WillisBack/dataset-financial-user-claim huggingface dataset:
There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections XXXX. Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX TransUnion, XXXX, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately Chase is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Originally I applied for loan modification and was denied. I listed my house for sale ( its short sell since I owe more than what the house is worth ) and had couple of offers and non of them were accepted by the bank, they said they were too low. My agent finally found a buyer with a higher offer, we have sent all the required forms and items to the bank and appraisal was done on Friday XX/XX/XXXX, I have asked the loss mitigation ( XXXX said she is not willing to postpone sale unless she gets the appraisal, well the appraisal was ordered by the bank and not me, she is responsible on getting that, there is nothing I can do, I have done my part. She needs to postpone the sale in order to allow time to get the appraisal. Sale date is XX/XX/XXXX.
I had co-signed for my brother 's student loan at XXXX XXXX XXXX XXXX around XXXX. 

Around XXXX, I had filed for personal bankruptcy and noticed a XXXX loan was also in existence that I was a cosigner for from XXXX. I contacted XXXX XXXX ( not Navient ) to get the paperwork. Other than my name and social security number, the other information on the application/note is not mine. It has an incorrect, and out of state, phone number and I did not sign it. They use electronic signatures via email. The email address they have for this note is clearly not mine. I have contacted them several times and even wrote letters to them and the credit bureaus disputing this to no avail. They claim that even though it has an incorrect email address that 's not mine, the social security number matches and therefore it is a legitimate. I am not contesting the validity of the debt, just the validity of my attachment to it. They refuse to work with me, they refuse to acknowledge their own lack of due diligence and they refuse to even work with the payments to even make it manageable so I can avoid negative credit reporting and late payments while this is sorted out. 
I can not afford this nor can I afford an attorney for legal action against them and the school for allowing this to happen. 

I do not know my options or recourse.
Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.
About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice!  All this is happened this year.
On XXXX XXXX, 2015 at around XXXX XXXX I went to deposit money into my chase account. I had given the ATM the cash and it started verifying it then it said the ATM was unavailable. I then called customer service where they said i had to file a dispute. I then got transferred and file the dispute with someone else. The gentlemen on the phone said they would give me a credit to my account while they did the investigation, that the investigation would take 10 days and i would have an answer or my money back by XXXX XXXX. On Monday XXXX XXXX i got a notification on my phone about my account being overdrawn. I logged in to check what was going on and it showed the credit had been reversed. I immediately call customer service and ask whats going on they said the investigation had ended and they found nothing. I told the guy that it was n't fair they stole my money and now i have to pay them back, and now on top of everything they 're going to charge me overdraft fees because they stole my money and wont give it back? He then stated he 'd noted on my account not to charge overdraft fees since it was n't resolved. He said i have to request the ATM footage from the bank. I do n't know how chase works, but I 've worked at another bank and they check the ATM 's every week, I do n't know how this investigation took so long. I 've never had something like this happen to me at my previous bank. On XXXX XXXX XXXX i called the chase bank located on XXXX, i told the man who answered what was going on, i gave him my information ( Debit card that was used to make deposit at atm, date and time the issue occurred, how much the deposit was for and a call back number ) he said he would call me back by the end of business day. Never called me back. XXXX XXXX I called the customer service number for FDIC they said i should file this complaint. Now i called the bank one more time, today XXXX XXXX at XXXX XXXX, they gave me a number to call and request the footage from that number, it was just chase customer service, the person i then spoke to said i need to file a police report so the police can obtain the footage. I called the police and i now have to go in and file a report. When i summarized what was going on, the police officer i spoke to sounded surprised chase would n't give me the footage. I 've always heard great things from chase and that 's why i opened an account there, i was planning on taking my 401k there after the XXXX month. I 'm glad i did n't do it right away.
I was never provided a date, time or location of the sale of the car. Also I was not given any notice or way to collect my personal property from the car.
I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.
1. The lender (   XXXX   XXXX   )  receives notice from  XXXX  Police Department that my vehicle is being held in the impound.  XXXX   XXXX   XXXX  )  2. T he lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if ...  ( e ) th e vehicle is seized by any local, state, or federal government or authority. ' ' (   XXXX   XXXX   ) 3.   R epossession agency  (   XXXX   XXXX , state license  XXXX   ) s ent letter to me notifying me of " my right to retrieve my personal effects or other property. ' ' (   XXXX   XXXX   ) 4.   Lender sent me " Notice After  Repossession. '' (   XXXX   XXXX   ) 5.  Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession.  '' (   XXXX   XXXX   ) Pulled cr edit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6.  Disputed the accuracy from my auto lender  (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us. (   XXXX   XXXX ,  XXXX  )  8. Inf ormed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( Proc edure in case of disputed accuracy ), and hung up while I was talk ing. (   XXXX   XXXX ,  XXXX  )
NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.
XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  XXXX   XXXX   XXXX
I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.
I sent certified letters to XXXX, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX disputing the collection account from Commonwealth Financial in the amount of {$1300.00}. On both occasions, all 3 credit bureaus stated the information was verified and accurate ; however, none of the 3 credit bureaus sent any documentation to support their response as I requested, only that the debt was verified. I contacted the company directly ( per the direction of all 3 credit bureaus if I still disagreed with their findings ) by certified mail on XX/XX/XXXX requesting that they validate the debt. The company signed for the certified letter on XX/XX/XXXX but I have never received a response from the company to this day ... ..almost 3 months after they received my letter. I contacted all 3 credit bureaus AGAIN by certified mail on XX/XX/XXXX advising that they did not provide any documentation to me and the creditor has not responded to me. I have recently received responses from both XXXX and XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company will not respond to me. This has been going on for 6 months now with no resolution.
Actions : I closed my checking account. The payday loan companies will not provide me with a hard copy of the information and will not take a different form of payment other than ACH debit from checking account. 

I have just found this information out due to my checking account having many issues.I did not figure out the everything until XXXX the first week in XXXX. I had this happen with 3 other companies during the same time period. The companies deposited money into my account and it all originated through email. All four companies deposited money initially and made withdrawls from my checking account. I have received harassing phone calls on my cell phone as well as work. 

My checking accounts were closed after several hours at the bank on XXXX. A new checking account with a new number has been made my bank. 

This has caused a lot of issues. 

My checking account has had several issues and I learned it was fraud through my checking account. I have learned this originated through my email account. 

1. XX/XX/XXXX-Email stating an account has been created for me and to sign online using your email and password. ( THIS IS WHERE I THINK ALL THE FRAUD BEGAN ) Welcome to Speedy Cash Your Speedy Cash account has been created. You can now sign in to your online account using your email address and password 2. XX/XX/XXXX-Email from XXXX XXXX : XX/XX/XXXX stating the following : ( I did not request this loan ) Your loan request in the amount of {XXXX} is being processed. Your request was approved outside of today 's funding time. You should receive your funds within the next 2 banking business days, subject to financial institution funding times and system limitations. Funding times will vary by bank. 


2. Funds are in account -- XXXX in checking account 3. XXXX -email from Speedy Cash that loan is approaching and a link to sign in my account. See the following : Your payment is due XX/XX/XXXX As a reminder, the payment due date for your Speedy Cash loan is approaching. 
Payment Information Loan Number XXXXXX Amount Due $ XXXX Due Date XX/XX/XXXX If you already made the minimum payment due, please disregard this message. 
*Based on your loan payment schedule, we will attempt a payment of {XXXX}. Please note that the actual amount may differ based on account activity. 
If you elected to automatically make your loan payment per the optional loan payment authorization form, you dont need to take further action. 
If you would like to make a manual payment or change your payment information, please sign in to your account. 
Sign In To My Account 3. Email that money is being withdrawn from Checking Account being withdrawn on XXXX 4. Another email that account XXXX that a the same payment is due on XXXX for XXXX. 

5. XXXX email stating payment is dueXX/XX/XXXX for XXXX. 
- a reminder, the payment due date for your Speedy Cash loan is approaching. 

6. XXXX email stating payment is due XX/XX/XXXX for XXXX. 
- a reminder, the payment due date for your Speedy Cash loan is approaching. 

7. XXXXemail stating Loan Balance of XXXX. 


8. Several more emails continued through XXXX XXXX so far as well as debiting from my checking account.
A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.