WillisBack/dataset-financial-user-claim huggingface dataset:
I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
My home was foreclosed on XX/XX/XXXX. This left a second mortgage account with Bank of America that was not discharged. Even though they were notified that the property was no longer my responsibility, they keep making tax payments on the account and charging me an escrow balance. These payments keep being returned, with the last XXXX being returned XX/XX/XXXX. After XXXX attempts to have the escrow account removed, and after Bank Of America actually agreeing to do it once, they have once again re-established my escrow account and made another unrequired tax payment on my behalf. Now they are reporting my account past due, because I can not afford to make the bloated payments they are requesting to cover the tax liability. To make matters worse, they refuse to address the issue while the tax payment is being processed, and the subsequent request to have it refunded is in process. I literally can not get them to address the issue before they make another payment!!!!!
I have an issue with my credit report - I'm an victim of identify theft. So I placed a security freeze on my account. When attempting to call the them to have it removed -they all give me the run around and when I'm only asking to secure and unsecure. I'm in the process of applying for some things. However, it seems to be an issue with them wanting to life my information. Customer service is out of the country and when I ask for a supervisor there is nothing that they can do for me. Any one of the reps that I speak with can not assist me with what I need. My logon information has been jacked I have mailed my ID and other items so that they can fix the issue nothing has been resolved at the current moment. All I get is the run around when contacting them.
I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. 

On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. 

I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. 

On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. 


On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). 

On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. 

The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk  to someone at Navient, each rep tells me something different about my account situation. 

These people have been lying to me for years. Please help me resolve this issue.
Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
I received a call that I would get documents delivered to me. They gave me a # to call. I called the # and was told that I owed debt to XXXX. That is I did n't make arrangements that I would get documents delivered to me. I asked for a validation notice as well as their Professional License # which they did n't provide. I was told that they would mail me the validation notice which they told me before that they would mail it and I never received it. I was told they were with litigations and they were working on behalf of Platinum Holdings who wanted them to sue me.
Portfolio Recovery Associates has been harassing me about a credit card debt that is about 10 years or older. The debt doesn't even show up on my credit report anymore and the first thing they say when I answer is legally they can't do anything to collect the debt and can not sue me as the statute of limitations has passed. Then they proceed to say that morally I'm obligated to pay a debt I owe. This is just basic business at this point. I '' m not going to pay a debt that they have no legal recourse to collect and can't impact my credit history negatively.
My bank account was levied without notice or legal service. The bank representative gave me the phone number from the levy documents, which led to the XXXX XXXX Sheriff Dept. When I contacted them, they gave me the court case number for a legal action of which I was completely unaware. I immediately pulled reports from all XXXX reporting agencies, and not one report listed a delinquent debt. The court clerk did give me the name of Law Offices of Patenaude and Felix, a firm whose name appears in countless internet searches as predatory and abusive debt collectors. Therefore, this levy is an illegal collection attempt and an probable example of zombie debt collection.
I was attending XXXX University in XX/XX/2011. I had completed 2 semesters when myself and the rest of my classmates received a call to inform us not to come to class the rest of the week and we would be informed later as to what was going on. Well the school lost accreditation to their XXXX program. We were all involved in a lawsuit that was settled through the college insurance. It was only a very small portion of our loan amounts due to the large number of students involved. Anyways we were still left with a very large debt and no degrees to increase our salaries to pay these debts. I am struggling to repay these loans and it has really damaged my credit report. Gendering me from buying a car and the necessary items one needs. XXXX scammed us. They are letting me defer my payments right now due to my income but they are still adding interest to my loans at a high rate. Every time I get a job that pays decent they expect {$400.00} to be payed to them monthly. Sometimes more. I feel like I 'm never going to get this taken care of. What they are doing is wrong. Please help. The college needed up losing all of their accreditation and had to shut down. XXXX University XXXX XXXX campus.
Experian Report # XXXX XX/XX/2018 Experian on page 19 of 20 under Former or Current Employers have information missing to my Employers I have sent XXXX and contact I formation as well as Check stubs to Experian and it has been month after month and no corrections made correctly on old reports it had my Employers as I'm stating them once again. This makes no sense on credit reports adding false information removing correct this been going on now for 7 months with personal information on Experian Experian does not put information on Employers correct and delete current ones as past ones as I have over 11 reports all with information right and the 2 months later current Employers been deleted by Experian or the wrong occupation this needs to stop and corrected as Experian does not update current information correctly or spell the names of Employers correctly as I have had on previous reports with wrong names.
According to the information provided to and supplied by https : //www.equifaxsecurity2017.com/XXXX, my personal information was leaked as part of Equifax 's major security breach that Equifax discovered on XXXX XXXX, XXXX and made public on XXXX XXXX, XXXX.
On XX/XX/2018, I applied for Chase unlimited freedom credit card and was denied, because of a XXXX credit report.
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( Experian, XXXX and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 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.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( Experian, XXXX and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX  ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX
Hi, I have a problem with XXXX XXXX XXXX XXXX.  Unfortunately, I do not know the exact dates of the incident but here 's what happened : I had American Express gold card for years and used it until I realized that I'm paying {$180.00} annual fee, which for me and what I was using a credit card was too much so I decided to cancel that card but their representative, after several offers, finally offered to waive annual fee. I accepted and continued to use that card until I realized that after few months they still charged me {$180.00} annual fee. I called, they said that fee will be removed but never did. After several calls, their supervisor explained me that because I used their membership reward program ( I got {$20.00} GAP gift card ) I must pay annual fee. They never told me about that and if they did I will definitely denied the offer and cancel the account like I wanted too. I payed for all of my purchases and fees excluding {$180.00} annual fee and called AMEX and asked to cancel my card but they never did and although I did not used the card, charged for late fees etc. pumping that account to over {$400.00}. They also send debt information to credit report companies resulting in my credit score decreasing. Now they sending me offers to settle for 60 % of my " debt '' - {$240.00}. I tried stating my case to American Express customer service but without any understanding from their side. 
If you can help me on this matter, I would appreciate it. 
Thank you, XXXX XXXX
I believe I am a victim of fraud perpetrated by XXXX XXXX XXXX  ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by Equifax Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to Equifax! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. Equifax claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave XXXX when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call XXXX for further verification such a promissory note! 

I do not know where to go next. XXXX will not give me any official documentation on this account and Equifax is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that XXXX has a responsibility to provide me with documentation showing that I am responsible. Moreover, Equifax has a duty to report accurate information which they have also failed to do because they used only the information that I provided to XXXX verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
IRS Phone scam. Victim was told police would be coming to her house, she got scared and followed instructions to send {$500.00} via Western Union to XXXX.I have yet to contact Western Union.
I have made numerous attempts to XXXX XXXX XXXX XXXX to correct my Trans Union credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported
Chase LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX & XXXX XXXX Short sale was started with Chase on XX/XX/XXXX. We have sent the Purchase Contract and the HUD in to Chase multiple times, and even after confirming receipt and saying they are legible, Chase is now again claiming they can not read them. They requested a change to sales contract on XX/XX/XXXX, so obviously they could read it at that time. Now all of a sudden it's blurry and hard to read??? Chase has also just now requested an extension to the listing agreement, since they claim it expired in XXXX. They have had the listing agreement for several months and are only now refusing to move forward without a listing extension?? 

Chase is using these as an excuse to not work on the short sale and push this into foreclosure. 

Chase stated that HUD/FHA approved the borrower for Foreclosure Avoidance Options. However, Chase is refusing to issue the ATP. They are claiming that the " eligibility for pre-foreclosure options '' is what was received from the FHA in Friday and is not the ATP. They claim that that in order to postpone sale they must have the requested docs today ( XX/XX/XXXX ), that there is no guarantee of approval for the ATP, and that the FHA may decline to provide an ATP due to sale date being so close. The ATP comes before an offer is even reviewed. I have attached a blank ATP form as Chase appears to not know that they are and has no idea how to LEGALLY SERVICE AN FHA LOAN. The ATP requires 120 days for marketing and must be issued without a listing agreement or purchase contract. 


In addition, Chase sent the borrower the attached documents stating Let us know that youre interested in a short sale You can start the process by calling us, or by sending us a listing agreement, purchase agreement, or closing disclosure form by XX/XX/XXXX. ( ( see page 3 ) )  ***Chase stated the borrower has until XX/XX/XXXX to provide a package to be reviewed for a short sale yet on XX/XX/XXXX they refused to allow a short sale review to continue, claiming lack of documents. 

Therefore it is apparent that Chase is attempting to foreclose illegally. 

We do not have these issues on our white clients. WHY IS CHASE BEING ALLOWED TO DISCRIMINATE AGAINST THEIR NON-WHITE BORROWERS???