WillisBack/dataset-financial-user-claim huggingface dataset:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, TransUnion, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.
I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.
IN REGARD TO : EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT CERTIFIED LETTERS DETAILING AND OUTLINING I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AS WELL AS FORGERY IN MY NAME I HAVE SENT IN ALL SUPPORTING DOCUMENTATION AND ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AND I'M HIGHLY UPSET. 
THE WRONG FRAUDULENT NAMES LISTED ON MY CREDIT REPORT ALONG WITH THE WRONG FRAUDULENT ADDRESS LISTED HAS CAUSED ME FINAINACIAL HARDSHIP.
I have tried numerous time to have this information remove from my credit report XXXX XXXX, XXXX, and experian have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX company as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way
I currently owe only {$12000.00} on my mortgage and I have no credit card debt. My credit score is 820+ I tried to get a line of credit secured by by house so I could pay off the existing mortgage and start a new business selling on XXXX . I asked for only {$75000.00} and my house is worth {>= $1,000,000} If I used all of the credit line it would reduce my monthly payments by {$220.00}. I currently have {$50000.00} is stock and savings. PNC holds my mortgage and that is where I applied for the line of credit. It seems unfair that I got turned down when I have enough money in the bank to pay of my current debit four times.
I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.
it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v TRANSUNION, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both XXXX and experian both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
My loan was modified two years ago into interest only loan with interest rate of 2% for a payment of $XXXX. Starting XXXX 2017 the modification ended and they sent me a statement saying my loan interest rate went back up to 6.375% and now my payment is $XXXX. I applied for loan modification and asked if my interest rate can be lowered so it can be affordable. I do understand that I cannot have interest only loan anymore but at least lower the interest rate or honor the 2%.  6.375% is a very high interest rate,  my modification was denied.I have included the rate change letter, my denial letter so you can see what I am saying.
American Express demands payment of {$230.00} for a {$96.00} charge made in XXXX 2016, plus late fees and interest. 

In XXXX 2016, I received a letter of apology from American Express stating that all charges had been cleared from the XXXX accounts in dispute, including the XXXX with the alleged outstanding balance.
I have a fraud alert on my credit report with XXXX, transunion, XXXX  the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
My grand-daughter took out student loans. I agreed to co-sign for XXXX loan. She has not made payments on any of her loans. Navient has screwed up my credit for over 5 years by reporting to the credit bureaus negative non payment information for XXXX loans my grand-daughter took out of which XXXX I did not personally co-sign for. I have disputed this with the credit bureaus to no avail. I also disputed this with Navient. They sent documents to their Attorney for collection which actually prove I did not sign for XXXX of these loans. Navient is fraudulently trying to collect on XXXX loans I never co-signed for. They even typed my name on XXXX of the XXXX in which I never signed or knew about.
I have disputed the late payments on this XXXX XXXX account 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 XXXX XXXX. 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 XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On XX/XX/2018 I mailed out a notarized dispute letters to Equifax and XXXX via XXXX Certified Mail, tracking # XXXX and XXXX  Tracking XXXX. Equifax and XXXX received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from Equifax on XX/XX/XXXX with the subject titled " Equifax Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

XXXX has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe Equifax is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link Equifax sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire Equifax provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
XXXX and XXXX  taking way to long over 30 days to fix a ftc claim XXXX
This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .
I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.
To Whom It May Concern : My name is XXXX XXXX and I am Sierra Pacific Mortgage Company 's customer, currently holding a conventional 30 year mortgage of $ XXXX, Loan Number XXXX. I sent in a bi-weekly payment amount of {$1300.00} towards my loan payment on XX/XX/XXXX, which covered 50 % of the payment amount of $ XXXX. This payment was sent from my XXXX XXXX account. I have evidence that Sierra Pacific received and cashed my check on XX/XX/XXXX. I have sent multiple emails, perhaps 5 or 6, asking that they please apply the {$1300.00} extra to principal and only one of the emails has been acknowledged ; not offering help or resolution, simply " acknowledging '' the email, but with no action taken on part of Sierra Pacific. I initially intended to send in the other half, an additional {$1300.00} within a few days, however, inadvertently, XXXX XXXX sent an additional {$2800.00} which included {$200.00} towards principal. Not intending to pay {$1300.00} plus {$2800.00}. towards my monthly payment of {$2600.00} I asked XXXX XXXX to place a stop payment, which they did, but somehow the payment made it to Sierra Pacific and they credited, then debited the amount. I had been trying, for about two weeks since the first few days in XX/XX/XXXX to make the remaining payment of {$1300.00} via Sierra Pacific 's online payment option, while the payment was still FREE of fees, i.e. no {$5.00} or {$10.00} fees, however, their system only gave me the option of paying another {$2600.00}, not keeping in mind that I had already paid {$1300.00}. I was forced to pay a {$10.00} fee to make an ONLINE PAYMENT, which reason dictates should be free, and this appears to be a PREDATORY and egregious fee, not to mention, the payment is being done before the XX/XX/XXXX of the month, when the payment is still considered timely. I am asking that you please have Sierra Pacific reimburse the {$10.00} that they took from me because I had been, for the past 14 days or more, trying to make a payment toward the balance owed, which was only {$1300.00}. At this point, as noted in the beginning of my email, I have asked that the very big, additional payment of {$1300.00} be applied as extra to principal and to make the payment retroactive to the first day Sierra Pacific received it, which was on XX/XX/XXXX, as they have been holding it in limbo as " unapplied '' and it has not been applied toward my mortgage, allowing additional interest to accrue. I have asked that they please adjust the interest to the date the {$1300.00} was received by them, and please credit the {$10.00} taken for the payment made because their system was not allowing me to pay the balance of {$1300.00} and forced me to eventually make another full payment of $ XXXX I thank you in advance for refunding the {$10.00} payment fee and applying the {$1300.00} extra to principal, retroactive to when Sierra Pacific first received that payment which again was received, AND cashed by them on XX/XX/XXXX. Thank you. XXXX XXXX
An American Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The American Express representative stated this was an American Express fax number. 

After receiving a call from an unknown company that represented themselves as American Express at XXXX. It asked for our credit card number. 

We then directly contacted American Express. An American Express representative, XXXX, told us they received the fax but that they would only take hard copies, in spite of the earlier call. 

Although the American Express representative gave us a mailing address that was identified as an American Express address, it is not. It is the address for a company named XXXX. 

We again called American Express representative who told us that XXXX had no connection to American Express. She also verified that our account was not sent to a third party debt collector. 

This is fraud.
I received 4 calls total from XXXX. They called my cell phone, my home number, and my father 's cell phone on XX/XX/XXXX. I do not know how they got my father 's cell phone number as I have never listed his number with my name anywhere. Ever. but they left similar messages on all of the phone lines saying their name was XXXX XXXX, they were from XXXX XXXX XXXX, a claim was made and documents were in his office with my name, social, and birth date on them. He leaves a call back number which is XXXX. I called the XXXX number, the answering machine said that they were a Legal Services Department ( that 's all it said, no company name, nothing ) and to leave a detailed message and a call back number. I ca n't find any company on the internet with that name or number in my area. I called the XXXX number twice but the call went to an answering machine and told me to visit their website http : //www.clearviewresolutionservices.com/. I could not find any company or information on that phone number either.. So, I did some research on the website and came up with another number which was XXXX XXXX XXXX XXXX, which when I called, a machine told me a whole different company name and/or department, I ca n't remember what it was called. I received another call from the same XXXX number on XX/XX/XXXX, and he basically said because of my negligence, they were going to continue to move forward with the process and urged me or my attorney to contact them on the matter that same day. I figured it was a scam because I had not received anything in the mail about any kind of claim made against me and he did not mention that it was an attempt to collect a debt or anything, he just said a claim was filed against me due to a failed banking transaction and he had all my details. I attempted to call the company a few times today, XX/XX/XXXX, but after repeated calls due to bad phone signal, they kept throwing me on hold without saying anything, one instance where some guy used my full name to answer instead of " How may I help you? '' then the XXXX proceeded to call me 2 more times and left a silent voicemail. I had a similar phone call a few months ago about someone coming to my house to get some claim papers signed, but they called multiple times and left the same recorded message and that let me know it was a scam, so I 'm a bit cautious about XXXX XXXX XXXX trying to scam me out of money.
On XX/XX/2018 I recieved a Chase XXXX rewards card. I never applied for the card and dio not want one. I called Chase and after 11 minutes, I finally spoke to a customer service person. I asked why they sent me the card and she said I must have requested it. I told her I did not. She ask for my Social Security numbere and I told her I didn't want to give her that personal information. She told me that if I didn't give her the information, she would not process my complaint. 

I can't understand how a company can use my personal information to send a credit card I did not ask for. I don't know who is to blame, Chase or XXXX.
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by  refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.
The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
Not able to access my funds with rushcard. 
Need to pay bill by tommorrow and im stuck without my direct deposit
Received a wage garnishment order for a medical bill that i did n't know about from XX/XX/XXXX. They obtained a judgement back in XX/XX/XXXX that i did n't know about either. I was never properly served ( they have an incorrect address ) I called when i received the one and only letter i got from them.explaining i was never informed and that i have a court order for my ex-husband that should have paid the bill.but they would n't listen.Spoke to me in a condescending way.They have been running my credit report every three months without my knowledge or consent to find me. i told them to cease and desist.but they dont
I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.