WillisBack/dataset-financial-user-claim huggingface dataset:
For the past several years, I have been paying Chase Mortgage bi-weekly mortgage payments ( ie $  XXXX  $  XXXX  {$500.00}  ) . However, in  XXXX   XXXX  I went to a local branch to pay my bi-weekly payment and was advised at that time that my account was locked and they could not process my payment. After speaking with teller and branch  manager at local Chase, a ll I was given was an  XXXX  number to call. After several attempts at calling the  XXXX  number, I was finally able to reach someone who advised me that my account was 120 days late. While they acknowledged that there were bi-weekly payments, it appeared they were not posted correctly. In my own admittance, I  may  have fallen behind due to divorce/court battle, but never 120 days past due. After several weeks of calls and messages, there was no resolution. In early  XXXX   XXXX , I agreed to  XXXX  bi-weekly FULL mortgage payments -- - the first payment to be applied to my regular monthly payment and my second to be applied to the 'late ' payment that they were showing. Since  XXXX   XXXX  I have mad e eight ( 8 ) FULL mo rtgage payments. However over the last several weeks, I was made aware th at Chase  is not only still reporting me 90 days past due, they are not applying my payments as previously agreed to. I was informed that part of the reason why was because I am not " specific '' on how I want my payments disbursed. After learning this, I specifically tell the branch teller " specifically '' how I want the payment posted. I learned this past week that I am not allowed to do this. I have been on the phone with escalations for the pas t 4 weeks and every time am told I would get a letter within 2 business days and a call within 24  hours. This has NEVER happened. I agreed to make double payments in an attempt for my  XXXX ,  XXXX ,  XXXX  and  XXXX  payments to be posted in full and on time ; and the extra payment made each month to be posted to what  Chase was claiming was late. This has not happened. Only to learn that the Chase representative was not allowed to tell me such a thing as they can not post payments that way. I am desperately trying to get pre-approved for a new loan in order to sell my house and move. Chase reporting is making it impossible for me to even get pre-approved for a small loan ( under {$100000.00} ) and thus making it impossible for me to move. I have done every single thing Chase  has advised me to do. I have called every single week for the past  4 weeks and been on the phone for close to 2 hours each time with absolutely no resolution. Every time I call, I get a different representative, a different story, a different thing I need to do. Chase has done nothing to clarify this issue. I need help in getting this resolved so that I can sell my house, pay my mortgage back to Chase  and get out from under them. They are making it physically impossible for me to do so. And again after my phone call on Friday  XXXX   XXXX , I have yet to hear from anyone in any form from  Chase. I need help. I have no documents to attach because despite repeatedly being advise I would get documents from Chase, I have received not a single one.
I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.
I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry.
attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.
On XX/XX/2018 I wrote to Transunion explaining to them that I had inquiries on my report which I did not make. Transunion is aware that I am a victim of identity theft. Transunion also has a copy of my police report validating that I am a victim of identity theft and fraud, as well as my identity Theft affidavit from the FTC. Transunion is reluctant in removing these inquiries which are damaging my good name. Why am I being punished for what someone else has done to me? This whole experience has already been very emotional and traumatizing. Why isn't Transunion willing to help me when I am the victim?
I applied for a student loan forgiveness program through a firm based out of XXXX, income based program said I did n't have to pay because I was n't making enough money. I had nothing to do with Navient and out of no where they starting sending me bills saying I owed way more than what I borrowed to go to school. XXXX credit reporting agencies have different amounts. They have me in defaulted status and are ruining my credit.
There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Today XX/XX/XXXX I received information from my bank that New Century Financial has frozen my XXXX  XXXX XXXX Account. So there is a levy on my account and my balance is XXXX. 

I have not received any court order or any notification from neither the court or the collection agency to give me a chance to respond or try to fix or settle this matter. 

I need help to stop this levy on my bank account and settle this issue if possible, although I was told by the court clerk that it has been since XX/XX/XXXX which I don't recall.
Between my XXXX phones they call XXXX times per day. Starting the day after payment is due until I pay. This has gone on for several years even when I was in XXXX for the military I was harassed.
Credit Protection Association began reporting a XXXX XXXX collection of XXXX in XXXX XXXX. As I have no legitimate debts to XXXX, nor XXXX, whom XXXX acquired the account from, nor have I received any bills to suggest otherwise. There was an unexplained increase to the bill once XXXX took over but that was adjusted after complaint to XXXX. I have disputed the collection to the various reporting bureaus. Oddly, the company has responded to the disputes differently for each XXXX. While it was deleted from XXXX, it was verified as accurate to XXXX. I 'm no expert on how credit reporting works, but common sense would tell me that if a debt is n't valid in one place, it is n't valid at all. So how are they able to report it differently?
I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that aren't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and Transunion and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
I have several inquiries on my credit report that are not, and were not made by me, I have been a victim of identity fraud and I have an alert on my report to notify me if someone tries to open an account, and I talked with someone at the department store and company to have removed.but they said because of alert account wasnt open so no problem. But its a problem for me. The inquiries are listed below. 
XXXX XXXX/XXXX/XXXX, XXXX & XXXX. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, ( twice ) same day.
And theses inquiries are hurting me.
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( Experian, XXXX, XXXX ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
I have disputed a collection on my  XXXX  report several occasions and have not gotten a resolution. I paid a collection from  Coast to Cost for {$240.00} ( {$250.00} w/ fees ) on   XXXX   XXXX ,    2016. It is being reported on my   XXXX   report as being open and the full amount owed. I called Coast to Coast and th ey report the account as closed and say that  XXXX  never contacted them in regards to the dispute I filed.
I had complaint the double charge on one item with Bank of America ; I had tried to contact the merchant to return the item without the merchant 's  response. I had tried to contact Bank of America several times about this addition charge ; I had told the bank that I am willing to return the item ; but, the merchant did not communicate with me except the asking the fund from the bank. However, the bank did not spend time to investigate and discuss the issue with the merchant. On the other hand, they just favor the merchant 's requested. The Bank of America claim # is XXXX. Thanks in advance for your consideration. XXXX XXXX.
To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. 
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.
I submitted information to all equifax about 3 bankruptcys on my report that were removed months ago and now have been readded as of today XX/XX/2018 there was no written notification again which i did not recieve! There is nothing on my account that ties these bankruptcies to me and they were deleted by Equifax, i was only able to find proof of 2 but all 3 were deleted!! Bankruptcy # XXXX, # XXXX, # XXXX. I would like for these to be deleted as soon as possible and a new credit report sent to me as soon as possible. This is very stressful and very woresum for me!! I'm in the middle of purchasing and for this to be added back to my account and they were deleted can cause all kind of problems! How am I able to trust a bureau with my important information. I worked hard for my credit and Equifax need to be more careful about what they are doing and how they are handling my credit.
I have been disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.
I have two loans that were serviced by ACS/Wells Fargo. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by Wells Fargo. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
I am having problems with Midland Funding LLC reporting a debt on my consumer credit report stating I owe {$640.00}. I have never had an account with the company they say the debt is from ( XXXX XXXX XXXX ). I have attempted to resolve this matter via certified letter in XXXX 2016, XXXX 2016 and XXXX 2016. I  have requested proof of ownership of this debt ( such as a signature on an application, proof of payment from my bank account, etc. ) The company has yet to provide this information and has only sent me a old statement showing it was written off by the original company. This is not my account and the company refuses to provide me with valid proof of the debt.
XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.
ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.
They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.
I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.
Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}
COINBASE COMPANY based in XXXX XXXX sells cryptocurrencies, It will allow you to buy currencies such as LiteCoin, Bitcoin and Ether but will lock your account when it is time for you to withdraw your funds. I have tried to validate my identity to COINBASE and successfully uploaded my driver 's license with the CORRECT INFORMATION INCLUDING the address but it insists that it can not validate it after I have accurately answered all the verification questions. They are holding my funds. This company should have completely validated the users first prior to allowing them buy crypto currencies so that there no funds withheld if can not be validated. 

This is a pure deception and fraud where they allow you to buy but will put restrictions on your funds that is deposited to their organization.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''