WillisBack/dataset-financial-user-claim huggingface dataset:
We wrote the letters to Senators XXXX XXXX, XXXX XXXX, and XXXX XXXX as follow ; Dear Senators : We need your help. 
( 1 ) Citing XXXX class-action lawsuits we reported HAMP frauds committed by Chase Home Finance LLC and requested the Office of Inspector General, US Department of the Treasure, to carry out a full investigation on XXXX XXXX, XXXX. 
( 2 ) The Treasure Department forwarded our letter to consumer Finance Protection Bureau ( CFPB ). 
( 3 ) CFPB picked up the case ( # XXXX ). However, an XXXX ( coordinator ) at CFPB is marginalizing the matter as " We vs Chase. '' That is not what we intended. 
( 4 ) Chase probably robbed more then $ XXXX on the HAMP program from the US government over nine years ( since XX/XX/XXXX ) ; and destroyed XXXX homeowner 's lives. 
( 5 ) We ask you to contact CFPB and other agencies to expose the entire Chase 's HAMP frauds ; and help recover all the stolen monies and rescue XXXX victimized homeowners. 
( 6 ) Chase sent us more than XXXX HAMP application forms and some of them said, " Your application is approved. To move forward, send us the following documents .... '' although we did n't apply. We never applied because we knew Chase would defraud as described in the class-action lawsuits. 
( 7 ) You can imagine the scale of frauds from that Chase sent out several XXXX copies of HAPM application forms to millions of homeowners nationwide.
Issue : Chapter  XXXX  filed   XXXX   XXXX     According to the Fair Credit Reporting Act, a  XXXX   XXXX  bankruptcy will be removed from your credit report after  XXXX  years.     However, the Credit bureaus ( except   XXXX    )  still report  XXXX   XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
In XXXX, 2015 I called Citibank 's customer number to dispute XXXX charges ( for a cancelled order ) on a rarely used credit card. Everything seemed fine at the time. But that agent must have 'flagged ' something on my account incorrectly, because they since have decided I 'm deceased! In the last XXXX weeks I 've literally spent phone-hours with various agents, who finally told me when I asked them to close my account, that it already was closed because I 'm deceased. A XXXX later, we received a letter addressed to my Estate from XXXX XXXX, Citibank XXXX XXXX. So I Priority-Mailed him/her colored photos of my Social Security card and current CA Driver 's License along with a photo of me holding that day 's XXXX XXXX XXXX. I BEGGED them NOT to report the untruth to any of the credit report agencies. If they do, this would snowball into more of a nightmare than it already is. Can you please help me with this? Thank you!
I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?
I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.
I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.
NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.
My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

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 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 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 U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.
I was denied having my loans consolidated for years. I was repeatedly told subsidizes and unsubsidized can not be made XXXX. Therefore I have n't been able to make my payment and remains forebearance accruing interest on XXXX accounts at 6.6 percent interest.
I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
I was trying to buy an online XXXX server I was led to believe that a person on XXXX was the owner of this XXXX which he was he acted like 2 separate. people and made me pay XXXX $ in 2 separate payments ( without tax ) and I would like to know wether I can refund this payment or not ( done through XXXX )
On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.
I was contacted by ECMC first time XX/XX/XXXX about defaulted student loans. I communicated with them that I am in the process of consolidation and I 'm just about finished with school and how that could be? I was under the impression I had a few months left after class ended! 

I also added all loans would be serviced by XXXX and I have an accepted consolidation loan set for disbursement in after I submitted my paperwork. At this time the Caller informed me that they are servicer and need to collect on " this debt ''. They demanded payment regardless of my stance of " in school deferment or the anticipation of consolidation. 

XXXX XXXX I noticed a " trade line '' on my credit report summarizing data pertaining to the recently paid-off student loan and a collection accounts reported by ECMC as a Paid collection along with several others with varying dates of collection " reported date XX/XX/XXXX '' I have since contacted them and they will transfer me to a line with no answer or hang up. I have sent them proof of full time enrollment from XX/XX/XXXX-XX/XX/XXXX and asked for verification with no response or action. They have also reported Date of first delinquency wrong and also Date of Default has changed on other reports. 

When I do speak to someone and its regarding collection they take the stance " we are the owner of this debt but when it comes to attempting to show proof of enrolment/deferment they take the stance that it needs to be filed with the original creditor. 

I have clearly shown them that the loans are in deferment and in consolidation thus i get the canned response not according to our records and we demand payment ... .They are causing a XXXX XXXX to enter the market with horrible credit and undue stress because of their lack of keeping sound records, constant changes to my credit report etc. In accurate date of first delinquency ( Because XXXX county and XXXX XXXX do n't have one ) I WANT ALL ECMC TRADELINES REMOVED Higher Education Act or FCRA they are in violation. I am also in the process on obtaining supporting data from the XXXX original creditors showing in school deferment and will take on their absorbent fees they added on. 

Some how the DHE got it right with their reporting but ECMC cant figure it out : -/ Please HELP ( PLEASE SEE attached XXXX Is the original Creditor showing DOFD XX/XX/XXXX and the ECMC XX/XX/XXXX ) As you can see XXXX and US dept of education are no negitives and current due to in school deferment.
I have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
My father died XXXX XXXX before the will was found and estate placed into probate my brother walked into Chase Bank on XXXX XXXX XXXX Il and removed close to XXXX dollars from a checking and savings account. These accounts were only in my father 's name. My brother was not listed on them. Chase fired the teller and has not replaced the monies as of yet. It is my understanding that they are required to replace monies stolen from any account. Why would the bank not pay these funds back into these accounts? They permitted a theft of the funds - they should pay them back into the estate. If the Bureau needs further information I would be happy to provide it. My desired resolution is for Chase to replace the funds
COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). 

He requested the money to be transferred through XXXX - an application that connects with most banks in the US and  approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. 

The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. 

However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. 

I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. 

I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. 

I also contacted XXXX both online and via phone, and their customer service is of no help. 

I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?!
On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.
I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.
I had Equifax investigate a dispute twice wit h   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . whose acc ount number for the account in question is  XXXX . I disputed this account because I have had no relationship with them and the information they were providing Equifax showed I made a payment to them o n  XX/XX/XXXX  which   coincidently shows that date as the last date that Equifax reported it updated. It was only updated when I requested the disputes. It came back verified as accurate both times even though I have proof that this account had erroneous information being reported by Equifax. Equifax told me to contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  to validate information. I s ent  XX/XX/XXXX  a request for  validation and proof of payment with proof of receipt on   XX/XX/XXXX  . I have not received anything from    XXXX   XXXX   XXXX   XXXX     regarding the validation of the above account. I called back to Equifax and they said there was n't anything else they could do.
I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.
To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.
In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my XXXX credit report. I immediately filed a dispute with XXXX  stating the account was not mine. I was informed by XXXX that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. XXXX contacted me again to say that the collection agency still reports it is mine. I was told by XXXX to contact the collection agency because XXXX does is contact the company and the company says it is mine an that's the end of the story. I contacted ABR, albeit reluctantly because I felt like XXXX did not do their due diligence and I am afraid of repercussions from the collection company and XXXX. At ABR I spoke with XXXX who stated that the account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with XXXX was over 700 and now it is down to like XXXX. That should not be allowed especially because it is false information.
To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & TransUnion ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.
I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didn’t pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
They've called me every day, 2-3 times a day. I've answered and explained my financial situation, apologized for the late payment and informed them that the soonest I'd be able to make payment is in a couple weeks. The last person I spoke too told me that was unacceptable and the calls would continue until I paid the debt. I told them the phone calls change nothing and that I'd like for them to stop. I'm aware of the debt, but have zero means to make payment until the first week of XXXX. Continuing to call me, even after being given a answer would be considered harassment. The collectors response was " it's not harassment if you owe us money and that's not a suitable resolution, so we will continue to call. '' so I hung up the phone.