WillisBack/dataset-financial-user-claim huggingface dataset:
Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as   XXXX   XXXX   XXXX   or   XXXX  aN D  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over  XXXX  so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report
I took out a loan from  XXXX   XXXX   XXXX . The loan and the auto purchased have both been absorbent. The car has had major mechanical problems since shortly after I purchased it.The car has been in the shop at l east 4-5 times a year. The expenses on the repairs in addition to being underemployed have caused me great difficulties. I contacted Citibank to explain my circumstance. They seemed to be understanding and told me that they the payment could be paid at the back end of the note among other options that were offered to assist. They were not upfront with me.  While I agreed to putting the payment on the back end, I was still being charged excessive fees in addition to late payments being reported.     I do not agree with the additional fees in addition to the late reports on my credit report. I am appalled that this is a car they would finance to begin with because the car was not in the condition that the dealership  XXXX   XXXX   XXXX   XXXX  claimed that it was.I have paid for this c  ar three times over and the car is not in working condition and I still have a balance of {$9300.00}.
I have been cheated with the purchase of the car and the loan company is mislea  ding. I really would like to have the excessive late fee 's removed and the late reports to be taken off of my credit report.
I do n't owe Ic system, i did n't open an account in XX/XX/1016.They have nothing with my signature, i believe it 's a scam.
I sent a letter to XXXX XXXX. Requesting that they VALIDATE not Verify a debt that they are attempting to collect from me. I specifically asked for a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been VALIDATED by me. They provided me with a billing statement which does not prove that I am obligated to pay them anything. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no known relationship with XXXX XXXX. I am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
I am attempting to close the equity line of credit. Bank of America is refusing to file necessary paper work to get lien release without me paying fee of {$13.00}. I have contacted them several times but they continue to refuse to close the loan and get loan release without me paying them {$13.00}. At time of closing I asked if there were any fees to close line of credit and I was told no fees of any kind.
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, XXXX times and they still refuse to fix it.
I had updated my direct deposit information to my employer and accidently reversed the numbers at the end of my account number. I saw the mistake before the money was actually deposited into the wrong account and contacted American Express Centurion and told them and they explained to me that the computer would recognize my name and still deposit the funds into my account. This did not happen. My pay check which was {$1300.00} was deposited into the wrong account. American Express did freeze the funds so this other person could not spend my money and then requested that my pay roll bank which is XXXX XXXX submit a letter called a Hold Harmless which pay roll indicated that they do not provide. Payroll then submitted a recall to retract the funds and American Express denied the recall. They then indicated again they would only release my funds to the bank if they received this letter that my payroll bank does not provide. We have asked if there are other methods besides this one and they keep telling us they will get back to us and they only keep saying they need this Hold Harmless Letter. They then told me that they can only hold the funds for 30 days and after 30 days they will release my pay check to this other person and they will get to keep my money. This is totally unfair. We all know that there was a mistake and there has to be another way to have things verified to send my hard earned pay check back to the pay roll bank. I am living one pay check behind and I am late with all of my bills and my rent is now a month behind and my landlord is very upset and threatening to evict me and my XXXX kids. This pay check was right before XXXX also and I had no money for XXXX or the XXXX XXXX. I desperately need my money and they are doing nothing to get it back to me. It is as if they do not care when they clearly see the money belongs to me. I have been having the direct deposit for years and even now my pay check is still being deposited. Please help me.
I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account.
I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!
Company accusing us of not having insurance and trying to make us pay for their insurance. Our provider has contacted them. They have a long standing of fraudulent activity.
I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.
I have completed numerous disputes with XXXX in regards to my XXXX XXXX Amex and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing Amex as a open delinquent account.
A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!
I signed up for a dollar and cancelled my membership the same day I was still charged XXXX a month. I called and cancelled again they charged me again and again A complete waste of money. The only way to cancel is to call and the estimated wait time is over an HOUR. There is no way to cancel online.
I started getting money taken out of my paycheck and I found out from my XXXX that it was my wages getting garnished.
I have been in the habit of purchasing " XXXX XXXX XXXX '' and using them to load money into my XXXX account. Last year I purchased XXXX cards for {$500.00} each and did not immediately load them into my account. XX/XX/XXXX I scratched off the PIN on one of them and attempted to redeem it, only to be told that the PIN had already been used. I contacted the customer service number and provided the serial numbers of the other XXXX cards and was told that they too had been emptied, even though I had never scratched off and revealed their PINs. XXXX uses the XXXX XXXX XXXX to handle reloads and I submitted a dispute form to them. After 6 weeks hearing nothing, I contacted them again and was told that I had been the victim of a fraud and that there would be no funds returned to me. I asked how I could be the victim of a fraud here and they said that I allowed someone to get ahold of my PIN. I asked how I could have done that, since I did not know what the PIN was, given that the PIN was still hidden under a silver coating on the back of the card. 

They told me that I needed to file a police report and have the police investigator contact XXXX. This seems preposterous to me. If I go into a XXXX XXXX and purchase an XXXX and discover when I open the box that someone has substituted a brick, I do n't go to the police, I go to XXXX XXXX. 

XXXX XXXX XXXX has poor security and fraud detection and THEY released my funds to someone else. I was not robbed ; they were.
I have disputed inquiries on my credit repeatedly and have only been advised that the persons stated that I requested the information. I am victim of identity theft/fraud and am looking for resolution. I have over XXXX inquiries on my credit, a broken lease that I did not authorize with XXXX properties and am unaware of the property, addresses and name changes that I am not aware of, accounts that are beyond the statue of limitations that I have asked to be removed and were not, as well as student loans that have been consolidated and should not show open on my credit report. I have called and received no assistance, long wait times, the inability to submit the full dispute online. I have XXXX and am only seeking a remedy in this situation. XXXX has been great with taking care of all that I have asked, except the name change. My name is XXXX XXXX XXXX, that 's it. I do not care if a copy of my driver 's license was provided or social security card, I did not sign for XXXX of what I am being accused of. I have not been able to remain stationary so that a police could come out to me to file the police report, but I have the affidavits filled out completely. I am livid that I can not get the things done through XXXX and Transunion, that I have to go to these lengths.
I was informed by the media that Equifax accounts had been hacked and that possibly my information had been stolen onXX/XX/XXXX 

I was redirected from the Equifax website to https : XXXX to check and see if my account was one of those affected. I entered my information and was told that indeed my account was affected by the 'breach ' in security, and I was told to come back on XX/XX/XXXX to enroll in an free annual program that would theoretically protect my account. I did this, and have since not received any confirmation or further information. 

I established a permanent security freeze on my account with Equifax in XXXX, as I had seen suspect activity in my credit report. I have not lifted this freeze using the personalized pin number I was provided at that time. 

It seems to me completely irresponsible that Equifax has handled my information so poorly and allowed it to be stolen, particularly considering I have paid the mandatory {$5.00} for the security freeze on my account. 

I ask that the US government close and liquidate Equifax immediately. Equifax should no longer exist as a company. It has permanently jeopardized my identity and my future security, as it has done for half of all Americans, which is totally unacceptable under any circumstances.
I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.
This is an amendment to my prior CFPB complaint submitted against this unethical comany. Complaint # XXXX. 

Last week I discovered that Chase failed to pay my home owners insurance annual premium, FROM THE ESCROW ACCOUNT THAT IS AT ISSUE IN MY PRIOR COMPLAINT, when I got a text from my insurance company telling me that my policy would lapse at XXXX that night if not paid. 

When I called Chase, I was asked to confirm that XXXX was my current carrier. I advised them that there had been no change and was puzzled as to why it was not PAID if they KNEW who the insurance carrier was. I was not given any type of answer. I was however advised that it was likely not paid because the insurance company had the WRONG ADDRESS. When in fact, Chase had the wrong address. Chase has the mailing and property address FOR THE PROPERTY THAT IT IS THE MORTGAGE HOLDER ON. Chase has XXXX XXXX XXXX XXXX, XXXX XXXX NEVADA XXXX. When in fact the property address is XXXX XXXX XXXX XXXX, XXXX, NV XXXX. How is this? I was then advised that this was likely " the address that was on the original loan documents. '' I advised that was incorrect. My prior mortgage holder had the correct address on file and the documents would never have recorded correctly to transfer ownership. I was then transferred at least 4 times wherein the representatives could not understand that Chase has the wrong address. I was asked to send in tax documentation to confirm the property address and the parcel ID #. I refused - it is not my problem. I have attached a PDF print out of the XXXX County Assessors office supporting my assertion that Chase has no idea what they are doing. 

This has got me believing that Chase likely does not have a correct or accurate copy of my loan documents. I mean, if they did, they would know the correct property address, right? 

Lastly, I continue to get calls in response to my prior CFPB complaint which seem to miss the point. My concern is not regarding the payment of my special district taxes - DESPITE THE FACT THAT IT NOT PART OF MY ORIGINAL LOAN AGREEMENT. My problem is that Chase is apparently unwilling to allow me to make a deposit into my escrow account ( WHICH IS VOLUNTARY AND MY MONEY TO BEGIN WITH ) and the reassess or re-evaluate my escrow account as to any " projected shortage '' that may occur over the next year ... so that once that is done, my monthly payment will not increase. Chase apparently does not care what is in my original loan documents, what would be a " Courtesy '' for its customers ( I have never asked for a courtesy revaluation of my escrow account with Chase and I believe that I am entitled to ask for that, in writing, in the event that I do not agree with the projection. ) This is not rocket science, but common courtesy.
After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit. 


FRAUD INQUIRY ON EXPERIAN BUREAU XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD INQUIRY ON XXXX BUREAU XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

XXXX XXXX
Every credit report ( all 3 XXXX, Experian and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a zero balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.
Navient, which now services Sallie Mae 's old loans, has denied my requests for public service loan forgiveness. I have worked in XXXX XXXX  for 13 years ( over the 10 years required for forgiveness ) and have made well over the qualifying 120 payments on my loan. My loans were consolidated by the lender which no longer make them a qualifying loan type under this program. Had I known this before I would have never allowed them to consolidate my loans. Part, or all, of my student loans should be eligible for forgiveness. The PSLF program is a complete scam. I worked to pay down my loan over the last 13 years only to find out when I applied for this program that I am not eligible. There was no guidance on the part of the lender and, conversely, they placed me into a consolidated product that rendered all of my loans ineligible for forgiveness.