WillisBack/dataset-financial-user-claim huggingface dataset:
I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.
Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.
On XX/XX/2017 I sent out a certified letter to Experian which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. Experian sent me a reply by email on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.
There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.
Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.
Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.
My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.
When I graduated from XXXX  school in XX/XX/XXXX, I had accrued {$93000.00} in student loan debt ( combined federal and private, both serviced by Navient until XX/XX/XXXX, which is when my federal loans went to XXXX XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I was a XXXX XXXX XXXX serving abroad. As XXXX  don't make money, I contacted Navient for help. They told me XXXX  aren't eligible for any kind of loan deferment, but I could go on an IBR plan that would be {$0.00} given my income of {$0.00}. I tried to do just that. I uploaded the proof of service to Navient 's website over and over again. I called them over and over again and they tell me the same thing : upload this public service form and everything will get sorted out. Finally, I figured out that I was egregiously behind on payments because of how long this was taking. I call them again and they tell me ( FINALLY ) that they actually need a pay stub to prove my current XXXX  service. I explain that XXXX  do not get pay stubs because we do not get paid. Period. They then told me my only option was forbearance. I went into forbearance for over two years. To give you an idea of the catastrophic damage this has done to my life, let me show you these numbers : I borrowed about {$93000.00}, I have since paid back over {$32000.00}, and now I currently owe over {$100000.00}. Navient put me in this hole on purpose. 

When I returned and got a job with the XXXX XXXX in XX/XX/XXXX, I had my federal loans go to XXXX XXXX, but my problems with Navient continue. My private loans are still serviced by them and they have been playing dirty business tactics. I submitted two payments to Navient in XX/XX/XXXX ( despite being a XXXX  XXXX XXXX   at the time ). I got confirmation emails that both payments were received. My online account on Navient 's website says both payments were received. It still says that right now. But today I got a call from Navient saying those payments didn't work and now I had late fees associated with it. This is dirty, dirty, dirty. I sent screenshots to Navient showing that my account with them says the payments went through, but they maintain that I should have figured out that their website is garbage.
I have had homeowners insurance on our loan since we bought our house approx. 13 years ago. we changed insurance companies to state farm insurance. we changed XX/XX/2015. we were double covered until the end of the month. we have not had our insurance laps. America servicing company had been reported that we were changing and the new policy was sent to them by state farm on XX/XX/2015. I got lender based insurance info sent to me by them so I contacted them again and gave them the insurance company, and policy number, called state farm and had the policy resent to them. Come to find out they set up a escrow account and started charging me more for my payments. They have been contacted at least 7 times on this. They have taken extra monet from me which I feel they stole from us on a fraudulent basis. They were asked if they would give me a copy in writing on how long they have been taking it and I have been dealing with this for months with the mortgage company still not giving me the paperwork. I have had insurance and I want the money back they took from me on a fraudulent basis. I keep getting passed around to case managers on this just delaying it and it seems like hoping I will just give up and let it go. They took money from me on a fraudulent basis. I do n't care if it was {$0.00}, they were not entitled to it. I was insured.
I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!
I am a victim of online scam, Met a person online, I needed some money to pay my bills, he said he was going to help me.I trusted him and gave him my personal information. He than sent me a check, Told me to deposit it in my bank account. it was for a about XXXX, He said I could keep XXXX for my bills and to send him the rest. well like a desperate fool I did just that, I was so happy and relieved for his help. I had gotten a 3 day notice. He told me I should deposit it through Atm window, at my bank, Which was XXXX XXXX XXXX, I did as told, However I only got XXXX, back I was grateful for that, I went and paid some of my bills. With the XXXX, Well my happiness turned into everything but, When the bank called me and told me they were going to close my account, because the check was fraudulent, The bank said they would red flag me and I would not be able to open a bank account ever again, And that I needed to pay that money back ... Now I was more in dept Than before, I had no Idea. I called the police and made a police report, Submitted to the bank, The police were very helpful, after I explained that I was scammed, I felt like a fool. They reassured me That they would let the bank know that my actions were not intellectual. This happened about 6 months ago, I have not payed them back, I am on a fixed income with social security benefits of XXXX per month, I explained to the bank, They were not hearing. I suffer from XXXX, XXXX, and XXXX, I got XXXX of XXXX and being XXXX, I isolated myself for months still am. The police advised me to apply for life lock. And I did, because I was afraid he would steal my identity too, I had given him all my personal information, address, social security, Bank account information, he had told me he would deposit money in my account, It was all lies, I tried to open a bank account online with BBVA, for their second chance program, In hopes that i would be able to apply for a online loan through XXXX XXXX, And catch up to some of my bills which are still outstanding ... However your program or XXXX gave me a negative credit score. I feel like I take XXXX steps forward, just to be pushed XXXX steps back. How am I suppose to ever get out of this whole, Being a senior minority woman with a XXXX I feel stuck. Please tell what my rights, If any, How I can resolve Bank issue, My charactor is tarnished with all banks, I do n't know what to do .... Please help me get my dignity back, So I may be a part of this society ... Thank you for taking the time to read my story ...
I attempted to request a copy of my credit report through Equifax about a month ago. They got all my information and my older brother mixed where all of his and my stuff are showing up together eventhough the name, social security, and date of birth are all different. I spent over an hour on the phone with a manager by the name of XXXX, who promised to get it all corrected and will call me back in 24 hours. I never heard back and got busy with work. Today I get a notification that a negative trade line that belong to my brother got updated on my credit report. When i called again to attempt to get this resolved and almost an hour on the phone, i get told there was nothing they can do and i have to write to their dispute department. I am not an expert at the FCRA, but from my basic elementary understaning there are multiple violations that have been commited by the CRA and there has to be something that needs to be done. This is creating so much damages, emotional and material and preventing me to accomplish what i need. This is completely aheme that an organization as big as Equifax, specializing in accurately reporting information, ca n't seem to comply with simple basic law requirement. How many other people i wonder are having similar issues and simply dont know what to do or where to turn.
I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.
In XX/XX/2016 I contacted XXXX to transfer my internet service to my new address effective XX/XX/2016. I was told that I could reduce my bill to {$39.00} a month from {$59.00} by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the {$39.00} a month was never honored. I contacted XXXX on XX/XX/2016, and spoke to a XXXX who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for {$59.00} a month. He said that left me owing a balance of {$47.00}, which I promptly paid, and was told that brought my balance up to current. On XX/XX/2016 I received a collection notice demanding payment of {$150.00}. I called multiple times ( I have the hours of calls recorded ) and they never did amend my bill as they were supposed to. They disconnected my service and turned me over to collections, and I 'm receiving phone calls that are extremely rude. I do not owe XXXX a XXXX.
XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.
In XX/XX/XXXX I purchased a brand new XXXX XXXX. The dealership pushed me towards using XXXX XXXX for the vehicle and I accepted. After the first paperwork was filled out on the vehicle and my down payment was accepted there was an issue with something in the paperwork and I had to come back in and re-sign every page again. 

To my understanding we set up auto-pay that day however the following month I learned that there had been another mix up and I was about to be late on my payment. I paid in full plus a fee that morning on the phone. 

Later that week I was able to log into my account online and link my bank account and set up my auto-pay from my laptop during a business trip to XXXX. I made another payment and was happy everything was finally taken care of. 

XX/XX/XXXX my credit monitoring alerted me of a 30 day late from XXXX XXXX and my credit had dropped XXXX points below where I could qualify for the home we were purchasing! I immediately got on the phone with XXXX and inquired what had happened and paid the back amount of almost {$5000.00} with fees and penalties and the person who helped me made sure that auto-pay was set up and reflecting on both ends now and informed me there had been issues similar in the past after apologizing to me. 

They refuse to give me any form of resolve or letter to have this mistake and 30 day late off my credit to this day.
on XX/XX/18 a amount of {$450.00} was processed on XXXX and another one of {$100.00} on XX/XX/18. never received anything in return to the money. Bank said they couldnt do anything about it.
AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX experian late reporting XX/XX/XXXX &  XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.
I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur during XX/XX/XXXX through XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... 
After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to