WillisBack/dataset-financial-user-claim huggingface dataset:
Mortgage was paid off in 2004 by XXXX XXXX XXXX as I refinanced the loan held by XXXX XXXX an affiliate of JP Morgan. XXXX is now out of business. Bof A shows that the money was sent on closing statement, however Chase Bank never released the lien. I have lost the sell of my property ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I was working with a title company, XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX XXXX have gotten no where with Chase. Chase acknowledges that they can not find any account on me or that I owe them any money. I lost the sale because the closing took too long due to Chase dragging their feet. HELP- IAM A XXXX, I NEED TO SELL THIS PROPERTY!!!
I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response!
I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed
Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.
When trying to get information about the repayment terms of my loan information through Navient it has been very unclear and often inaccurate. My loan was in enrolled in a modified payment plan of interest-only payments until  XXXX  of  2017 . At that time I received a letter stating that the payment was going to change in  XXXX  from {$60.00} to {$230.00}. I started making payments in  XXXX  and waiting for a new schedule of payments that I requested on  XXXX   XXXX ,  2017 . I never received a new schedule and then received an email in  XXXX  stating that my account was past due because my payment had changed to {$310.00}. I then called again to get a schedule of payments and have yet to receive accurate information regarding the repayment plan. Every month the amount due has changed and I have no way of knowing what it will be from month to month. I have tried countless times to get the correct information, however most times that I speak with them the customer service representative ca n't even follow the payments made and what is actually due. Navient 's on website is confusing and not consumer friendly. This is the sort of information that should be available to a borrower through their acccount.
I 've had this company call my work after i 've told them that I cant receive call at work1 I 've even given them my correct number to call me at but they keep on harassing me at work and leaving messages to my coworkers. ic system
I have requested that my Experian credit freeze be lift for a specfic time period twice. The freeze is still in effect. I have attempted to contact Experian by phone XXXX and XXXX. On the phone I do not get a selection to reach the customer service people. Thinking I was calling to early I waited 1 hour, still no option for customer service. Experian has assured me when I placed the lift that my freeze will be lifted and gave me a verification number. The freeze remains on my credit. All the options are circular.
National Credit Systems is reporting a debt owed of {$7700.00} on my XXXX  credit report that is not mine.The name they have on the lease document is not mine, yet they insist on adding it to my credit report, I have disputed this account with both XXXX and XXXX who agreed and deleted the account. I have called and written countless letters to remove this account to no avail. My last option now is to have my lawyer sue both them and XXXX to get this removed.
My XXXX XXXX XXXX credit card ( through XXXX  XXXX   ) had a payment that was late in XX/XX/XXXX and I was called about it in XX/XX/XXXX after it was too late to fix. My address on record was originally incorrect, so I did not recieve mail regarding my credit card or payments.I have since changed my record of address. I was also not sent an email about the payment or the fact that it was late, this was verified for me over the phone. I thought I had paid the complete amount and was unaware of any balance on the card. As soon as I was notified of the problem I paid the card off in full, including the late fees. I spoke with someone on the phone and was told that I was not at fault and to please file a dispute with the company. I am an XXXX XXXX XXXX in XXXX, Alaska. I always make sure that my payments are prompt ; this was an honest mistake that I would not have made had I been notified.
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX, XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 WESTLAKE SERVICE INC XX/XX/18
I mailed all the necessary paperwork off to Transunion to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.
While attempting to look into the Public Service Loan Forgiveness program, I was given advice to consolidate my student loans via Naviant which in turn, made me ineligible for the program.
I have an overdraft on my wellsfargo account that I am disputing. I used to live with my parents when I first started the account and no longer do. Wellsfargo not only repeatedly calls my parents home phone, multiple times a day, but also on one phone call, actually began to speak to my parents about the situation violating my right to privacy by speaking with my mother about my private banking information.
Bank changed closing date to XX/XX/XXXX instead of XX/XX/XXXX with no notification citing the reason of XX/XX/XXXX only having 28 days.
Good Afternoon, The below inquiries were made without my permission and have been affecting my credit score for the past year and a half. 

XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX  XXXX   XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017 I have tried for the last year to have these inquiries removed and have been subjected to a non stop runaround from both the initial inquiry creditors and the credit bureaus. I believe that my ex husband had used my credit information to try and buy a car in XXXX/XX/XX/2017 but was unsuccessful. I have called the creditors and been told to dispute this with my crediting company however Transunion refuses to remove these inquiries without some type of removal letter. When i called the creditors to obtain this letter they informed me it does not exist and they refused to send confirmations for removal to Transunion because they would have to admit fault in a hard inquiry placed without my explicit permission.I just got off the phone with a transunion customer representative AGAIN and their issue is the same. That I can not file a dispute with them to remove these inquiries without written confirmation from the creditors, which they will not give me. 

Please help me, These numerous hard inquiries are ruining my credit and I do not know what else to do. 

Thankyou
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 XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR
XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.
I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send.
This debt isn't mine, this is fraud, someone ordered some stuff and had it shipped using my name ( XXXX XXXX ) I have notified and completed a fraud package and still dealing with this now with a different company. The address the company had on file I never lived at. This is NOT mine / DOESN'T BELONG TO ME.
I Bank with chase and have n't had any problems with them. Loved how many locations they had and was very satisfied with them. Recently I got a phone call from a Kanas # at XXXX and I did n't answer. Then the same # texted me saying they going to deposit XXXX transaction in my account and the first one I need to withdraw and send back to them at a XXXX. I call the number back and told them they have the wrong # and he said are you XXXX XXXX and he told me all my info. Account # s.s # address everything. I told him not to deposit anything in my account and hung up. I get text messages after I hung up say if I do n't return the money have my attorney ready. I checked my account and it 's a tax refund check deposited in my account in the amount of {$1400.00}. The very next morning I called chase at XXXX and I get told my account is restricted and closed. I don'the have access to any of my money. I have rent my car payment and house hold to take care of. I just got paid Friday and they are holding my pay check. I have no gas in my car. I missed work. My son does n't have bus fare to go to school. I have people calling asking when I 'm going to pay my bills. It XXXX as a customer of chase to be treated like a suspect instead of a victim. I thought that was the point of putting your money in the bank to be protected soon as they have to do a little work to help their customer they just freeze and close their account not thinking about what we have to do with our money. I was told they will reevaluate my account after the check returns. At this point I do n't even want their services anymore and I will never recommend them to anyone.
In 2001, I enrolled in XXXX in XXXX, Colorado ( later moved to XXXX, Colorado ) for the XXXX program with XXXX servicing my loan. As you may or may not be aware, XXXX is now closed due to an investigation into fraudulent practices. When it came time to repay my loan with XXXX, I did so as directed. In doing so, I noticed many times that no matter when I made the payment, the next statement would show up showing I owed late fees. I attempted to pay early so that I would n't accrue late fees and still they would show up on the following months statement. Phone calls to XXXX were not helpful, if responsive at all. 
Later, the national recession hit and I got well behind on my loan. So much so that I had a garnishment put on my wages. XXXX, through Pioneer Credit Recovery, started me on what they called a rehabilitation program in order to bring my loans current. I finished the program and believed that my loan was current and that, as ( now ) Navient explained in their correspondence, all negative effects would be removed from my credit. However, apparently the rehabilitation program only affected my Federal loans and did not rehabilitate the past due private loans. These private loans still show as delinquent on my credit report. Navient made no attempt to inform me that the rehabilitation would n't repair my entire account. 
Each month, I pay {$150.00} through automatic payment to Navient. Yet with them still showing that loans are delinquent, my balance never goes down and my credit is in major disrepair.
" Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. " OnXX/XX/XXXXI got a message that my XXXX ( {$99.00} ) was reversed by my bank due to my account not having enough. So okay, that was my fault. But they have options to repaid it. I clicked on XXXX credit card to pay for it. ( I have used it 3 times with no problem on purchase of ETH ) And it 's been exactly 10 days since and my account is still saying. " Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' But credit card are suppose to be instant payment. My three eth purchases were brought immediately. So I do n't understand..It 's been 10 days. I emailed, XXXX, forum, NO response. Update : I received a response on XX/XX/XXXX " XXXX XX/XX/XXXX XXXX Hi there, Im very sorry for the recent transfer difficulty. It looks like our system has been attempting to automatically reconcile an unpaid balance on your account. This happens when your account has withdrawn digital currency that was never successfully paid for. At the moment, a bank transfer issue is preventing us from confirming if this overdraft is resolved. Our engineering team is working to resolve this issue as quickly as possible, and I will get back to you with an update as soon as we have further information on your accounts status. Thank you for your patience as we look into this, and if you have any questions in the meantime please dont hesitate to reply to this email and well be glad to help. '' I have thousands in there and this is insane as I can not access my account! I can not buy or sell my coins. And I can not withdrawn my funds, but I need to sell first. Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card hasn ; t been through?? This is crazy, outrageous, and coinbase is n't replying to me and others in the same boat. Reply to me and fix my account and I will share to XXXX that my account was fix and to not worry. XXXXuse almost everyone is extremely worried right now!!
Desired Settlement : Finish the Job Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card has n't been through?? AND restore my account, allowing me to buy or sell!!!!!!!! Comment : Seriously, it 's crazy..the system is glitched, they do n't know how to fix it. And my coins are still locked that are worth thousands!
I have documentation where I made several attempts to defer a student loan payments. 

I spoke with several representation from the company that inform me what application forms to complete. I did the application process as instructed and response was denied or we need more information. 

Every response was met with diligence and care .. yet I kept being denied. 

The loan was then sent to a creditor the called and harassed me, my son, my father and sister, when I have made all attempts to resolve the issue. 

The name of the company : American Education Services
CitiBank/CitiGroup has instituted a policy that incorporates monitoring and denial of financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity, thereby potentially limiting access to credit by law-abiding citizens based solely on political views. A summary of this policy can be found at XXXX XXXX XXXXXXXX.
I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.
These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX   XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.
Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.
XXXX : Southeast Toyota Finance VT XXXX as Trustee of World Omni XXXX of XXXX Additionally : XXXX XXXX, XXXX XXXX, NJ, sent a notice XX/XX/XXXX We returned our XX/XX/XXXX leased XXXX at the end of our lease on XX/XX/XXXX to XXXX of XXXX. They inspected it, declared it had no damage, and took possession of the car. On XX/XX/XXXX we received a bill from Southeast Toyota Finance claiming that when they inspected the car on XX/XX/XXXX, XXXX days after the car was out of our possession, there was damage in the amount of {$350.00}. 
We have no way of knowing what happened to the car during those XXXX days. 

Background : A week prior to returning the XX/XX/XXXX leased car, I went to the dealership and chose a new XX/XX/XXXX XXXX to lease. A few days later, someone identifying themselves as a XXXX representative called ( my wife got the call ) and said that, as our lease was about to expire, they would like to set up an appointment to inspect the car. My wife explained that we had an appointment with the dealership to return the car and lease a new XXXX in a few days. The person on the phone said that was fine, then, and did not schedule an inspection. 

What followed : For a year and a half, we have been trying to settle this dispute. There have been innumerable phone calls, emails, and letters. We have been shuffled back and forth among the XXXX of XXXX, Southeast Toyota Finance, World Omni XXXX, and now XXXX. We have contacted every person they 've asked us to, which has been a significant number. The number of hours we 've put into this is abhorrent. 

Additional information : Our payment record with Toyota Finance has been perfect, both for the XX/XX/XXXX lease and for the XX/XX/XXXX lease. 

Present : We have done everything we know to do to protect our rights. It 's time for the harassment to stop.
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED