WillisBack/dataset-financial-user-claim huggingface dataset:
I am including documents showing my current credit scores, according to XXXX XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at Trans Union today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of Trans Union, the one used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. Trans Union complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including Experian also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at XXXX according to their representatives over the phone, but the error only appears at the F.I.C.O. version of Trans Union as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. Trans Union match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
I have an XXXX credit card through Chase, opened XX/XX/XXXX. I have a 100 % on-time payment history for all my other accounts, so the fact that this card was ultimately closed over issues on their end when I kept trying to make payments, is very frustrating. 

I did let this account go close to 90 days past due ONE time while I was having health issues, because I did not realize it wasn't being automatically deducted like I had set up. I called in XX/XX/XXXX to address this - and here is where the issue is - unknowingly, I gave them my old account number off an old check ( from my checking account with my credit union ), and they CONFIRMED the account came up as " good '' and my payment would be deducted that month. I believe payments were due the XXXX each month. I waited the few days it usually took to come out of my debit account after the XXXX, but never saw a payment deducted from Chase.  So I called back to find out what happened and at this point my account was now 120 days past due in XXXX. They asked me to confirm my checking account information that the payment should have been pulled from - again, unknowingly, I gave the old check numbers, and once AGAIN they said the account was valid and my payment would be processed. It wasn't processed. This happened three months in a row, putting me 180 days past due in XXXX - even though I was trying to pay! After 3 months and nobody being able to figure out why my payments weren't going through, a manager looked and figured out the checking account was NOT active. So I got the correct routing numbers from my bank and they put them in, and then it showed up as " not a valid account ''. I just wanted to pay my bill, but every time I called I felt like I was getting the run around and nobody knew what to do. 

My account was shut off due to non-payment, even though I WAS TRYING TO PAY. They set up a payment plan, and I have been paying {$100.00} each month, on time, for over 2 years. And what is frustrating about this, is I was having to physically go into a Chase branch to pay my bill. They told me that since my payment didn't go through so many times when I was accidentally giving my old checking account numbers ( even though they said it came up as a good, active account ), that now there was a hold on my account and the new, correct routing numbers show as " not valid '' on their end. 


Bottom line - I messed up by being late those first 90 days due to extraordinary circumstances, but I was TRYING to pay my bill and was being told each month that everything was set to work and go through, and then it wouldn't. So my account was shut off even though I was trying to pay my bill. I have a great credit and payment history besides this one thing, so this whole situation is so out of the norm for me and I'm upset how much it has affected my credit.
I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX  3 ) XXXX Acct # XXXX
This morning, XX/XX/XXXX, shortly before XXXX XXXX. on my home computer, I authorized a wire transfer in the amount of {$10000.00} to my mother 's bank in XXXX. My mother is an American citizen who resides abroad, having moved to XXXX after retirement in XXXX ( these funds are in fact her monthly retirement income, and I provide her local banking to get her access to these retirement funds. ) Several hours later I received a phone call from Chase that was not clear and disconnected, and an email cancelling the transfer. When I contacted the bank via telephone, I was advised that I needed to go into a branch to show two forms of ID, which I promptly did, and was then allowed to resend the international wire transfer. In verifying the account information I noticed that the banker had left off a digit from the IBAN code, and she advised that she would shred that application which she did not process or authorize. She then reentered the information, which I then verified as correct, including the swift code and IBAN code, which I had received from the international bank this  past XXXX, and confirmed with the recipient that nothing had changed since that time. I then signed the paperwork, and authorized the transfer. The bank processed the transfer providing me with a disclosure and receipt. I then left the bank, returned to my office at which time I received an email alert that this transfer was cancelled too. I called the number indicated on the cancellation notice, and was advised that the internal review process had rejected the transfer, and that there was absolutely nothing I could do about it, and that there was no one within the internal review area with whom I could talk to to see what I could do to get this money transferred. I then called CFPB, and was directed to this forum, and started filling out this information. I then received another email, some forty minutes after the cancellation notice was emailed, advising that my wire transfer was sent. I called and spoke with XXXX who answered the phone for Chase on this most recent call, and she confirmed that the second cancellation was of the transfer that I never authorized, and which should never have needed cancellation, since I received no paperwork that it had even been attempted. This was a nightmare, and horrible customer service, aggravating and frustrating beyond measure.
In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.
I was told by Account Control Technology, that they were contracted by XXXX XXXX XXXX to collect delinquent student loans. I was to pay XXXX for seven years and after that the rest of my student loan would be forgiven. They called it the forgiveness program. I 'm a XXXX Veteran and my wife and were trying to purchase a home, to discover the negative student loan on my credit report. I called the FSA they told me no money had been paid on my loan EVER! I 'm XXXX years old and I ca n't start over again. These people have robbed me of XXXX dollars that they deducted out of my account ( ACH ). Now I have no way of getting my money back, I ca n't afford an attorney and my wife and I may have to move because we are occupying the house we wished to purchase. The owners are wanting to sell ASAP. I 'm at a loss. Can you help me?
I discovered a tax lien in t he State of M aryland which was not correct.     I had not lived in nor worked in the State of Maryland in  XXXX   ( y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In  XXXX  I discovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal  on  XXXX   XXXX ,  XXXX  noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On  XXXX   XXXX ,  XXXX  I sent TransUnion proof of the liens updated status requesting removal  by US M ail.     On  XXXX   XXXX ,  XXXX , I disputed online through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX  I mailed copy of lien withdrawal to Transunion by certified mail return receipt requested  (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX  I spoke with a TransUnion customer service agent to check status of my request for investigation. I was told that investigation was incomplete.      XXXX   XXXX ,  XXXX  TransUnion reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State o f Maryland as this was a lien filed in error. I sent information b y US m ail and confirmed documents had been received.     TransUnion is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The  State o f Maryland recognized the error and filed a motion to vacate and withdraw while TransUnion has failed to properly investigate and report the error.
A man with XXXX XXXX XXXX called me from phone number XXXX and ask to speak about a potential relative of mine named XXXX who is going to get a suit filed against her unless I could get her information. XXXX is my sister ... Now while he continued to harp on about a potential suit and the ramifications, I cut him off and let him know I collected for 20 years so I knew what he was saying was a false and illegal scare tactic. I also let him know that he should not have called me under the curcumstances of being a potential relative. He got mad and of course ended the call. This company is using bad practices and harassing potential relatives during business hours when potential relatives are working. Awful company that does not follow the FDCPA. I wish someone would tell these people you have better collections with honest practices ... .trust me I know. Also let them know they should identify the full name of the company when calling. I had to call back for answers. Another tip for this company is never assume you are smarter than the people you call spitting unlawful foolishness and lies.
I am a co-signer on a loan that my daughter took out while in XXXX  school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX  XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. 

While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX  until XXXX XXXX  I received 7 such calls over a 7 hour period : XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 2 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 4 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds
I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.
In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ). 

In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date. 

The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us. 

Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward. 

The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida. 

See links to news articles. XXXX and XXXX
I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you
Equifax mishandled personal information, directly leading to the exposure and theft of my personal information.
I paid debt off XXXX/XXXX/XXXX after paying in installments to creditors attorney. I contacted creditor and they said I still owed them. I contacted the court and XXXX and they advised to send certified mail stating that debt was paid and I can/will furnish cashed checks to verify it. Court set up hearing, and creditor did not appear but sent a satisfaction of judgement dated XXXX/XXXX/XXXX signed by their attorney 's office. Credit bureaus are still showing that I owe a balance on the account and that they " verified the balance '' with the creditor.
Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.
Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on XXXX XXXX, XXXX. This was done without notice and otherwise in violation of the CARD Act of XXXX which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in XXXX XXXX justify the hike in interest rates, but does not dispute that such account disclosures are contrary to the CARD Act, which was adopted subsequently. Citibank justifies the increase in interest rate since the account was " delinquent for a long time '' prior to the rate increase. However, Citibank admits that the account was delinquent ( late payments but less than 60 days ) XXXX times in eight years, but says that there were XXXX late payments in six months prior to XXXX XXXX, it is justified in raising the rate. This is not the law.
I submitted a letter to the credit bureau on  XXXX / XXXX / 17 ,  XXXX / XXXX /   17  and  XXXX / XXXX /   17  in regards to a collection that is reporting on my   XXXX   report. I also submitted the consumer a letter on  XXXX / XXXX / 17  and they responded back on  XXXX / XXXX / 17  and the letter states if they have furnished information to any credit reporting agency on this account, a request is being submitted to the credit reporting agency to delete that information. The credit bureau responding on  XXXX / XXXX / 17  stating my dispute is still pending, received another report dated  XXXX / XXXX / 17  stating the collection was updated and received another report dated  XXXX / XXXX / 17  stating the information I disputed has been verified as accurate. On each of my letters i advised the consumer and bureaus to please send me copies of the documents that they have in their files as of this date ( of each disputes ) that they used to verify the accuracy of this account. The consumer and credit bureau fail to disclose any information that I requested to validate this accuracy under the Fair Credit Reporting Act. The account is still showing as a negative impact on my  XXXX  credit report and I have not received any validation. I would like for this item to be dele ted due to they fail to provide me documentation. I have never consult or sign and documents with this company Pinnacle LLC/Resurgent, which is also  going to  be a HIPAA violation.
I went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.
On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.