WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/17 my wife XXXX XXXX filed for Chapter XXXX Bankruptcy case number XXXX. The house was listed on the schedules as she is on title and has to list any properties she owns. She and myself are on title. She is not on the mortgage. My loan is with Chase. Loan number XXXX. Chase has now stopped reporting my account to the 3 credit bureaus as they state I am in bankruptcy. This is affecting me because I can not reaffirm the debt as I am not the one who filed for bankruptcy. My wife can not reaffirm the debt because she is not on the mortgage loan. I called Chase to inquire about this and they said my wife needs to sign a reaffirmation agreement. I explained to them she is not responsible for the debt she is only on title. The reaffirmation is only for the person on the debt that filed bankruptcy. I can not reaffirm the debt either because I have not filed bankruptcy. My wife has asked her XXXX XXXX   and she has advised her that Chase should be reporting the account as current because it is not her debt and I have not filed for bankruptcy.
On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''
I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late.
A certified letter was sent to AAS Debt recovery Inc for debt validation. I requested the following information from this debt collector .Name and Address of Alleged Creditor, Alleged Debtor, Alleged account number, date the alleged debt became payable, amount of alleged debt, date of original charge or delinquency and contract of debt. This collection agency has not sent me anything to validate this debt. I am demanding this account be removed from my credit report as it is damaging my credit worthiness.
After I submitted a dispute with Experian, and they investigated, as is my right under FCRA rules, on XX/XX/XXXX, I requested information on the investigation itself : Please see attached letter from me to Experian for details. They ignored my request. So on XX/XX/XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
XXXX said they will contact the XXXX  they want a police report they don't believe me. I sent all documents and they keep scaring me they said they are removing it they don't care if I owe it or not I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.
I signed up for auto insurance for 1 vehicle and when the bill for that month was not what I was qouted and actually astronomically higher I cancelled with them. The amount i was qouted was around 120 dollars a month so i paid the XXXX. They charged me XXXX for one month because someone entered it wrong in their system and I refuse to pay XXXX for 1 month of auto insurance.
On XXXX/XXXX/2016 I made a monthly loan payment using phone system per Ocwen phone menu prompts On XXXX/XXXX/2016 I received an email that payment has been received But on XXXX/XXXX/2016 I received a letter saying that the payment was reversed due to no account found and ocwen added about {$160.00} as late and return payment charge. I have been using same account to pay ocwen. Had I not received a confirmation that your payment has been received from ocwen on XXXX/XXXX/2016 I would have contacted ocwen and made a payment. Providing inaccurate information via email and then assessing and demanding late payment is not a fair business practice. 

I made a payment already on XXXX/XXXX/2016 in the amount of XXXX instead of XXXX ( XXXX dollars more ) please credit this extra amount and please work on improving you system so that customers do n't get charged late payment and compromise their credit history too. 

Thank you
XXXX   and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically.  XXXX   XXXX  is the collection agency and the original creditor is   XXXX   XXXX   for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
In XXXX I lost my job and had to relocate to a new state to find employment. I put my Delaware condo on the market but it failed to sell. I found a renter but the renter asked to break the contract after only 3 months. I put the condo back on the market, and again it failed to sell. In total I had the condo on the market for over a year with barely any interest from potential buyers. 
In late XXXX I found a new renter. I then began the process of requesting loan assistance from Bank of America. On the application, I selected " Undecided '' to the question " I want to a ) keep the property b ) vacate the property c ) sell the property d ) undecided. '' I have been unable to get through the application process because Bank of America 's underwriter apparently believes that I am a business owner, when in fact I am not. Several years ago my investment advisor got me to invest in a XXXX XXXX XXXX, XXXX. This is an investment fund that provides financing for construction equipment, industrial materials, and the like. Investors receive interest payments on money that the fund loans to businesses. XXXX I receive an IRS Schedule XXXX ( Form XXXX XXXX each year. 
Bank of America has demanded that I provide business tax returns such as an IRS Form XXXX. They insist that I am an owner of the business and that I must provide this information. They have also asked for details such as the XXXX salary, profit and loss statements, and more. This is not information that I can obtain. XXXX and the only information that I can get is on the Schedule XXXX. 
I have provided the XXXX numerous times, and I have submitted many letters explaining the situation. I have offered to have my investment advisor contact Bank XXXX. I also reached out to XXXX and asked if they can provide any help. This has all been to no avail. Each time, the underwriter responds that I must submit business tax returns. This is not possible since no such documents exist, and XXXX declined to provide any information other than the XXXX. 
Yesterday XXXX of Bank of America 's representatives told me that since I am not able to provide this non-existent documentation, I can not continue with loan assistance. I also found out that even though I marked " undecided '' on the application as to what I wish to do with the condo, I had been assigned to the Loan Modification department, and will have to begin the process anew if I decide to pursue a short sale or a deed in lieu of foreclosure. I do n't understand how " undecided '' means " please decide for me. '' Today I reached out to Bank of America 's via XXXX and XXXX, and I received multiple responses that were nothing more than rehashes of the underwriter 's incorrect statements and requests for documentation that does n't exist. 
I am close to defaulting on the loan because even with a renter I ca n't cover the cost of maintaining the condo. This is about to break me financially.
I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX
This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.
i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them
Equifax mailed me Dispute Results of their Reinvestigation on XX/XX/2018, Confirmation # XXXX, showing that the following two former addresses numbered in parentheses as ( 1 ) and ( 2 ) has been deleted from my credit file due to them being MIXED. ( 1 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. ( 2 ) XXXX XXXX XXXX, XXXX, OH XXXX. The two former addresses mentioned and numbered above are still showing on my credit report. I have included with this complaint an uploaded PDF titled equifax dispute results of the Reinvestigation Equifax sent to me by USPS on XX/XX/2018 with Confirmation Number : XXXX, showing as proof that Equifax claimed to have deleted the two addresses even though they are still being reported on my consumer file.
I have tried to reach out to TransUnion credit bureau since XXXX 2015 to inform them of the fraudulent and in accurate data they are reporting in the case/report number referenced above. To date it has been almost 6 months and I cant tell you what is going on .... all I know is that I have filed a identity case with the FTC and I have submitted a police report to them but I have not heard back and the XXXX accounts are still on my credit. 
This is a nightmare for me. The XXXX accounts that I do not recognize/that were not originated by me are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Navient has private interest rates on my loans set for 13.25 % I have almost {$50000.00} in private loans, its been at this high interest rate since I graduated. They tell me, they don't set the interest rates, there is nothing they can do. This company is a virus, they make it so you can only pay interest and nothing happens to the balance. I have tried everything with them but my credit score is too low to refinance with another company and I can't find a co-signer that works either. I have been out of school for 6 years, I have a good paying job I am an XXXX - what they are doing is criminal.
XXXX was the lady who set up my flex loan and payday loan. I had only met her through lending relations. I had been making payments promptly as required. I work full-time at a similar company and as needed at XXXX XXXX. I work at XXXX XXXX usually around the busy holidays and special events such as graduations. XXXX XXXX XXXX weekend I worked Friday evening, Saturday night, and all day that Sunday. I was confronted by XXXX 's husband XXXX. XXXX is the Cash Express employee who processed my loans. XXXX 's husband, XXXX, works in the XXXX at XXXX XXXX. I rarely see or speak to him even when I am working due to his position. However, XXXX XXXX XXXX weekend when I worked he approached me saying, " I did n't know you knew my wife? '' I asked who his wife was and how I 'd know her. XXXX stated, " You owe my girl money! '' I laughed and told him to shut up. He stated, " I 'm serious. '' I asked how I owed his wife money. He said " My wife is the XXXX woman at Cash Express. '' I told him I did n't owe them anything. He said, " Oh, you must have paid them off. '' I told XXXX to leave me alone and walked off. He laughed and said, " We all broke around here ''. After XXXX XXXX XXXX weekend, that following Monday, I was due for my payments at Cash Express. I  received two calls from the XXXX XXXX XXXX location but I did n't answer. The calls persisted for 2-3 days. I assumed they deposited the check and it returned back to them. I received a call from a different number that was n't one of their store numbers ; maybe a personal number. XXXX stated her name and I told her I was going to do a Debt Consolidation to pay the two accounts with them off and that I did n't want any communication with her after the call. She stated her company does n't work with payday consolidation companies, I said okay. She said she will be taking me to court and hung up. I was never going to make a complaint on anyone or the company itself, but when she verbally threatened to take me to court and now I 've received court papers, I have no choice. My privacy was invaded and personal information was given to someone that should 've never known about it. I know the lending laws and I do not approve of how she shared customer information with her husband regardless of him working at a job I work at here and there. I am very distraught about the whole situation and having to report a business for something that should 've never gotten out of hand!
On XX/XX/2017 Portfolio Recovery Associates illegally reported a debt to the credit bureaus for the second time that they had known knowledge from my prior correspondence to them that this debt was known by the original creditor XXXX XXXX to not be my debt. Portfolio Recovery Associates continues to attempt to collect this debt violating my rights under the FCRA. This company company continues to illegally practice illegal business practices and causing me undue hardship. I request that they immediate cease and desist reporting fraudulent accounts against my person and reporting such information to the credit bureaus. Furthermore, this illegal debt was purchased from a third party with fraudulent information against my person and Portfolio Recovery should immediately destroy the information that is illegally reporting against my person, and not sell the debt to another third party. In addition, I have attached a letter from the original credit regarding this debt and how it was to be removed from all credit reporting agencies.
After filing a complaint against FIFTH THIRD BANK I received a letter from the office of president by the name of XXXX XXXX dated XX/XX/XXXX stating that the information that was reported to a company called XXXX XXXX, and XXXX XXXX XXXX was removed. After verifying with XXXX XXXX on XX/XX/XXXX.  I am still in the system and the issue has NOT been resolved. I have contacted XXXX XXXX as stated twice and left a voicemail i have NOT received a callback and I have let the receptionist know that since she has not returned my calls I will be filing another complaint against her for lying and stated she has removed me from the reporting consumer XXXX XXXX.
XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.
Called credit card company and advised of fraudulent charge of {$190.00} dated XX/XX/XXXX. Company refused to do anything including wouldn't issue new credit card.
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
I appilied for a loan, a credit report was provided to the creditor from Transunion they gave me a score of XXXX as a result of this low score I was denied credit. I asked for a copy of my report. I saw only one negative report that was a Bankruptcy discharged in XXXX, All my other account are in good standing All payed as agreed. I have not been treated fair by Trasunion. I asked one of my creditors for an increase one my Visa and it was approved I asked for my score it was XXXX from XXXX XXXX XXXX. Why the big differnce in the scores. The date were XX/XX/XXXX for trasunion.
Midland Funding keeps contacting me by phone constantly and mail after being told not too clearly breaking credit collection laws. Also the balances the are collection are illegally inflated.
I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??
On  X/X/17   , I paid for a meal at the restaurant,   XXXX   XXXX  , in the amount of {$790.00} located in the  XXXX   XXXX ,  XXXX   XXXX . I specifically used the   XXXX   XXXX   XXXX    American Express  card to pay for this meal based on its  10X M embership Rewards for restaurant purchases. When I received my statement, I learned that the charge was coded as " lodging '' instead of " restaurant '' and so I did not receive my anticipated bonus Membership Rewards,  10X  the amount of the charge, from  American Express,  but instead just the  1X M embership Rewards.     I called  American Express in  an attempt to amicably resolve the Membership Rewards discrepancy and was prepared to furnish copies of the restaurant receipt to verify that it was a restaurant charge and not a lodging charge. I was informed by  American Express  that they will be unable to correct the discrepancy and therefore I would not receive the bonus Membership Rewards because the restaurant,   XXXX   XXXX  , coded the charge as lodging. I was also told it was my responsibility to verify with the restaurant beforehand that the charge would code properly under the restaurant category on my credit card statement. This prerequisite is not listed under their   XXXX   XXXX   XXXX   Membership Rewards promotional terms.