WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.
I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.
I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream  grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages. <P/>My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement. <P/>I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX  This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies. <P/>
Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.
In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure. 
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. 
I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %
The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, XXXX, and Equifax -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over XXXX days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
I contacted XXXX and Equifax to dispute all hard credit inquiries on my credit report due to fraud and the Equifax data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
this company which i hold no contract with nor have i received services from, reported a collection account against my ssn with XXXX, XXXX and XXXX credit reporting agencies. i requested verification of the debt and account however the business failde to provide adequate proof. considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
I contacted XXXX  and Experian to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX/XXXX  acct # XXXX ; XXXX XXXX XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.
After my bankruptcy was discharged, I received written communication from Navient that I had to start my repayment plan would start on XXXX/XXXX/2017. Several days later, I received another letter stating my request for forbearance was approved. I did not request a forbearance and have not been in contact with Navient. I am planning on paying my loan back because I do n't want to accrue any more interest on my loan.
I received emails and phone calls regarding a student loan for XXXX XXXX that I never cosigned for. I want my credit report cleared and damages for undue harassment. Navient needs to go after XXXX XXXX for repayment
I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.
This account has been closed and charged off with the original bank and I do not have a signed contract with Midland Funding or XXXX XXXX XXXX nor have I done business with Midland Funding or XXXX XXXX Systems. I have a right to demand a signed copy of such contract between Midland Funding/ XXXX and myself.
On Friday, XX/XX/XXXX during a family vacation I attempted to use my Capital One card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted Capital One and after several hours of holds and transfers discovered my credit card account was closed due to a notice from XXXX. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to  contact both XXXX and Capital One regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted Capital One and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that XXXX had unilaterally contacted them and closed the account claiming it was opened fraudulently. Capital One then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted XXXX and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my Capital One account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, XXXX has still not contacted me nor sent any correspondence.
in XX/XX/2014 XXXX XXXX called me on the XXXX first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with XXXX ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust
I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
THIS IS NOT MY DEBT AND I AM NOT THE PERSON THEY ARE TRYING TO CONTACT.

NCB Management has repeatedly, often daily, called my workplace asking for someone named XXXX, who does not work here. I have told them repeatedly that XXXX does not work here, that I do not know such a person, and that they are calling a workplace and need to stop disrupting my work. However, they have completely ignored my requests for over one month. The repeated harassment is disruptive, infuriating and against the law.
On XX/XX/XXXX18 I opened a Citibank savings account to take advantage of a bonus offer of {$500.00} if you deposit {$50000.00} and keep it in for 60 days. I believe the bonus was to be paid after 90 days. And for arcane reasons I was forced to open a checking account at the same time, but was never told I had to keep some money in it. I was told the {$50000.00} needed to be in the savings account, so that is where it went. I had no intention of using the checking account ( and ordered no checks ), so I left no money in there ( this is what Citibank later used as their reason for denying my {$500.00} bonus ). I had to wait until Citibank did their trial small ACH deposits into my outside bank in order to link the accounts and then make the {$50000.00} deposit, which occurred on XX/XX/XXXX18. The money stayed in until XX/XX/XXXX18 ( more than 60 days ), at which point I confirmed by phone that I was free and clear to take the money. At the 90 day point I called to ask why I had not received the bonus. They said that because I had kept no money in the CHECKING account for 90 days, they had automatically closed it, and by closing it without warning they were then justified in denying the bonus. At every step I would call in and ask if I was doing everything I needed to fulfill my obligations under this bonus offer. I never made a move without calling to be sure it was okay. I was never told I had to keep a tiny amount in the checking account just to keep it active. I even asked when I moved the money into the savings account from the checking if it was okay. Surely if they had just said " keep one dollar in there to keep it active ' I would have. I think Citibank intentionally does this just so they can deny promised bonuses. I believe this because of the attached document that shows endless numbers of other people who have had similar experiences at Citibank ( this is the XXXX 15-page blog post pdf file ). I filed several complaints with Citibank. They would open a case, then a few weeks later send me a letter denying my claim ( letters attached ). I have also attached my statements for the period in question.
On XXXX XXXX XXXX I hired Equifax to care for my credit. I pay {$16.00} monthly for Equifax ID Patrol service, which will continue until they allow a cancellation order on XXXX XXXX, XXXX to go into effect. On XXXX XXXX, I was informed by media reports there company had been hacked. On XXXX XXXX, I tried to contact Equifax, and was directed to go onto a site to see if I was one of the millions who 's identity information had been stolen from them. I was indeed one of the millions who 's identity information had been hacked. After many hours and days of working on notifying my banks, credit card institutions, retirement institutions, putting freezes and identity theft notifications on all my credit et cetera, Equifax has never contacted me by e-mail or otherwise, to notify me of there recent security breach. The very reason I hired Equifax was to protect my most personal and sensitive information. They have unequivocally failed to do this, and are still forcing me to pay for a service that I did not receive.
My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?