WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I submitted a request for a XXXX  XXXX to be deleted off my credit report to Equifax around XX/XX/2019 this bankruptcy has been on my credit for 10 years and it is Not reporting on the other two major Credit reporting agencies ( XXXX and XXXX ) it is not fair that equifax will not delete this bankruptcy and I need it deleted as soon as possible.
I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do.
Just looked at my XXXX report and found a XXXX DOLLAR DEBT from a place I NEVER recieved services from!!!!
I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure.
Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.
Re : Acct. XXXX XXXX XXXX XXXX report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted XXXX XXXX XXXX, XXXX verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe XXXX XXXX XXXX XXXX. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section XXXX and Defamation.
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, experian, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX  - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 Experian XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Seems that Discover Bank is at it again, I received a letter from XXXX XXXX, XXXX claming that I owe XXXX XXXX $ XXXX I have never had a card from them. 
Seems that the money was transferred to a discover bank account!!!
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was XXXX XXXX XXXX XXXX. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to transunion, XXXX, and XXXX  as such, and is totally inaccurate, the other problem is in XX/XX/XXXX-XX/XX/XXXX I noticed two 30day lates added to my credit report after the closing of account in XX/XX/XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.Transuion is reporting no payment history on this account at all, XXXX, XXXX  all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, XXXX XXXX XXXX XXXX XXXX.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. 
I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt
On XXXX XXXX, I financed a car through XXXX XXXX, who 's financing manager was acting on behalf of Chase Auto Finance. I have an XXXX FICO score and was offered a 3.9 % interest rate for a new auto loan. I asked the finance manager why Chase was advertising lower rates ( 2.49 % ) on their website and he stated I would need to talk to Chase ( after my loan closed ). I contacted Chase as soon as I received my billing information from them and asked why I was n't offered a lower rate, commensurate with my credit score. The agent for Chase could n't answer my question and transferred me to a Chase auto finance manager who informed me that the finance manager at XXXX XXXX ( acting as an agent for Chase XXXX was able to mark up the interest rate to whatever they felt they could " get away '' with. The fact that I could obtain a lower interest rate from Chase for the same term and amount was never disclosed to me. I assumed, as a reasonable consumer, that Chase would offer a competitive loan rate regardless of how it was obtained ( ie. online, branch, or auto dealer ). I feel that Chase Auto Finance and their agent XXXX XXXX engaged in Unfair, Deceptive Act and Abusive Practices by offering the same loan for the same customer at different rates, based upon the acquisition channel and not disclosing as such. I also do not feel that Chase has proper XXXX party oversight for auto financing agents making auto loans on their behalf.
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.
Dealing with XXXX XXXX was a pain. They were never clear about how to pay and any time I said I could n't pay the rates they were asking for and mentioned a lower rate, they denied it. So I defaulted on my loans with them because I could n't afford their rates. Many times I got them the breakdown of my current income and financial status. We even started repayment plans a few times, but when my financial status changed and I was unable to make a payment they were unwilling to help me so I had to default again. They even contacted my employer once without my consent to hunt me down at work and lied about who they were when my boss answered. One time I made a payment plan with them but they never followed through. They have also changed my loan servers so many times that I lost track. My cosigner finally contacted them after finding out my loan was with Navient and settled the loan on a special deal they offered. Once he paid he received no confirmation or receipt from the company. We are hoping it went through and was actually applied to my debt. If I knew that it was this difficult to deal with XXXX XXXX and their private loans as an XXXX year old trying to attend college then I would 've found another way. It seemed to good to be true and has been.
INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I am writing to inform you of the illegal actions of Toyota Financial Services in reporting a Charge Off of an account included in a XXXX bankruptcy that was discharged by the courts in XXXX by a judge. I demand that Toyota Financial immediately alert ALL 3 credit bureaus to have this illegal account removed as required by federal law. Most troubling is that this illegal account was only recently reported in XX/XX/XXXX and has severely negatively affected my credit score. Toyota has fraudulently made it appear that this account was a 4 month term and is past due for XXXX with an owed balance that was closed in XXXX by a federal bankruptcy judge. Toyota Finance maliciously and fraudulently reported to the credit bureaus that I have a recent charge off and reported this debt as active as of XX/XX/XXXX which is included in my bankruptcy in XXXX and discharged in XXXX. They have caused my excellent credit score to fall 300 points from nearly 800 to junk credit. I feel that damages should also be paid for Toyotas fraudulent actions that have negatively affected my credit in violation of federal bankruptcy laws. 

TOYOTA MOTOR CREDIT. 
Negative Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$6500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$24000.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Highest Balance {$0.00} Terms 4 Months On Record Until XX/XX/XXXX
I signed up for a credit card with Synchrony when purchasing furniture from XXXX XXXX XXXX. I signed up for a promotion of one year no interest. I then proceeded to sign up for autopay for my monthly payments. Today, I noticed a jump in my credit card statement which got my attention. I called the company and learned that the promotion was over and I had been charged back interest and a 29.99 % fee as well. My balance increased by {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

I understand I had a contract but I did not notice the promotion ended because I had signed up for autopay and missed the warning they provided in XX/XX/XXXX and XX/XX/XXXX 's statements. The only reason I noticed was the outrageous increase in my balance on my monthly email notification about my autopayment. 

I think credit card companies should have to notify you in the email autopayment that your promotion is coming to an end and to log in and view the statement. Most consumers do not look at the statements once enrolled in autopay and the credit card companies have an obligation to be more forthcoming. A consumer is likely to forget as I did when the year is up especially when using autopay. 

I spoke with Synchrony and tried to work out a deal to pay the amount off as of XX/XX/XXXX in full if they would work with me to waive the added interest and additional fees associated with a 29.99 % interest rate.They said they could not do that, the most they would do is waive a fee of approximately {$150.00} if I paid off a second charge that was also a smaller part of the total.
The call that broke my back is today XX/XX/2018at XXXX. 

They have called so many times using several different phone numbers to contact me. I would ask them who is calling. Several times, they refused to give me names or the company they represent. So, I would tell them to put me on the no call list and do not bother me again. However, they ignored the request and continued calling. I happened to be in my family lawyers office on XX/XX/2018 at XXXX XXXX. I gave the phone to my lawyer and asked him to inform them not to contact me. They stated that they removed me from there contact list. However, at XXXX on XX/XX/XXXX, they called again.
Case #   XXXX  The following is a rebuttal to  LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB   XXXX   XXXX   XXXX    Case  #  XXXX  Dea r Manager, Thank you for your prompt response. Unfortunately,   XXXX   XXXX   and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts :  1. That ou r property at   XXXX   XXXX   XXXX  ,  XXXX , MD   XXXX   was a rental property. The renter had a separate  XXXX  account. However, when the renter moved out and much later the bank foreclosed on the property  XXXX  decided to purge that account and outstanding balance was merged into our current account on  XXXX   XXXX   XXXX ,  XXXX  MD  XXXX   ( p resent home ). {$910.00} was merged with latter account exactly on  XX/XX/XXXX  ( account history enclosed ).    2.  So when  XXXX  makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property (  XXXX   XXXX   XXXX   ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current.    3.  That  XXXX  fails to ask requisite questions on  XXXX  and blindly ascertains that  XXXX  bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for  XXXX  when the account history referred in para  XXXX  above highlights the falsehood.    4.   XXXX  without first getting hold of itemized statement from  XXXX  unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and  discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy  to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness.   From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and  LJRA is no exception.    Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards.     Most respectfully,   XXXX   XXXX
Transworld Systems sent a notice to my husband, in his name, for an alleged debt owed to XXXX XXXX XXXX. My husband has never BEEN to this eyecare place, but I have. I contacted Transworld Systems twice asking that they send me an itemized statement for this alleged debt, which I do n't think I owe.
Chase card services closed my account because of recent transactions on other cards. I have almost maxed out a few of my cards ( recently married ). I have never been late with a payment, i have never missed a payment and my credit score is considerable higher then when i began using their services. I also was never informed of the accounts closure, i found out about it when i logged on to review my account ( which i do monthly with all accounts ). 

This entire process has been very annoying! Now i am paying high interest for a card i can no longer use as needed.
I was contacted by XXXX. XXXX on XX/XX/XXXX. He threatened to sue me and arrest me if I did n't pay off a debt to him. Out of fear, I gave the requested {$500.00} that day, followed by an additional {$200.00} every month following until XX/XX/XXXX. After investigating, I learned this company is a debt scammer, not licensed in the state of California, and not applying the money given toward my debt as verified by my triple consumer report from XXXX. <P/>After canceling the financial information, I received 3 calls that day threatening to sue me once more.
Caller continues to call my cell phone using NO CALLER ID, then leaves a message telling me to call her back ( XXXX XXXX ) at XXXX XXXX because of a claim that has been filed with her office. This is nothing but a scam as I have no outstanding debts and good credit ratings. This is the second time within 3 months they have tried this threatening me with a previous XXXX debt/lawsuit by end of business today, " but would take a few XXXX as a down payment to delay the filing ''. However, they would need to draft my bank account so I must provide them with my routing number/account number. What a joke!!! Please shut these people down before they hurt many innocent people! How do they sleep at night? 

Also found the following via Internet : Business Contact and Profile for Asset Recovery Associates Name : Asset Recovery Associates Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : XXXX Principal : XXXX XXXX Customer Contact : XXXX XXXX - ( XXXX ) XXXX File Open Date : XXXX 2008 Type of Business : Collection Agencies XXXX Accreditation : Asset Recovery Associates is not a XXXX Accredited business. 
Additional DBA Names : ARA Inc .
I was a student of  XXXX   XXXX  from  XXXX . During that time the administration and financial aid departments encouraged me to fully finance my education through various loans and grants. The total 4 years of tuition, fees, etc. was close to {$100000.00}. Since graduating I 've paid this much towards the loans and grants, however the total balance is still over  XXXX  ... I believe the school acted in coercion with  XXXX   XXXX  and various other agencies, engaging in willful deceptive practices, and ensnaring underprivileged students in further poverty.
I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.
On XXXX XXXX XXXX I called Experian and spoke to XXXX in disputes and advised her that i have reviewed my credit report and the same company is reporting the same account just under a different account number. She was not very helpful and told me that the accounts had been verified. I told the representative that all the information on the items are the same and that they just changed there name to XXXX XXXX from XXXX XXXX. She refused to assist me and said that all the information is correct and was very argumentative rather than helpful. XXXX XXXX XXXX XXXX account number showing is XXXX and XXXX XXXX account number is XXXX. the open dates are the same XXXX/XXXX/XXXX, phone number the same XXXX XXXX XXXX just one use a XXXX XXXX and the other a physical address. I know that this is not correct and can not report the same account under different account numbers. I would immediately need the accounts deleted from my credit profile.
On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.
SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.
CREDIT CARDS FRAUD OPENED BY SOMEONE FROM A DIFFERENT ADDRESS AND PHONE NUMBER ACCESSING MY PERSONAL INFORMATION SUCH AS SS # .ETC. 
AND ISSUING A CREDIT CARD WITH OUT MY KNOWLEDGE!