WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, someone fraudulently used my identification to open an account at XXXX XXXXSYNCH which is serviced by XXXX XXXX. I did n't know this had been done until I received a letter from XXXX XXXX stating this account was 60 days past due and was getting ready to go to collections. I contacted XXXX to tell them this was not my account. The manager I spoke with at this time took my statement and told me it would be handled by the Fraud Dept. He also said that it would be in my best interest to pay the minimum due each month, {$84.00}. because if the investigation was not resolved in my favor I would not have to pay monies due back all at once. I set up for {$84.00} to be automatically deducted from my checking account starting in XXXX to pay in account XXXX. 

I received a letter in XXXX XXXX, stating that the investigation was completed and the claim had been resolved in my favor. 

In XXXX XXXX, I called XXXX XXXX to see what I needed to do to be reimbursed the monies I payed on this account. I was told I had to send them all documents showing where I payed on this account. I was told I could mail and/or fax the documents to them. They gave me their address ( ATTN : Payments-XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ) and fax number ( XXXX ). I was told it would take 30-40 days from the date they received the documents before I would receive my refund. In XXXX XXXX, I mailed and faxed every bank statement and billing statement that showed where I had payed on this account. 

At the end of the 40 days, XXXX XXXX, I had n't heard from XXXX XXXX so I started calling. From XXXX to XXXX XXXX I have been calling and continuously got transferred from customer service to the fraud dept to investigation dept and resolution dept. 

In XXXX XXXX, I called XXXX XXXX again to check on the status of my reimbursement. I spoke to another manager. She told me I should wait another 15 days to hear something from them. If I do n't receive anything then maybe I should mail or fax the documents again. I told her I was not going to fax or mail anything again because I would have to wait another 30-40 days from the receipt of the newly send document for a responses. Plus I told her it cost me {$60.00} to fax the documents the first time. I asked her if she, the manager in the Fraud Dept, could reach out to the dept where the reimbursement is supposed to come from to check the status. She told me she could n't that dept could only be reached by mail. I 'm at my wits end at this point. Each and every time I have called XXXX I 'm transferred from one dept to another and back to the first one I called again having to begin at the beginning explaining everything all over again to each person I 'm transferred to.This has been going on from XXXX to XXXX XXXX.
I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation.
The school financial advisor told us ( me and my parent ) that the loan we were agreeing to was private but explained it as though it had the same terms as a federal loan. Repayment started as I was in school and the payments were graduated. After the payments got too high I tried to apply for different payment options, but was told that because of the type of loan I signed, I could n't qualify for different payment options. I paid for XXXX, {$50.00} forbearances ( the limit for the life line of the loan ). The loan defaulted almost 20 payments ago. Although the loan defaulted, my parent has been making $ XXXX/mo interest only payments on the loan. She 's made XXXX payments. The loan servicer told her that after 24 payments they would evaluate the loan and determine if it could come out of default. I told her they were lying bc she did n't get it in writing. When I call to speak with them about a recovery plan they tell me there is n't one. I want to catch up on the payments, but I ca n't afford to at this point. I honestly do n't believe that they want it paid off because they wo n't work with us at all. I 'm currently saving in order to offer a settlement amount, but it 's going to take me many more months before I can save enough and the interest on the loan will continue to grow.
On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.
Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.
My card was used in XXXX different locations in the U.S, XXXX, XXXX, none of witch is mine location ( address ) I live in XXXX, XXXX. And the card was always in my possession, the card was used 4 x. I discovered when tried to use it at XXXX, this card is a cash card, I received my payroll in it weekly, that 's how I knew exactly how much I had available. I Called Amex and they told me they were going to investigate, when I called the charges was still pending and they said I had to wait for the charges to go through for them to file a complaint. When I called back only XXXX charges had gone through and XXXX had dropped, they told me to wait for they investigating team to look at it. Well for some appalling reason they decided that I was at fault violating the serve aggrement section : XXXX, and closed my account. I called them asking for an explanation and they gave me no answer! Only that that 's what their investigating team had found. I told them they could never had found that! I have no connection with anyone or anything in the locations of the purchases, a purchase of pizza in XXXX ( um ... I am XXXX ) and a payment of some air talk phone ( my cell phone is XXXX ) nothing relates to me in any shape or form, the total is {$120.00} every bit of it of my hard worked money, given away to some XXXX and Amex serve.
I have tried numerous time to have this information remove from my credit report trans union, XXXX, and XXXX have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX XXXX as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way
I was Denied Credit by XXXX XXXX XXXX, based on an EQUIFAX Credit Report I am in XXXX But have a US Phone Number XXXX I have contacted Equifax MULTIPLE TIMES requesting a copy of my credit Report, as required by Federal Law : The Fair Credit Reporting Act. 
EQUIFAX Continues to send me NON RESPONSIVE messages rather than Providing my Credit Report. Normal mail takes 5 1/2 weeks to arrive, therefore I have requested that my credit report be E-Mailed to me at XXXXXXXXXXXX. 

I have Provided them Every Piece of Verification Information Required to establish my Identity, Including my US Passport, My Current Philippine Drivers License ( Showing my Address ), A billing statement from XXXX, showing my address and Letter from XXXX showing Denial of Credit My contact info is as follows : US Phone in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX XXXX Sound is not good on Cell. 
XXXX : XXXX Email XXXXXXXXXXXX XXXX XXXX : XXXX XXXX
I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
XXXX XXXX " pre-legal division '' called my brother and left a message stating they are investigating me and asked him to have me call them back. they left an account number with the last four of my social at the end of the account number. I called them back and a lady told me I stole money from a payday loan company. When I asked her to stop contacting my relatives and friends she told me they were going to continue. When I asked her to cease and desist, and asked for a written letter explaining who they are with a correspondence address, she told me that I better carry two forms of ID because I was going to be served with court papers concerning this debt. The lady hung up on me. When I called her back, I asked if XXXX XXXX owned this alleged debt or if her company did. She said the original creditor still owned the alleged debt and that she represented a collection agency. I told her that she was providing false information by stating they would be filing a lawsuit against me, since her company does not have standing. The lady then called me a thief several times and a liar. I stated several times that they cease and desist and this lady hung up on me again.
Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report
Multiple claims were filed due to fraudulent activity on my debit/atm card. The claims were denied without being provided any documentation. I filed a claim for XXXX but the representative entered it as XXXX. This is a clear disregard as to the initial claim. I contacted b of a XXXX XXXX XXXX additional times with no response at all. I have not been contacted by any claim specialist and my claim is not even showing in their system.
In 2012 I had a family emergency and applied for a payday loan I heard the advertisement on the radio with the company Cash Call. After providing my personal information I was approved for {$2600.00}. I was in distress and had limited alternatives and at the time I did not fully understand the terms and ultimately was not able to repay the loan as Cash Call terms required. Turns out the loan was interest only throughout the term of the loan and required me to pay very high interest rate over the term of the loan for many years without any reduction in the principal loan balance. The high interest rate of 90 %, was oppressive loan terms, protracted repayment time made it impossible to pay. Cash Call radio advertisement misled me and I was victimized and setup to default. The outstanding principal balance is barely reduced and they continued to add late fees, and insufficient fund charges. After I fell behind in payments Cash Call began coercive collection calls to me demanding payment. 

Cash Call made frequent and repeated harassing telephone calls to me, my place of employment, multiple times a day, for days or weeks in a row, demanding payment. Cash Call used aggressive tactics, including abusive tone and language, harassing tone and language. 

Cash Call reported this loan to the credit bureaus and with my inability to repay the loan at an interest rate of 90 % it has impacted my credit and it is reflected in Background Checks that continues to negatively impact my ability to gain employment leading to another obstacle impacting my ability to repay.
I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.
XXXX XXXX XXXX IN XXXX ALIKE THE PERSON I GET CALLS FROM FIRST NAME BASES ONLY HER NAME IS XXXX THEY CALLED ME AT WORK MULTIPLE TIMES I ASKED THEM NOT TO CALL ME AND WORK AND THEY CONTINUE. THEY ALSO SAME DAY THEYOU CALL ME AT WORK AND THAN CALL ME ON MY CELL PHONE 3 TO 4 TIMES A DAY. I SENT A LETTER TO THEM FOR THEM NOT TO CONTACT, EMAIL AT MY JOB AND ON MY PHONE AND THEY CONTINUE TO DO SO. TODAY XXXX/XXXX/XXXX I TALK TO XXXX SHE SAID SHE IS A DEBT COLLECTOR AND THAT SHE CAN call ME 6 TIMES IN ONE DAY AND THAT IT 'S THE LAW. And that she has been a debt collector for 20 years. I told XXXX THAT CALL ME 6 TIMES A DAY IS HARASSMENT. SHE SAID IT 'S NOT AND THAT SHE WILL CONTINUE TO CALL AS SHE PLEASES
I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.
I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. 
they have a sale date for XX/XX/2018 at XXXX XXXX  and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. 
XXXX from shellpoint called on XXXX of this year treating me that she can foreclosure in the house any time she wants to this is very scary for me and my family all i am asking to postpone the sale for another month until I find a solution to my financial situation .... it is already cold in XXXX I can not be on the streets with my children they refused to help me
I have a huge complant against this company ... .They allow delarship to sell cars that arent any good ... .i bought a XXXX BMW XXXX it has given me nothing but problems ... i spent over XXXX dollars getting the car fixed the first month of getting it ... the dealership refused to help pay and credit acceptance refused to credit my account for this ... since then within the lasts year over XXXX dollars have been spent fixing this car ... thats a WHOLE new car..my only resolution for this company is that im asking them to lower my pay off amount to XXXX to pay this vehicle off so i can be atleast see some of my omoney back ... i was unable to pay bills trying to get my car fixed being that i needed my car to get me back and forward to work.. i had to hustle other small jobs to help get this car fixed ... i do have copies of all the reciepts of how much was payed and credit acceptance refused to drop even XXXX dollars please hlep me with this ... this would help me sooooo much or we can settle we the past due amount im willing to do whatever to pay this car off this week.
I have been in conversation with both XXXX Bank and Transunion and have requested my mortgage accounts with XXXX Bank be reported. XXXX Bank has been working for almost 2 years trying to correct this and Transunion refuses to add my two accounts with XXXX Bank to my credit report. They continue to tell me to contact XXXX Bank which I have done many times. I would like assistance from you to have Transunion correctly report my two accounts with XXXX Bank to my Transunion Credit report.
I have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.
Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Chase Bank is already aware that this is a deceased account, they are still reporting me as an authorized user on a closed cardmember 's deceased account. I am not responsible for repayment.
I have called them over 10 times to find out what the debt is about. No return calls. Went on the website and sent 3 emails. No return email. I ended up going to see them and asked if they could provide any documentation so I could research the debt. All they could tell me is that it was a medical debt in excess of {$200.00}. They also said it was in 2015. I called XXXX ( my previous insurance company ) and they  could n't give me any medial bill for {$200.00}. 

I went back in the office again and asked for more information again as I believe the debt was paid in full. They refused to give me anything other than an extension to try and dig up my bank statements. I tried to explain I do n't even know what I 'm looking for or who it was paid to. 

Now they are suing me for this. I believe this is total extortion and I well be in court for it. They need to legally provide me documentarian so I can research and defend my case. This company makes it hard so that they can take you to court and double or triple the fees.
Experian was clearly told on an account that it's a business account open 'd under tax id, still they continue to report to personal credit profile