WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and stalking over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and stalking reached an all time high and I became XXXX XXXX  unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an Equifax report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
During recession had to file bankruptcy on home loans with XXXX and XXXX. After year bankruptcy was discharged bank of America sent me paper work claiming they bought my mortgage loan. Due to their fraudulent claim aginst me and apperently others they were involved in a class action lawsuit, of which I received a settlement check. After currently checking my credit report, they still seem to be fraudulently claiming I had a home loan with them, which I never have or will. Wondering how they can lose lawsuit and still say something that 's not or ever was true.
Last XXXX XXXX I applied for a credit line to cover some XXXX at my XXXX office ( in one of their computers! ) I got approved with 'CareCredit ' from Synchrony Bank . 
I used the line of credit on the same day that I was approved, they offer me a promotional with 'no interest for 12 months ' the transaction was made on XXXX/XXXX/XXXX, but the due date on the card was/is for the XXXX of each month. 

I did not made any connection to it, until the month when I sent my last payment - which it should have been XXXX/XXXX/XXXX ( as it was stated on the 12 month promo ) but to my surprise and disbelief the promo expiration date turned out to be set for XXXX/XXXX/XXXX!! - Not the transaction date and not my due date ... now 'Synchrony Bank ' has charged me accrued interest from the transaction date to " their made up due date '' at a whopping 26.99 % interest rate ; they now want a total of {$540.00} more dollars from me. 

Had I known that they do in this a consistent basis just to trap people into paying whatever interest rate they decide, I would have use any of my low interest cards. 

Angry and sad in TX.
Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.
I had a credit card with Chase Bank for 1.5 years. I made a payment with the Chase App and missed 1 digit of checking account and within 30 days, without notice they cancelled my Chase charge card.

I later find out the error, and called Chase bank. The customer service representative checked my account status and payment history and were surprised that they cancelled my card without notice, or even at all. I usually made {$750.00} to {$1500.00} payments each month!

I needed this card for my employment which required me to make purchases for which I was later reimbursed.

The Chase customer service representative promised me on the phone that if I would make {$270.00} payments for 2 months, she would issue me a new card and not report the card to the Credit Bureaus.

I paid as promised keeping my part of our agreement, but did not receive a new card.

Chase also has sent this balance out for collections and??? charged off the account???

I have made numerous calls and visits in person to Chase Bank to clear this up, to no avail.

Chase did not keep their verbal agreement with me on any points : 1. Did not send me a new card, as agreed, ( the phone conversation was recorded by Chase ), 2. Chase charged off the account, 3. Chase also sent the balance out to collections, 4. Also, Chase reported the card to all 3 Credit Bureaus, 5. And greatly damaged my Credit Score, from XXXX  down to XXXX!!!

6. Since 2008 I have worked diligently to improve my credit score, and then this happens.

Solution : I want my card re-activated, so I can pay my balance directly to Chase, have a new card issued, and have Chase remove the negative reports to the 3 Credit Bureaus.
I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.
I have been a Chase Bank customer for many years and had a checking and pre-paid card with them. In 2014 I called Chase Bank to file a dispute on a fraudulent transaction on my pre-paid card and all my accounts were unexpectedly with no explanations. I reached a Chase representative in the overseas area, and that representative closed all my accounts without advising me that all my accounts were being closed or why, and placed a remark as " excessive claims/disputes '', which I was only notified after contacting Chase by phone. I never had excessive claims or disputes on any of my accounts. Today I contacted Chase Bank to determine how to correct this error and remove this remark, but got nothing accomplished.
Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants,  attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.
Consumer Portfolio Services. The interest charges does not match what they say it is. It is only corrected when I call every month. If no one calls about it they will take your money without a doubt. Rude customer service. Total rip offs!
My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days
I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.
My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
I have received several phone calls in from Convergent regarding a debt that they are n't suppose to be collecting upon. This debt was due to ID Fraud. XX/XX/2015 I sent XXXX a FTC Affidavit and a police report which I have attached to this report. I am not responsible for this debt and I would like convergent to stop trying to collect on it and they have also made an inquiry into my credit report which they had absolutely no authorization to do such.
This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.
In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. 
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. 
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same
I paid a contractor {$550.00} with check # XXXX and he cashed this check on XXXX XXXX, XXXX. This person then redeposited the check on XXXX XXXX, XXXX, by changing the date to XX/XX/XXXX and Wells Fargo accepted it. I reported this theft on Monday, XXXX XXXX, XXXX and not a single person at Wells Fargo has been able to recover this money for me. 
I need someone to please help me with recovering this money stolen from me.
I joined the XXXX XXXX XXXX. When I cancelled my contract with the company due to moving, I had to mail in proof that I moved out or the XXXX mile radius of their corporation. I did so, but almost a year later they contacted me to inform me they would only accept XXXX of my documents even after proof of relocation. I talked to a representative and they stated I would still have to pay the full amount after XXXX of my documents was valid, although their contract stated XXXX of the type of forms that I submitted.
In  XXXX   XXXX  I lost my  Chase Bank`s  debit card. When I noticed the lose of my debit card I checked my internet banking and there were several unauthorized transactions. I called Chase Bank immediately on  XXXX   XXXX ,  XXXX  and informed that my debit card was lost and disputed all unauthorized debit card transactions with them. Chase Bank opened a claim regarding that issue. After that they issued temporary credits. Thing that surprised me that they forgot to apply full temporary credit at the beginning for all unauthorized transactions. I called them several times and only after that they put a credit for all unauthorized transactions.   After they send me some documents which I signed and send them back.   On  XXXX   XXXX  and on  XXXX   XXXX  Chase Bank reversed back all credits and denied my claim without providing me any explanation and any proof of their investigation.   I contacted them several times and requested from them written proofs of investigation but they refused to re investigate and honor my claim without providing me any grounds and documents in regards of declining my claim. It is terrifying that on  XXXX  century is not safe to keep your money in a bank and you are not fully protected even there are some laws stating that you are not liable for any unauthorized transactions. As an example Chase Bank was not able to protect my money and did not investigate the issue to help me recover my lose.   On  XXXX / XXXX / XXXX  I am submitting official request thru Consumer Financial Protection Bureau because I want to make sure that this notice will go to the Chase Bank as I noticed that all my documents regarding my claim was disappeared and I want credit for all unauthorized transactions.     Please see attached documents supporting my claim.     P.S. On  XXXX   XXXX  I have changed my first and last name.   My old first name was  XXXX  last name was  XXXX   XXXX  new first name is  XXXX  last name is  XXXX
In XXXX I had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.
Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
To Whom It May Concern : On XXXX/XXXX/XXXX my loan was transferred from XXXX XXXX to SLS as the new servicer, although XXXX XXXX still retains the rights to the loan. I continued to make my payments and have never missed a payment. I have attached cancelled checks to verify this being the case. On XXXX XXXX XXXX I was notified that a XXXX day late was filed by SLS onto my credit report, I called and talked to XXXX who found that they had misapplied my XXXX payment to my escrow account even though my account is impounded. She stated she could have this immediately corrected and filed a ticket to have this reversed. She assured me in would be completed no later than the XXXX of XXXX. On XXXX XXXX, I called back to SLS and was told by XXXX that the ticket had been completed and I would see a correction on my credit report on the XXXX XXXX, XXXX reporting. I explained to her this was not acceptable that I was in the process of trying to obtain a loan and that this erroneous late has now caused me harm. I asked her to have this corrected immediately. I was then contacted by the Office of the President who apparently handles complaints. I was told that they would send out a Mortgage Verification confirming that this had been corrected. On XXXX XXXX XXXX I received the Mortgage Verification that clearly shows me having a XXXX day late. This needs to be reversed immediately and SLS needs to assure me with written verification that this has been corrected. My credit score has plummeted by more than XXXX points and it has now caused me to be turned down for financing with my business. This has caused me irreparable harm and this company needs to be held accountable for their actions and failure to correct their errors. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Loan # XXXX
Please contact me Brooks Brothers fraudulently let someone get a credit card in my name and allowed the limit to get overdrawn and to become derogatory/delinquent. Please let me know what can be done as I have made a telephone complaint to you all ( C.F.P.B. ) and have called Brooks Brothers and Citibank, who is the creditor for Brooks Brothers ( both ) to rectify this issue. It is affecting my lending opportunities, credit, and my current interest rates. Please help me as soon as possible. Below is my credit history ( according XXXX who switched to XXXX ) since XXXX of this year. 

Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Inquiry XXXX/XXXX/16 XXXX A potential creditor or employer reported that they pulled a copy of your credit file beca ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Account XXXX/XXXX/16 XXXX XXXX A lender reported that a new account opened in your name New Inquiry XXXX/XXXX/16 CITICARDS-BROOKS BROTHER A potential creditor or employer reported that they pulled a copy of your credit file beca ...
I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.
Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.