WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by TransUnion as of this date, XXXX-17.
I have been a long term customer with Bank of America. They feel they can disciminate against companies which manufacture guns and supplies in a completely legal environment to promote their one side social agenda, which is to kill the 2nd amendment. We the taxpayer and our Governent bailed out these institutions in a record high amount less than 9 years ago, averting financial disaster for our county. I am in the process of leaving BOA because I no longer feel safe banking with them, since I am a 2nd amendment supporter and actively follow it. I feel BOA will be out to hurt all conservatives and legal gun owners in general as a common business practice to funnel loans and financial incentives away from us. This should be illegal, I like the people who work at BOA, they are good people and have always helped me, I feel financially unsafe to continue to do business with them anymore. Its too bad that the socialist movement can find it way this easily into our core financial and banking systems in this day and age. I feel this should be strongly investigated and these banks should be penalized, bare minimum any federal banking should be relocated to banks that dont discriminate against the constitutional rights of citizens and companies who are making a living, law adiding and want to be able to defend themselves and our great nation.
On XXXX/XXXX/XXXX, I arranged my payment due to Wells Fargo Dealer services in the amount of {$930.00} to be drafted out of my account today, XXXX/XXXX/XXXX. This payment is in reference to transaction number XXXX. I received a missed call and voicemail today, XXXX/XXXX/XXXX from XXXX at XXXX PST from a woman named XXXX with Wells Fargo Dealer Services saying that she was calling to collect a debt in reference to my car payment. This is a formal complaint against Wells Fargo Dealer services for calling me when I already had a payment scheduled three days ago. 

Also, I returned XXXX 's call immediately and while I was on the phone verifying my information, I discovered that Wells Fargo Dealer services had the WRONG ADDRESS and WRONG PHONE NUMBER associated with my account. They had my address listed as XXXX XXXX XXXX XXXX, which is not my address, and the phone number XXXX as my phone number on file which has never been my phone number.
Today XX/XX/2018 I recieved a phone call from a man named XXXX XXXX. He said he was from XXXX XXXX XXXX XXXX. He said that before he could speak to me about the debt he had to verify my phone number and address. He stated he was attempting to sue me for a debt I owed XXXX XXXX. I said I had already been paying on that account and had just paid it off. He said I was lying and asked me for the reciept. I told him I didnt have the receipt on me that i was in the car and it had been over a year ago when I paid it off. He called me a lair and an ignorant XXXX trash XXXX. He also said he was going to have me arrested for not paying him the amount owed. I asked for his address and professional license number and wouldnt give me either on and said i was XXXX XXXX and not to call his office again. I called wells fargo and they sais they have no record of thw account.
XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.
XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} Plusfor ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from Plusfor. Apparently they assigned the collection to XXXX XXXX ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from XXXX for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called XXXX to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that XXXX can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called XXXX to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via Plusfor ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at XXXX to confirm that everything was in order. He told me that Plusfor had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, Plusfor refuse to talk to me, XXXX XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX called me. He told me that Plusfor still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows XXXX following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
Plusfor continue to report a non-existent debt on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?
During the recession employment was not steady. I fell behind in my mortgage payment. 

As the economy improved so did my employment. I was able to find more employment and gain higher wages. I contacted CHASE BANK who services my loan for XXXX XXXX in XXXX XXXX. CHASE BANK said that they would be willing to look at my mortgage loan and tell me my options for mortgage assistance and repayment. I was happy to hear that I would have a chance to stay in my home. Today is XXXX XXXX, XXXX almost two years later and after sending in XXXX pages if not a XXXX plus pages of documents to " CHASE BANK, '' recently CHASE BANK sent me a letter stating that they have not received all of the paperwork required for mortgage assistance and I was denied. A sale date for foreclosure was set up for my home without being given any options of repayment. 

During the time of applying for mortgage assistance so that I could do a modification of my loan. CHASE BANK would always ask me to summit document, some documents were hard for me to find like my deed of trust or they could not verify my resident because I used my PO Box as my mailing address, but all bills showed my service address as my resident. 

Once CHASE BANK claimed they had everything they needed they would say that the loan is with the Underwriter or the Investor. After the loan came back from the under writer or the investor, CHASE BANK would always say XXXX of XXXX things. They ( CHASE BANK ) need more documents, the documents have expired while with the Underwriter or Investor, or the previous CHASE BANK representative who was helping with the mortgage modification has been promoted and I have to send all new documents in again. 

This has been the cycle ( doc expired, more doc, rep changed, etc.. ) with CHASE BANK for almost two years. All I every asked for was my option to repay my loan and keep my home. 

My house has a schedule sale date for XXXX XXXX, XXXX and I am still sending in documents ( which Chase Bank is asking for ) asking for mortgage assistance, modification, or repayment options to keep my home.
XXXX XXXX put a block on a merchant without my consent or notifying me a block was put on the merchant, or the reason for the block. This block resulted in significant data loss from the subscription service being discontinued due to the block. 

XXXX XXXX then took several days to remove the block, something that normally could be done much quicker should a reasonably professional effort be made to do so by XXXX XXXX.
Trans Union is reporting that a bill has not been paid for {$170.00} and is in collection status. The Bill is from XXXX XXXX and has been in dispute status for several months while I was trying to get the insurance company to pay it. Finally got the bill re-coded properly and Insurance company paid it. After 3 attempts to get this resolved, They are still showing it as unpaid.
I called chase credit card services ( XXXX ) twice this week attempting to remove a late charge on my credit card. This had negatively impacted my credit score. I have had accounts with them for over 15 years I've never been LATE or missed a payment. I'm a XXXX year retired XXXX veteran. Who is trying to buy a home! Because of this matter I can not proceed. I told them I never received this statement in the mail. As soon as I found out I paid it promptly. By the time I paid it was already 30 days late. I actually had to pay both the due date and late payment at the same time. 
All I really wanted was a one time goodwill adjustment. Yet they won't grant me one ... Amazing, I've never been late for 15 years. Once I pay these people off I'm closing all my accounts with them and I'm going to tell everyone I know to say away away form CHASE!
Navient/Dept of Ed/XXXX and others have all lost all my student loan documents as original instrument of debt in it 's original form, and have repeated told me this in writing many times. They also can not verify any of the interest they have been charging me on these loans from XXXX ( both XXXX and XXXX ) is even accurate, with the exception of one XXXX loan which was for {$4000.00}. The interest is now over {$280000.00} on these loans and I can not get any information about them, since the loans are now too old and they have lost all the original information. In addition, many of my XXXX Loans which are included in this consolidation have been in a lawsuit for fradulant activities. I have since received a settlement from the Massachusetts Attorney General 's office for fraudulent activities on my XXXX loans, but Navient/Dept of Ed or XXXX do not care that there were any fraudulent activities, nor do they care that they have lost all this original documentation, and refuse to give me any exact accounting of the interest they have since applied to this loans. They refuse to even consider that there is any error here. XXXX
I received a loan in the amount of {$450.00} from XXXX  XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Ally Financial ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX  look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
This relates to on going complaints/investigations currently underway. As of recent, XXXX reports one of two student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in " Charge Off ''. In fact I have recently ( see attached ) recieved a letter from XXXX XXXX ( affiliated with XXXX ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by XXXX concerning me and my Daughter, XXXX XXXX XXXX. We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed '' XXXX reports this three times concerning a single loan. Originally three three checks had been issued by XXXX for a single school years and concerning the same time period. This does not constitute three loans let alone three loans late all at the same time. And at no time had any of these loans been in " Charge off Status ''. To date, XXXX, has exceeded sisty days to provide copies of original documentation as demanded. Additionally, XXXX has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX XXXX that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and T-Mobile would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
XXXX
I am submitting this complaint about XXXX credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is  reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.
Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.
HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.
I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything.
I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling
Every time I try to figure out payment with ancient they tell me I need a forbearance and now I have a ton more interest.
Loan was taken out in 2008 for {$21000.00}. Have been paying on the acct. for 10 years & now the balance is $ 26,000+.
I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA
Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service..
During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.