WillisBack/dataset-financial-user-claim huggingface dataset:
I went through a Chapter XXXX bankruptcy in XXXX. In XXXX the bankruptcy was reopened in regards to my student loans. A settlement was reached with Sallie Mae in which I would pay {$260.00} a month at 3 % interest for 30 years. I started sending the money. Sallie Mae would cash the checks and then refund the money to me. I would send more, they would send it back. My lawyer contacted their lawyer and was told the problem was fixed. I would send them money, they would send it back ( I have bank statements to back this up ).  After over a year I stopped sending money to force them to contact me so we could settle the issue. They never did. Ten years later in XX/XX/XXXX I received a letter from Navient that my forbearance was approved and that payments would start in XX/XX/XXXX, however I now owe {$130000.00}, {$880.00} a month for 30 years. I sent a letter with a copy of the court order stating what I owed and the terms and they replied that they had no idea about the court order, that I had not made any payments since XXXX, and that I still owe {$130000.00}. 
I never asked for a forbearance, especially one that lasted ten years. I was never notified of the change in address to forward payments when Sallie Mae switched to Navient. They have not been able to explain why the loans were in " hibernation '' for ten years. Sallie Mae never accepted any of my money after the court order. How can they sit on a loan for ten years, double the amount, after the affair was settled in Federal Court?
As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.
This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.
XXXX has not communicated with the collection agency that the XXXX box has been returned!
My name is XXXX XXXX XXXX. I recently closed on a house XXXX XXXX/XXXX/XXXX XXXX, but I feel as if the lender took advantage of the fact that we were living in a hotel, and desperately needed to close on that date. I was originally going to use XXXX. However, PHH Mortgage seemed to have given me a better deal. However, the closing cost increased by $ XXXX on the day of closing. They took the money that I would have been reimbursed by my relocation package and applied it to that difference. I had to pay more money at closing, I had no choice but to close at that time, because we were literally homeless. I have additional information if needed. 
I would like for PHH Mortgage to reimburse the XXXX that I lost because of an " error '' on their part.
PennyMac took my XXXX mortgage payment from my bank account on XXXX/XXXX/16. On XXXX/XXXX/16 they sent me a letter telling me that I had n't made my loan payment. Today, XXXX/XXXX/16 I logged into the bank account to verify the payment was taken and it was. Then I logged into my account on PennyMac and it still shows that I have n't made my payment. This happens with PennyMac every year and this is not my first complaint about their payment processing methods. They are threatening my credit and forcing me to spend time on this when I 've already made my payment. This is wrong and illegal to bill me for something I 've already paid. I 'm tired of all the stress involved in having to keep my good credit in order when PennyMac can not stay on top of the payments they take from their customer 's bank accounts.
I received communication from a company called Asset Acceptance ( AA ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned AA inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent AA a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have XXXX again sent AA another letter, this time certified return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however AA still has not validated this account, and refuses to remove this account from my credit report.
On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.
I submitted a Identity Theft affidavit to the company. The address on my XXXX report and the address the company shows i have never lived at. I never opened the line of credit. They will not remove the mark on my credit report. I mailed the affidavit via certified mail to the company. I have changed my name because of Identity theft.
I have continually called and disputed this item with the credit bureau. 
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.
XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?
I have sent many of the same and to date, not a thing has been done. I am now wondering why these governmental agencies are put in place if they do not help the people. Let me try again. Perhaps I will reach someone with integrity who is astute enough to make the necessary corrections. Experian credit bureau is totally 100 % out of compliance. The statue of the credit bureaus negligence should be enforced. I have in my possession a copy of the disputes and the items that were deleted. Experian for some reason wants to put these items back on my report. My intelligence and the statues of the FCRA and FTC states that can not be done. Once an item is removed, it stays removed. Can someone please answer me and tell me why these items have allegedly come back out of an investigation and they now remain. For your viewing pleasure, I have attached a copy of the documents sent to Experian. Being the the CFPB does n't do much, I am not confident I will receive resolution by filing a complaint here. Every complaint in the past with which I know other people in the general public have complained about to have gone unanswered or ignored. The accounts in dispute are the same ones that have been in dispute since XXXX. Also, Experian changed the date of my fraud alert and freeze alert from XXXX to XXXX! I believe I made a complaint in regards to the same and yet again, nothing has been accomplished. I is the worst thing to deal with a government agency that could care less about the citizens of America. Evidently, with the latest events being the election, it can only get worse. My complaint is with Experian credit bureau, items that were previously deleted are now showing again. They have been provided documentation that they are lying and saying they never received. I mailed them and also e-mailed them. I am not confident that this will remedy the situation. I have filed complaints about XXXX XXXX XXXX which were 100 % ligament complaints referencing all the money stolen from my personal bank account. A package was mailed as proof the the CFPB ... ..Nothing got resolved. The OCC decided they would n't take my evidence into consideration whatsoever. It 's all about the corruption in the government entities. In every aspect. XXXX stole thousands on top of thousands as well ... .Again, nothing done. I know for a fact several people have filed complains against all XXXX of these companies and of course nothing enforced. I often wonder why statues are made. They in no way take precedent over anything! Experian needs to fix my report immediately and provide a new report. I also request my freeze lift code and they never mailed it to me. America ... land of the free and home of the brave ... ... not in my world
On my credit report, there are XXXX accounts listed showing I am an authorized user which should no longer / not be on there. XXXX, XXXX and XXXX each have account with my name listed as an authorized user. They each have a balance of {$0.00} and I have no idea who to contact regarding ownership of the accounts to have my name reviewed. According to the credit reporting agencies, I am to file this complaint to have them corrected. Therefor, this is the sole purpose of filing this information with you.
Already submitted everything! I will keep submitting complaints until this is resolved!!!! I did NOT GO TO THIS ER AND GET THESE SERVICES DONE!!! THE ATTACHMENT I PROVIDED WAS TO SHOW I'VE BEEN DEALING WITH IDENTITY THEFT I WAS NOT " CONFUSED ''. THE ONLY THING CONFUSING IS THAT ITEMIZED BILL THAT SHOWS ABSOLUTELY *NOTHING* TO SHOW THIS WAS ME!!!! BC IT WASNT!!!!!!
Southern Managemen t  XXXX   XXXX   XXXX   XXXX  FL  XXXX  (  XXXX  ) On  XXXX   XXXX     2016  They are reporting that I owed an apartment complex  (    XXXX     XXXX  )  XXXX  rent when I lived there. I have send them proof that I paid the complex rent and cleaned the apartment complex when I left but they are still reporting this to the credit bureau. I have contacted the apartment complex but they have been sold to a third party and have no record of me ever living there. This collection have affected me greatly because it stop me from getting other apartment in my name and affecting my credit.
This XXXX 's account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and Experian CRA continue to incorrectly report as Open.
I applied for a modification from Wells Fargo back in XXXX, I hired a lawyer, worked at getting them all the paperwork hundreds of times. Finally, got the modification in XXXX XXXX, I sent the XXXX payment, however I was short on the payment since the paperwork was not very clear on the amount due, I sent {$1100.00}. I realized later that the amount should have {$1300.00}, so I sent the difference in XXXX XXXX for {$250.00}. The XXXX payment they dispersed incorrectly as well as this {$250.00}, they applied to the principal instead of the normal payment, without notifying me of this. So they say I am behind in this payment. Also, in XXXX XXXX, I made a mortgage payment on the phone with them, same information, same account I always use, they processed it incorrectly so it shows that it bounced, even though I have proven to them that I had the money in my account to cover the payment, they did n't notify me until XXXX XXXX. There is also a payment in XXXX that they misapplied for {$1100.00} to principal instead of the regular payment. I have provided them over and over again with all the documents to prove my case, yet they refuse to work with me. I realized that the XXXX payment I will owe, but I need to make payment arrangements for that XXXX. They call me several times a day and never resolve anything. Please help.This has ruined my credit, which is not fair. I pay my mortgage every month. I 'm so exhausted from this constantly not being fixed.
Prior to XXXX XXXX turning over its Costco credit business to Citibank, XXXX XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than four months and countless hours of effort by us and unfulfilled promises from XXXX XXXX and Citibank.
I have tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/16
On XXXX/XXXX/XXXX I got a letter in the mail from Citibank stating that my account ending in XXXX has insufficient funds and was overdrawn. 
I checked all my accounts with Citibank and did n't find any account ending in XXXX. I called the customer service at XXXX XXXX/XXXX/XXXX to find out what happened and I was told I had an account which was opened on XXXX/XXXX/XXXX and it was overdrawn by XXXX for monthly fee and overdraft fees. I told them I never opened an account on that date and I requested to get a copy of my signature card and the branch the account was opened. 
They agent refused to tell me this information and was extremely rude on the phone, she said her name was XXXX and she was the supervisor. I asked her to open a case, escalate this issue and give me a case number but she vehemently refused to do that and asked me to go to the nearest branch. 
This is absurd that Citibank would open an account without the client 's knowledge, access fees on the account which overdrew the account! If I had not gotten this letter, I would not have known I 'd an account that was overdrawn. They would have continued charging a monthly fee on the account which would overdraw it by a lot of $ and then send it to collections and ruin my credit I worked so hard to build. I am livid to state the least.
A transaction for {$2300.00} was deducted by XXXX XXXX XXXX on XX/XX/18 for services that were not delivered. The company, XXXX XXXX, refunded {$650.00} of those charges and still owe the remaining balance deposit. After failed request ( s ) to reimburse the remain balance of {$1600.00} a complaint was filed with Huntington Bank to dispute the charges and obtain a refund as afforded by XXXX XXXX  consumer right to obtain a refund for " services not delivered ''. However Huntington denied the claimed based on " buyers remorse '' which was not the nature of the original complaint. Upon speaking with a representative at Huntington Bank, they resubmitted the dispute based on the actual stated reason " services not delivered '' and within 24 hours again denied the claim based on " buyers remorse. '' Huntington Bank is ignoring the reason for the complaint continually and inaccurately reporting the disputed reason as " buyers remorse. ''
On XXXX XXXX, I attempted to get my free credit reports using XXXX. I filled out the form, and sent it to XXXX, and received a complete and accurate credit report on line. When I tried this for Equifax, I was told that I had to request the credit report by mail, and that I had to supply documentation in the form of a copy of my Social Security card and my driver 's license. I have requested credit reports in the past, and I have never been asked for more information than has been on the request form. 

I will be sending the credit request form but not the other documentation.
1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX.
2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX.
3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX.
4. This complaint is about Discover Bank.
5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.
I was granted by a Providian Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX that hamper my movement at work and got layed-off. I informed the Providian Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to XXXX. It was Handled by Atty.XXXX with postal address at XXXX, XXXX XXXX. I was n't able to attend the hearing due to the XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX that has XXXX and the XXXX. And no hearing aid was advisable for me anymore. Except surgery w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the Providian Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of XXXX in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX. Now, I am XXXX with XXXX. But, Atty. XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The XXXX never gave me any last statement from the Providian Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the XXXX no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the Providian bank. Atty. XXXX never inform me that the XXXX was already dissolved and he is still representing the XXXX to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for 18th months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the Providian bank will proved that they have been taking monthly payment for Protection plan from me. the reason the XXXX Supreme Court had slap a XXXX fine at the Providian Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.
American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX
My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.
XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, Transunion, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.