WillisBack/dataset-financial-user-claim huggingface dataset:
I filed countless dispute with XXXX & XXXX, about them reporting XXXX XXXX on my credit report, The account will be deleted and then added back just back & forward. I filed a dispute again in XX/XX/18 and receive a email that the investigation is completed and they verified the account accuracy, so when i call on the phone and gave them the dispute file # XXXX and was told to me the account was deleted, 2 days later I receive an updated credit report stated that the account was verified, so I called back and was told that XXXX sent in verification. I sent out certified letter on XX/XX/18, XX/XX/18 to XXXX, XXXX and XXXX requesting a method of their verification and the name, address and phone number of the one involve in the verification. XXXX and XXXX said that XXXX XXXX verified the account and transmitted the information to them, XXXX sent out a letter to me stating that they no longer have the account it was sold to XXXX XXXXXXXX XXXX. wow ... how is the credit bureau saying that they verified this account through XXXX jeweler ... how are they continue to reporting this account under XXXX name. Credit reporting should be reported accuracy name, account number, dates and correct contact information of the creditor
Chase is currently reporting a charge off credit card on my credit report that I paid off years ago. I have disputed this account with the credit bureaus and with Chase directly and it still has n't been removed. I will attached proof that I paid the collection agency for this account.
I have been a recent victim of identity theft. I sent a 609 Letter to Experian disputing items on my credit report via certified mail. I also demanded that they send me documentation that they used to verify the accounts on my credit. They failed to reinvestigate, and to send me proof of any documentation they used to verify the accounts. I would like the following accounts removed immediately.
XXXX XXXX-XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- sent me a letter stating that my name and address is n't in there system. I would like this to be removed as soon as possible XXXX XXXX
On my credit report it says that I lived in XXXX, AZ. I've never live in Arizona. I'm trying to figure out where this information came from.
XXXX XXXXXXXX Payments:XXXX XXXX/XXXX/2014 THIS  CAR LOAN WAS AN REPO. CAR WAS SENT BACK IN GOOD STANDING BUT IT STILL REMAIN ON MY CREDIT AS CHARGE OFF AFFECTING MY SCORE & FUTURE PURCHASE
I am a potential victim of the Equifax data breach per their website, www.equifaxsecurity2017.com. Equifax has mishandled my personal and credit information, such as my name, social security number, address, birthdate, etc., which puts me at risk for identity theft for the rest of my life as the details released are specific to me and used by every creditor to verify identity and creditworthiness.
Equifax did not act fast enough and waited multiple months to report this data breach, nor did they proactively notify impacted parties, and have stated they do not intend to notify all parties impacted. They are also attempting to capitalize on their own data breach by signing up parties impacted by their negligence up for their ID protection services.
Equifax 's terms and conditions on their ID product is also defrauding individuals by buring language in these conditions that waive the impacted party 's ability to sue Equifax in what appears to be a situation of criminal negligence and fraudulent behavior, especially as evidenced by three Equifax executives selling their stock for millions of dollars immediately after the data breach was discovered, but before it was publicly announced.
I have been a Discover credit card customer for several months. I am currently serving in the XXXX and am stationed in XXXX. Recently there have been many fraudulent charges on my credit card that have raised concern. I have notified Discover several times of the transactions and they have filed disputes on my behalf. While in XXXX, they sent out a new card to the address on file, that I do not live anymore, and has created a problem because somehow there become more fraudulent transactions. As a service member and as an american overseas, I do not have the luxury of being able to call Discover and be on hold for a long time or explain the situation to them completely because my carrier will charge me dollars per minute. One day in XXXX I had enough when I logged into my account and saw it was over the limit and I called not caring about the phone charge. I notified them that i was not in america and they should freeze my account. They then stated that my account is on hold and they would need to call my cellular phone to verify it was me first. Discover has allowed my account to be fraudulently used over and over again even though I have followed the FCRA rules to report on time and have done my best. Discover has now closed my account and has stated that it is due to fraud they feel that I present a risk to do business with, just because I am a service member in the XXXX  serving overseas. My current balance is an outstanding {$4900.00} which is extremely ridiculous because my credit card with them is a simple {$300.00} secured credit card, meaning my balance should never go beyond the {$300.00} that i deposited in the first place.
I have submitted a form to release a cosigner from XXXX of my XXXX Navient private student loans. I have met the requirements listed here, https : //www.navient.com/assets/pdf/Application-to-Request-Release-of-Cosigners.pdf and was denied a release of cosigner because my cosigner, not I, had made the payments. The information that I would have to make the payments was not made available to me. On a following phone conversation I was told it was because my credit did not meet their required standards. I inquired about the required credit minimum and told it was not possible to tell. I was unable to learn the requirements by talking to the Navient representatives. There is no information regarding this available on their website and it was not sent to me.
FedLoan serving has reported late payments of up to 160 days on my student loan account which is currently in good standing. During the time of all the reported late payments, the loan was in forbearance. I contacted the agency to request the information be updated to reflect that there were no late payments ( as no payments were due while in forbearance ), and was told that they could not do so. I then file disputes with all XXXX credit bureaus, at which point the disputes came back stating that the information would be unchanged. These late payments are preventing me from obtaining a first time home buyer loan and are proving extremely detremential to my credit history.
I was shocked when reviewing my credit report and saw a late payment on the date below : XX/XX/2018 I am not sure how this has happened. I believe I made my payments to you when I got my statements. My only thought is that it must have gotten lost in the mail.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I submitted the following complaint last year. I never show an email that stated that there was a need for my response. 

I submitted an application for XXXX  Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application. 

Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?
My husband and I owe Navient/XXXX a total of {$100000.00} for our Private Loans. We also have Federal Loans so we are paying those as well. Over the last year, I have contacted Navient about lowering my monthly bills and they keep refusing to budge. 

We pay {$1300.00} every single month to JUST Navient ( I pay {$810.00} and he pays {$490.00} ). We just had our XXXX XXXX, own our own house, and are trying to pay off our debt but keep overdrafting our bank account due to these high interest loans and high payments. 

I have called periodically to try and lower our payments but they refuse and we are almost out of our allotted deferment time ( one year on each loan ). I put mine on hold for a few months since I was on unpaid XXXX leave and Navient would not consider that Financial Hardship. 

We are both XXXX and our income is only {$4900.00}. Is there any way you could help or send us some advice? {$1300.00} every month to just private loans is too much with a XXXX XXXX, mortgage, cars, and federal loans. 

Thank you
My name is XXXX XXXX XXXX and my mortgage company has recently changed from XXXX XXXX XXXX to PHH Mortgage as of XXXX 2016. I received a mail notification with direct debit payment set-up information early XXXX. I submitted direct debit payment request with a void check from XXXX on XXXX XXXX 2016 and received a confirmation from PHH direct debit solution on XXXX XXXX, 2016 that the payment ( normal monthly payment plus a additional {$500.00} principle ) will be drawn on XX/XX/2016. However, the payment was not drawn on XXXX. XXXX and I was not notified until XXXX. XXXX via mail. Without notification, PHH has already filed a report to the credit bureau which significantly impacted my credit score. I called PHH on XXXX. XXXX and made a payment by phone directly which I was advised the payment went through successfully. I followed up on XXXX XXXX and was notified the payment got rejected for " incorrect account # ''. I was not notified proactively by PHH but had to constantly follow up on the status. I was informed to either submit a payment online or physical check. I did both submission with 1 month payment each, as payment may not go through as expected and to prevent further delay due to PHH systematic errors. The online payment went through though I had to pay a service fee yet the amount of the physical check was not drawn from my account for XXXX days. I called on XXXX XXXX and found out the check was " rejected '' due to the loan was not current. Furthermore I was advised by the collection department that a " foreclosure statement '' has been issued due to the account has over 3 months overdue. I questioned the amount that I submitted online was taken.from my XXXX XXXX account on XXXX XXXX ( submission date XXXX XXXX ). The clerk ( named XXXX ) advised nothing was shown on their system hence I should process phone payment immediately to bring the account to current. I just mailed out another check on XXXX XXXX for 2 months payment of {$2800.00}. In order to prevent overdraft, I had to cancel the check from XXXX XXXX the same day, which cost another {$30.00} fee. I advised the XXXX the account was not working when I attempted to make the payment in XXXX. XXXX advised me the payment should be taken within 24 hours and he will give me a call on XXXX XXXX. XXXX did not give me a call on the XXXX and the payment was not drawn. I called again on XXXX XXXX and finally the " {$2800.00} with {$7.00} service fee '' was pulled from the " incorrect account # '' XXXX XXXX. 

I am totally frustrated with this newly transferred mortgage company PHH. I never had an issue with the previous mortgage companies for the past 2 years since I started the loan process. My credit dropped from over XXXX to XXXX overnight and I was unaware of the issue. I tried to make XXXX payments between XXXX. XXXX to XXXX XXXX, yet XXXX of them were not successful. I emailed PHH for over 50 emails asking for updates but I was not informed in a timely manner. I called PHH and followed up on payment status as the direct debit payment were setup supposedly on XXXX XXXX and re-activated on XXXX XXXX with un-notified cancellation on XXXX. XXXX and XXXX XXXX.
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, Experian and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  AMERICOLLECT  XXXX   XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious AMERICOLLECT  XXXX   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act L itigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX   XXXX  SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Failure by Residential Credit Solutions ( RCS ) to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ) On XXXX XXXX XXXX, we received a Final Escrow Account Disclosure Statement ( Short Year History Statement ) for the reporting period XXXX XXXX through XXXX XXXX. The Final Escrow Account Statement was dated XXXX XXXX XXXX. 

The Final Escrow Disclosure Statement does not reflect our scheduled XXXX XXXX, XXXX payment that was accepted and deposited by RCS on XXXX XXXX XXXX. This payment was processed by RCS before servicing transferred to XXXX XXXX XXXX. 

The correct ending escrow balance is {$2800.00} not/not {$2400.00}. 

Servicing of our loan transferred from RCS to XXXX XXXX XXXX on XXXX XXXX XXXX. RCS transferred an escrow balance of {$2400.00} to XXXX. They failed to transfer the {$430.00} that was accepted and deposited by RCS on XXXX XXXX XXXX. The correct amount of escrow that should have been transferred to XXXX XXXX is {$2800.00}
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Several years ago ( about 2004 ) my sister ( XXXX XXXX of XXXX XXXX XXXX, XXXX, New York ) asked me to assist her with getting an home equity line of credit from Wells Fargo for the amount of {$30000.00}. After saying no for months she convinced me that she was going to lose her home so I reluctantly agreed. The bank pretty much badger me to take something because I could not sign and not benefit. I decided to let them pay only my credit cards and they said that was not enough. Eventually, I decided to accept {$20000.00} which included the payments of my XXXX or XXXX credit cards for a total of {$6000.00} to {$7000.00} and the balance I would use to pay monthly towards the total of {$50000.00} if my sister ran into difficulty paying the bank. I went on vacation and on my return to the airport I got several messages on my cell phone that I should contact the bank regarding the non payment of my mortgage. At the time I was giving my sister {$400.00} per month towards the payment of the {$50000.00}. I called the bank and was told that I had a mortgage. I told them that I do not own a home and they told me that the document I signed was for a mortgage and that I am responsible to pay for my sister 's mortgage and that they wanted to collect. After trying to convince my sister to sell the home and/or get my name off of her property and let us recuperate our credit. She instead, changed her phone number and ceased all communicating with me. I tried to let my mother and siblings intervened on my behalf, but it became problematic for the family, so I took her to court. After three years of court and XXXX courts ruling in my favour in XXXX segments of the trial, via my attorney they ( her attorney, the bank and her ) asked me to stop the case so they could do a modification or re-modification of the mortgage and take my name off of the property documents and I would no longer be responsible and they would write to the credit bureau on my behalf to clear my credit. So, on the advise of my attorney, I signed the paper to allow the court to dismiss the case with prejudice. The property continued to remain on my credit report until I found out recently, while I was trying to qualify for a mortgage to get home of my own, that the modification or re-modification of the mortgage was done with my name still attached and I am still responsible for her mortgage. Now, I am having difficulty even qualifying for a simple personal loan and would like to know how did the bank, her attorney and her manage to have her mortgage modified or re-modified with my name still attached to the property without my consent or my knowledge.
I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-