the American Express site .... I have been in contact with them Since XX/XX/XXXX and i can't seem to get any resolution. I faxed over my Driver License and a copy of the card as instructed but they refused to release my money ... I have email proof that XXXX sent the money back to american express and accepting responsibility for this matter ... Please Help!
I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.
Consumer Portfolio Services called my office again ... 
I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. 
I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!
I am the owner of account number XXXX. 

I am disputing the following transactions that were charged fraudulently to my account without my authorization :XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$210.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$190.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$98.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$83.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$54.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$11.00} XXXX XXXX XXXX HI XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX HI XXXX XXXX, XXXX {$37.00} XXXX XXXX XXXX HI XXXX XXXX, XXXX {$13.00} XXXX XXXX XXXX HI I did not make or authorize these transactions that appear on my account. The debit card used was not in my possession and to the best of my knowledge was stolen on approximately XX/XX/XXXX. I immediately reported it as stolen as soon as I learned of the fraud. I do not have knowledge of the identity of the person who illegally used my card and did not receive any benefit from the transactions listed above. 
I give my consent to Navy Federal Credit Union to release any information regarding my card and/or account to any federal, state, or local law enforcement agency so that the information can ( if necessary ) be used in the investigation and/or prosecution of any person responsible for fraud involving my card and/or account. 
Please adjust my account information to reflect that I have disputed these transactions, remove these items from my statement, and send written confirmation that you have done so. Under the Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) my maximum liability is {$50.00}. Further, Navy Federal Credit Unions Zero Liability policy ensures that I am not responsible for false charges to my account.
Navient has lost my payments on several occasions, then taken away the benefits that I should get for paying on time. I 've had to fight them multiple times because this keeps increasing my loan balance. I 'm also on an income based repayment plan. Every year, they miscalculate my income, and they try to force me to pay more than I should. I spent three months this year getting that straightened out and called several times a week. I was literally in tears thinking I had to pay over {$700.00} in loan payments instead of {$78.00} a month all because multiple people did n't know how to calculate a loan payment, kept doubling or tripling my income, and refused to listen when I explained to them what they were doing wrong. On top of this, I live overseas, so they 've made it incredibly difficult for me to resolve issues. I 've had to get up in the middle of the night more times than I can count to call about one issue or another. It placed undue stress on me. This last fiasco happened the month I delivered my baby and went on for two more months. Instead of sleeping a XXXX, I was staying up late and dealing with their mistakes. Right after they fixed this one, they went on to lose two of my payments that were made on time. Furthermore, they have called and harassed my grandparents about my loans even though I 've repeatedly asked them not to. I 've put in several complaints and asked them to remove their telephone numbers and contact info, but they refuse to. My grandparents are in their XXXX 's! The worst part of this was that they were calling to say my payments were late even though I 'd called several times, letting them know the payments had been made earlier than required but they 'd lost it, or, in one case, misallocated it. So, they had their money and still continued to call for months ...
Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. 
US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. 
As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. 
It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. 
I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it.
I received a copy of my credit report and found the following item ( s ) to be errors. I have contacted equifax in writing 2 times once on XXXX/XXXX/2016 & XXXX/XXXX/2016, they do not respond and have ignored my request for information investigation & deletion. They have never responded to me. 
1. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account No Account Name Account Number : XXXX Please remove it from my credit report. 

5. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?
The reply from Equifax WAS NOT the CORRECT RESPONSE from my complaint XXXX. 

1 ) The issue complaint Equifax to remove XXXX from my credit reporting just like Equifax removed other creditors from my bankruptcy Chapter XXXX. 
2 ) I did not had to contact my other creditors to have items removed from my bankruptcy, however, Equifax did removed other creditors that was associated with my bankruptcy. 
3 ) Equifax refusal to correct this problem is a clear action on their part of unfair credit rating with discrimination damaging my credit rating. 
4 ) Equifax refuse to reply with the correct response also clearly is action that they do not want to correct the issue with my credit rating. 

( see attachment : cover up other creditors to prevent Equifax from adding back other creditors on my credit report or committing another unfair action against my credit report ) Thank you XXXX XXXX
Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.
I 'm trying to apply for a mortgage loan but  XXXX  score is missing in my tradeline. I called the company and I was told it would take a month to update.
Wells Fargo did not honor {$250.00} account opening bonus on their  Everyday Checking product. After being assured I qualified, I was given final denial  over 2 months after meeting qualifications. On  XXXX   XXXX  was assured by rep of Wells Fargo issue would be resolved withi n one bu siness day. Today, the  XXXX  of  XXXX , was denied and told I was not part of their targeted group. You 'd think Wells Fargo of all banks would be eager to rebuild trust!
On XX/XX/2018, I deposited a cashier 's check from a local bank into my personal checking account at Bank of America via the ATM. I usually go into the branch, but was in a hurry and used the ATM to deposit my check - big mistake! Without giving me warning or the option to cancel the transaction, the bank placed a 12 day hold on the check! The hold was printed out on the receipt from the ATM. The funds were not available until XX/XX/2018. Again, this was a cashier 's check from a local bank, not a personal or foreign item. 

I went into the branch and called the XXXX number, but no one was able release the hold since it was done by the ATM. They did say if the check was collected sooner, the hold would be released - which is the law. So I waited several days and called again to see if the funds were collected. They were not. After a few more days it still wasn't released so I called the bank that issued the cashiers check to see if it cleared. They said it was still outstanding, Bank of America apparently didn't even attempt to collect the check until XX/XX/XXXX when the hold expired. 

So to anyone reading this, be very careful making deposits at Bank of America. Be very careful in general when dealing with them!!
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
I have disputed these XXXX companies XXXX and XXXX XXXX XXXX are fraudulent accounts that do not belong to me. I have disputed these accounts withEquifax and all I seem to get is the same old spill " ACCOUNT HAVE BEEN VERIFIED ''. These accounts have not been verified nor validated. I contacted both the collection cied so they can VALIDATE these accounts asking them for some signed contracts with my signature on them to validate these accounts and I have not gotten a response and its been more than 30 days.
I am giving Professional Debt Mediation an opportunity to remedy its complicity in assisting  XXXX   XXXX   XXXX  to violate both Federal Law and Florida Statues in an effort to sabotage my credit file on behalf of the local authorities in retaliation for my efforts to address the Federally institutionalized denial of Due Process for groups protected under Federal Fair Housing Laws. As specified in Florida  Statute 83.49 ( 3 ) ( a ) (   www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within th e 30-day period, he or she forfeits the right to impose a claim upon the security deposit and may not seek a setoff against the deposit but may file an actio n for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  o f 2016. H ence, if the creditor had indeed fulfilled its obligations under Fl orida Statutes to sen d notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the  USPS via  text and email.
I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.
We have been paying automatic payments on the loans for XXXX  XXXX College for our son for years and years and our debt never goes down. When we complain they say that yes it has gone down but in the last eight years of paying on time payments it has not gone down more than a couple of hundred dollars total, for all of the loans. They must be stealing from us. We will never get this paid off. We are not allowed to see how our payments are being applied. As in how much of our money is going to interest and how much to the actual loan. We are being robbed and they will never give us specific information. I think we should be able to see how much of our payments are actually going to the Lon and how much is just interest they are profiting off of.
I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.
On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.
I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX XXXX