WillisBack/dataset-financial-user-claim huggingface dataset:
I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute.
I attached a file ( bankruptcy ) and the ADDRESS on the file DOES N'T MATCH with my address. They have to remove it. I have never lived at that address.
I contacted XXXX XXXX before it was XXXX and I was placed on a long deferment due to a XXXX XXXX XXXX I was living in. I had to stop school in XXXX out of fear of XXXX XXXX locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.
I applied for a loan with this company and was approved, but didnt expect to keep paying {$280.00} every two weeks forever 10 to 15 weeks now for a very small loan. I tried to cancel but it was to late. I am a very hard working person who had a medical bill that had to be paid. This company is ripping hard working people off. Please help.
I recently took advantage of a suggestion off of XXXX to rebuild my credit. I made application with First Progress for a secured credit card. 
They took {$300.00} out of my business checking account in XXXX. I have called and asked for the funds to be returned as I never received the credit card. They said they would refund but they never have. They also took {$200.00} out of my daughters bank account and she never received the card. ( SEE COMPLAINT # XXXX with your office ) There appears to be a pattern of fraud, deception and embezzlement. 
XXXX should also have some liability in this as they are featuring this entity as a go to bank to rebuild credit or get first credit.
I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.
i sent in a identity theft affidavid and a police report to inform Transunion, XXXX, and XXXX that i have been a victim of identity theft and several accounts showing on my reports are not mine after thirty days their response was we verified these accounts as being yours but when i asked for proof they said we dont have to give you proof i asked why not if you are saying these accounts are mine i also said anyone can send you a letter saying these accounts are mine wheres the proof show me something with my signature or a copy of my drivers license, i have XXXX bankruptcy 's showing on my credit reports whne i disputed with transunion they did remove them but XXXX, and XXXX both keep saying we verified these with the courts which i a lie i called the federal bankruptcy court they said they do not verify any information for credit reprting agencies when i informed XXXX and XXXX of this their response well its been verfied we not removing them, these are the accounts showing on my report that are not mine i have disputed tiwce and sent in identity theft information. 
XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

any assistance would be greatly appreciated thank you.
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to Equifax and XXXX. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
XXXX   XXXX  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted my credit score and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.
I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!
Please assist me in getting this Tax Lien removed from my credit file. This tax lien is outdated and it needs to me removed from my credit file. The Tax is showing paid and it has a release date of XX/XX/2009. Please remove the attached Public Record from my credit file.
I am a XXXX University XXXX XXXX XXXX ( XXXX ) alumni and was there from XXXX-XXXX. I am having what I think amounts to a financial crisis and could use your assistance. 

I received all federal loans for my XXXX education, as recommended by XXXX, never with any private loans. 

In XXXX-XXXX, I received federal student loans through the FFEL program. In XXXX and XXXX I received " direct '' federal students loans. 

My plan since graduation from XXXX in XXXX has been public service loan forgiveness. Everything has been by the book. I have been in income based repayment since then, working at qualified employers ( I have submitted several certification of employment forms to the PSLF folks and have been on track ), and never missed a payment. Thus I was expecting my current ~ {$280000.00} in XXXX   school debt to be forgiven in approximately XXXX. 

I was on the phone with PSLF folks earlier today, just checking in that all was on track, and was told that the FFEL loans from XXXX and XXXX did not qualify for PSLF. This is ~ {$140000.00}. I was told that I could consolidate the FFEL loans to direct loans, but that I would then have to make 120 monthly payments all over. This would mean the last 7 years of IBR payments ( with interest accruing ) were a complete waist and I would have to start over. Thus {$140000.00} in loans I thought were going away in XXXX would be growing and not eligible for PSLF until XXXX at the earliest. This is a huge deal financially. 

I feel I have been completely XXXX financially. At no point was I made aware that FFEL loans were ineligible, not from XXXX, Navient ( my current loan servicer for the FFEL loans ) ; not until I called 7 years later and checked. If I had known to consolidate to direct loans in XXXX I would have done so, but now I have been making payments on the FFEL loans that are ineligible for PSLF. 7 years lost, which is probably multiple {$10000.00} 's.
I did not authorize inquiry by XXXX XXXX XXXX on XXXX XXXX, 2016 and I suspect attempted ID theft.
I have reached out to Equifax XXXX XXXX XXXX to request access to my credit report because I have not be able to gain access in over 2 years. I called them and when I gave them information to verify who I am they told me that's not the information they have on file. I have only ever used 2 addresses and only one name, my legal birth name. They refuse to accept any identification I send them to update my file so I can get access to my report and score. I have send letters after letters requesting an investigation be completed and they refuse to do so saying the letters are not valid. I am ready to file a petition against Equifax for withholding my credit file and not allowing me to challenge items on my file.
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! 
I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
i bought used car and car financing center in XXXX said come back in 6 months to refinance if i made my payments on time. when i did, he kept putting me off and then offered me to buy a bigger car. when i did, it broke down ( I now believe that he stopped the car because he did not like the deal ). he gave me my other car back ( I thought while the other car was being fixed ) and would not give me back the bigger car. then the first car that i bought broke down. he took it from the shop i left it at and repaired it without my permission. i reported this to XXXX. there is a starter stopper and GPS in my car that i did not know about or consent to. but yet credit acceptance corporation sent me a copy when i asked for one that is a declaration acknowledging electronic signature that i never saw or signed. my name is forged! the finance company has no problem with this dealer selling cars that are about to break down and then use the warranty to fix the cars instead of fixing the cars first. the dealer did not give a copy of the warranty either. the dealer had me " buy here, pay here '' and paid my payment late when i asked about refinancing. i asked finance company why they take the payments from the dealer. they said that they did not know who wired the payment. the dealer also keeps a key of the car. i am afraid that the car will not make it to the end of my loan and warranty is up soon. i do not know what else they forged my name on! help!
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.
I have been on a income-driven payment plan for at least 2 years. My plan came up for renewal in XX/XX/XXXX ( current plan expired XX/XX/XXXX ), I promptly renewed, received a letter telling me they got my renewal application and then a few days later ( XX/XX/XXXX ) got another letter telling me my renewal was accepted and there was nothing else I need to do. Then today ( XX/XX/XXXX ) I received a letter telling me I failed to renew my income-drive repayment plan and my payment was doubling. So far no response from Navient on why they doubled my payment.
I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.
Equifax has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

Equifax don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need EQUIFAX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.
I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015
Good Morning I have noticed that the debt appeared on my credit after my monitoring service notified me in XX/XX/2018. I waiting for the notice of debt to be mailed, However, according to the law a letter never was mailed by the stated company. I decided to send Diversified Consultants a letter myself requesting verification and ownership of the stated debt. I received a notice with just a face sheet with a simple amount owed. This is not considered verification or ownership of the debt. The letter threatened to take legal action and would have an adverse effect on my credit. I just want to be assured that the debt is correct and that this company definitely is suppose to be collecting this alleged debt.
I first identified a problem with my Capitol One account in XXXX of XXXX to notify them of fraudulent charges that had occurred on my account. At that time, my credit card was cancelled and a hold was put on the account so no other charges could be charged and would be sent new credit cards. We were told to make a list of all of the fraudulent charges that were against our account totaling {$1700.00} starting from XX/XX/XXXX XXXX XXXX XXXX. We explained to them that because we were set-up on an automatic payment system and they were sending the billing address to the wrong address, we had not become aware of the charges until we were doing an account overview of all of our accounts. Since that first point of contact in XXXX of XXXX, I have faxed over the list of fraudulent charges twice, most recent being XX/XX/XXXX. I have also spoken to various customer representatives and supervisors almost every month, last point of contact being at the end of XX/XX/XXXX ( when I faxed over the fraudulent charges again ) in which I was assured that they are still investigating these charges and that I should start seeing some charges being reversed ( there has been none ) .I have been told over and over these charges will be taken care of and I feel like I keep getting the run around and I am still having to pay money towards this balance and interest.
My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?
Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.
I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.
made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!
On XX/XX/2018, a charge for XXXX as posted against my XXXX Account held by XXXX. This charge was made by " XXXX Bridgecrest XXXXBridgcst XXXX TEL ID : XXXX ''. I tried to call Bridgecrest, but they won't speak to me and insist I reach out to their legal department through my XXXX XXXX. Unfortunately, XXXX won't escalate this on my behalf due to a window ( even though it was quite a recent charge ).
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.