WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I issued a complaint regarding equip ax having incorrect information on my credit report. They were putting bad credit issues that belonged to a XXXX XXXX, who is not me on my report. XX/XX/XXXX they sent me a letter that they had removed that information and put an extended fraud alert and blocked my file for promotional purposes until XX/XX/XXXX. Yep, it just expired and I 'm already getting creditor calls for a XXXX XXXX! Obviously they never fixed the problem. I understood the problem was XXXX XXXX 's social security number has the last same XXXX digits, but somewhere in the middle it 's different. How do I make Equfax stop reporting false information? Do I need to get my attorney involved? This is pure harassment from them and it 's been going on for years.
XX/XX/2018 Reff. : # XXXX I received a voicemail on XX/XX/2018 from XXXX XXXX informing that she send all requested documents to the CFPB and to my address. Today is XX/XX/2018 and I never received the documents by mail. I left a message to XXXX XXXX to call me back immediately she left the message and i still do not have a return phone call from her. I accessed the information in The CFPB and I can not see the the copies of the evidence of checks on the Account # XXXX. I am still confused on how they got to that amount. 
Once again, I am only requesting evidence of copies of checks with signatures to confirmed all transaction made on this account. 

Thank you, XXXX
I mad a purchase at a XXXX store for about 135.00, return back the next day and attempted to make another purchase for XXXX the transaction never was approved by my bank .... My card kept declining and I had to call customer service who then connected me to the fraud department to verify it was me making the purchase..I did and they tried to override the system for the payment to go through but It never went through on XXXX end. I then found out that a payment I made to the credit card account was returned from my bank and in attempt not to have a negative balance I returned the XXXX purchase that was approved. my account is now showing over the limit by XXXX plus additional fees the credit card company has accessed to it. It's showing over the limit because of the XXXX charge they are stating went through but was declined numerous times at the store.
I signed a loan with XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX, that has since been transferred to Navient. During my initial repayment period, I had no issues with Navient. Since they have " updated '' their website, I do not receive e-statements ( causing me to send late payments ). For the past year I have been XXXX and on automatic deferement. When I ceased to be XXXX, I never received a statement ( paper or email ). The initial contact was from my mother ( she is a cosigner and received mail ). Shortly after I received an email saying I was deliquent. This was in XXXX XXXX. I immediately made arrangements to pay made sure all my prolfile information was updated. To date, I am still not receiving statements, but yet I get non-urgent email regarding change of payment address for the servicer. I also understand they have many consumers and can not indefinitely store previous statement/payment information, but consumers should always have access to the original promissory note they signed for an account, without having to call customer service.
Got an email from XXXX XXXX that a hard inquiry was placed on my XXXX Credit report. It was from XXXX XXXX in XXXX, Florida. Did not recognize the inquiry. Have not applied for a card from XXXX. Date that the inquiry hit my report was XX/XX/18.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, USA
Navient tries make you pay so much interest so that your principle is never paid. They give inconsistent information and each customer representative you speak to gives you different answers. They attempt to make you pay more than half your paycheck and say they can do nothing else, even when you are reaching out to them to make payments. They tie you in and threaten you with lawsuits when you are trying to set up a payment plan. Interests rates are really high and they report to the credit bureau and will not take off Mark 's they made which are incorrect even when your account is currently up to date. Proper loan education or information was not given at the time loans were taken out. Navient makes it so you can pay high payments each month and your loan will still never be done.
XXXX XXXX XXXX sent me to a collection agency called XXXX XXXX XXXX. 
I tried several times to resolve this account issue but every time I try to contact the company no one has any notation of my contact and I just keep getting sent and transferred to different extensions and disconnected. Someone used my credit card information to make purchases Without my authorization. XXXX XXXX then transferred my account to an attorney which threatened to sue me for a total of {$840.00}. I called the company and let them know that I am trying to dispute this debt but in order to stop them from moving forward suing me they said they required me to make payment which I did for {$71.00}. The only reason why I made the payment is because I do not want them to send me to court and further damage my credit. I did tell him that in the into room I will be fighting and disputing The charge account.
So called lender is in direct violation of U.C.C. ARTICLE 3- 3-501 ( b ) 2 ( 1 ) 1. A statement admitting whether you are the holder in due course or whether you are a servicer.

2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.

4. The CUSIP number under which my loan was securitized to.

5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).

) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.
Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.
First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.
I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  XXXX .
I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. 

Now they are not re-issuing the replacement card
It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.
These people have contacted me a second time with no line item invoice which will be required. 

There was a charity account that they should have been paid out of at XXXX XXXX assuming that this is actually from XXXX XXXX. They were notified and I will attach the letter again. 

AT NO TIME DID I VISIT XXXXXXXX XXXX XXXX Everything was done AT THE HOSPITAL Without an accurate invoice and proof of an attempt to collect from the Charity This is a dead issue. 

I am sick to death of medical industry thieves trying to collect double and triple fees and threatening me. 

Show me that they contac5ted the people that said this was covered. 

Again I will state that an itemized invoice is required.
My husband passed away 11 years ago, I took the death certificate into Chase Bank as soon as I received it. I have done this 6 times to date. I have asked Chase Bank to please give me the credit for the payment of this mortgage which I have made for 11 years and have paid them over {$330000.00} to date. They sent me a letter stating that " you are not financially responsible for this loan '' but yet they send a bill to me only and take the payment out of my account which only has my name on it. They refuse to report this mortgage to the credit bureaus and I need this good credit on my reports as my credit is not good ( I have a mentally ill child and the medical bills/treatments caused me to go into debt ). I am a widow, on a fixed income and desperately need this credit yet Chase Bank will not answer my questions ( I asked them WHO is responsible for this loan if it is not me and why do they send ME a statement each month and take it out of MY account ) and continue to refuse to assist me. Nothing would change by Chase doing this, they would still receive their payment ( which has never been late in 11 years ) and all I have asked them to do is put my social security number on the loan and report its good standing to the credit bureaus. They will not do this for me. I asked them the first time I took the death certificate into them if I needed to do anything regarding the mortgage and was told I did not need to do anything. Is there anything I can do about this? Legal action?
This letter is to complain about the ill treatment that I 've received from US Bank when I applied for a refinance of my original home mortgage that I had with them. I was lied to about how much I could refinance my home for. The original loan was a VA loan which guarantees the loan XXXX %. I 'm a service-connected XXXX veteran. I was told by US Bank Rep that the VA only allowed a refinance of only XXXX % of the market value of my home. I thought this was strange so I contacted the VA and they told me that statement was not true. They gave me a link to go and said share it with the lender. The link stated that VA guarantees XXXX % of new purchase and refinance if the veteran is credit worthy. When I mention this to the XXXX at US Bank she then said it was " company policy '' not to lend more than XXXX % of the market value on refinances. Yet, the VA was still guaranteeing XXXX %. I sacrificed my life for OUR country and was injured in the process. Yet, US Bank felt the need to restrict my benefit and hold me down. For what reason??? The only reason I feel this was down is because of my race, gender, marital status, age, and zip code. When the Rep did not change her position on the XXXX % after I reminded her that VA guarantees XXXX %, I realized something was not right. I told her that I no longer desired to do business with US Bank. Then I get a letter in the mail which really angered me. It was from US Bank and it stated that they was denying my request to refinance my home loan due to " Lack of Collateral ''. This made no sense at all. My home is my collateral. Luckily for me, I found a financial institution that refinanced my home loan, a few days ago, at XXXX % and I even received a better interest rate. I did n't have to pay any additional fees either. They only looked at the market value of my home and my ability to repay the loan. They would have also paid for the appraisal if US Bank had not already made me pay for it. And, they honored my service to this country which I 've helped to defend so that they could do business. No one came up with some arbitrary XXXX % to try to exclude me from a benefit that I earned and deserved.
For the past 2-3 years I have tried to resolve this issue. I have a BoA checking account and credit card. I want to automatically make payments to my credit card from my checking account. You ca n't do it as a transfer - which is a set amount only. So if the minimum amount changes to say {$57.00} and your automatic transfer is {$56.00}, they charge you a {$30.00} ( or more ) late fee. If you try to " cancel '' your automatic transfers ( they call that the " plan '' ) they still show as pending for the next month - so say XX/XX/XXXX is scheduled. You cancel that one and XX/XX/XXXX pops up. Then you cancel XX/XX/XXXX and guess what? The only way to cancel those again is to call and spend an hour on the phone. Basically the " cancel the plan '' feature for transfers does not work. 
Now you can submit a written form ( no joke - you mail it in ) to have recurring charges on your checking account to pay your VISA, but then you have no control. You ca n't change it to be " full amount '', you ca n't see that it 's even setup - it 's a blank charge that appears in your checking account as " FIA Card ''. Frankly after 2-3 years I forgot who FIA was. I certainly did n't think it was associated with BoA. You can call and change it, but that too took an hour. 
The third option is to setup a payee of Bank of America Credit card for " Bill Pay '' - the first step in that process is to receive " electronic billing '' from BoA VISA. That takes XXXX days. I do n't want to get an electronic bill, I prefer paper. They assured me I would get both, but I sure do n't believe that will happen. Regardless - after this electronic payee is recognized in 1-2 days I can then setup a recurring monthly payment to my BoA VISA. They told me that would take 1-2 MONTHS. Again, lots of potential for those lovely late fees in this process as my bill is do in 2 days. Now I could live with all of this and say oh well, but I have reported all of these issues 2-3 times over the past 2 years and nothing was ever done, except sometimes they would refund my duplicate payments ( only going back 3 months of course because they only go back 3 months ). It just seems like a deliberate scam to get late fees, either that or absolutely horrible computer designs in which case they should n't be allowed to practice banking.
I 've been waiting days for the bank to update me about a transaction for funds that were never despensed out of a ATM. All they can say is that they have no estimated time frame for the issue to be fixed. Nor do they have any updates. Sounds like they do n't know what they 're doing.
On  XXXX   XXXX  , 2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsibl e, Zwicker and Associates, PA, did n ot notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.  XXXX  indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX
On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my Equifax credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX   account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX. Who also conducted a hard inquiry on my XXXX   account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.