WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I attempted to apply for a mortgage and was told that my credit score was bad and I did n't qualify. I was suspicious because I have always maintained an excellent credit history. I was told I had a delinquent XXXX account. Since I 've never opened a XXXX account, I looked into it and I found that my adult step daughter ( XXXX XXXX ) and her boyfriend ( XXXX XXXX XXXX XXXX ) had opened up the account and used it without my knowledge or permission. I was lost and did n't know what to do, so to protect my credit I called XXXX and settled with them. I thought that was going to be the end of it and my step daughter assured me that was the end of it. Later in XXXX XXXX, I found out there was more accounts she had opened as my credit had gotten worse. I had my credit report interpreted for me by a credit consultant on XXXX/XXXX/XXXX and found XXXX more accounts that had been opened and defaulted on that were not mine. My step daughter and her boyfriend also admitted fault on those accounts and have signed a written document accepting liability. 
I filed a police report after consulting with several consumer protection agencies and received their help. I was completely lost on what to do. Now that I have received guidance and been informed I understand that I have no liability to pay. 

On XXXX/XXXX/XXXX I notified Chase in writing about the situation, and provided them a copy of my official police report and notarized fraud affidavit. This resulted in an investigation that went back and forth were several chase representatives assured me I would be found not liable or responsible for this fraud. Ultimately they found me liable for this and are continuing to harass me literally daily by placing several phone calls to me to attempt to collect payment. I am not sure how they found me liable, but this is completely unacceptable. Please understand the facts. 
Again, the person who is responsible for this fraud is my step daughter and her husband, they have admitted full liability already. They used the fact that I work out of town and only come home on the weekends to keep the statements hidden from me. They opened up several accounts not just CHASE. Not being informed and limited XXXX proficient, I did n't know what to do when I discovered the fraud. But now I am informed and will not be bullied. I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. After being formally notified and being provided copies of XXXX the law enforcement report and the fraud affidavit CHASE continues to disregard the facts set forth in this case. The willful negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section 530.5 and Civil code 1798.11.2 -
I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
On XX/XX/XXXX, and again on XX/XX/XXXX, a fraudulent charge in the amount of {$99.00} was posted to my account. After noticing these transactions and calling the institution, a temporary credit was issued while they continued to investigate. In mid-XXXX, I received notice that the temporary credit would be reversed, as these were determined not to be fraudulent. In a call placed to the institution on XX/XX/XXXX, reasons provided for the reversal were : ( 1 ) relatively low dollar amount / no attempt to drain the account and ( 2 ) repeated pattern of transactions. However, they failed to find suspicious the fact that {$100.00} is the minimum limit to set for account alerts. Moreover, when I questioned as to the shipping address on the invoices from the merchant for both of these transactions, the institution indicated it had not obtained said invoices. The institution used presumptive evidence rather than evidence specific to this case in making its decision. During this call on XX/XX/XXXX, I also indicated my desire to have this case re-opened for investigation, and the customer service representative stated that I would be receiving an email confirmation of that shortly. Now on XX/XX/XXXX, I have still not received an email.
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
I went through a divorce 15 years ago. I was struggling to save my property, I contacted Navient, who advised me to miss 3 payments. I am ashamed of myself for not doing more homework and not contacting a financial consultant. I already had a low self esteem. They took advantage of me. I put my loans off for a year. I have never missed a payment and I am in good standings. I will never be able to pay my loans off. I am a teacher in a low income/minority district. The Department of Education encouraged me to file many forms with Navient to have some of my loans dismissed or reduced. Navient rejected my forms saying that my loan is to old. Through this process again I was misled and with every call was given different information. It was difficult to understand the english of the individuals I was talking with and it was difficult for them to understand me. I was always read a script, there was a time that I could rehearse it. The phone calls were very discouraging, always being placed on hold and difficult to get through and when you do, no one could comprehend each other. At one time I was told why would you apply for the ten year pay off plan, you can have it paid by then, but I ca n't. I truly feel that they rejected me from financial services because I am paying on time and they are benefiting from my interest. I have searched high and low for someone to listen to me, as Navient has clearly benefits from me and I am at their mercy. It is XXXX and embarrassing. I am ashamed of the burden I have put on my family. I would like to be apart of the Navient lawsuit. Not to mention the thousand calls I get a day from organizations telling me I qualify for programs to get my loans dismissed, the only person knowing of my loans is Navient, have they sold my information to these agencies wanting to charge me money to help me???? If so they are benefiting from my interest and my information selling it.
On XX/XX/XXXX I place a cease an desist for all phone calls on my account with then Green Tree Servicing, the company has since been changed/sold to Ditech Financial LLC. My account was not sold so the cease and desist remains. I have written documentation of submitting this cease on XX/XX/XXXX through Green Tree 's website and confirmation that the message was sent successfully. I also have a copy of the message that was sent. Today, XX/XX/XXXX @ XXXX XXXX, XXXX ( employee # XXXX ) contacted my on my cell phone # ending in XXXX. I advised her I have a cease on all calls and she tried to tell me this was not documented other than for my work phone #. This is incorrect. I let her know I would be filing a complaint and disconnected the call.
In XX/XX/XXXX there was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX andXX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX and Transunion on the XX/XX/XXXX. They were both received on XX/XX/XXXX. I followed up with both of them and XXXX  also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX  in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.
For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.
I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.
On XXXX XXXX, 2016, I opened a CitiGold checking account with a promotional code of XXXX, offering XXXX XXXX XXXX miles. The XXXX XXXX XXXX miles were to be issued with the following requirements, making {$1000.00} debit card purchases and making XXXX or more bill payments for two ( 2 ) consecutive months. 
On XXXX/XXXX/16, after XXXX requirements were fulfilled and met ; I confirmed via secure message with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. 
Then on XXXX/XXXX/16, I submitted another message to open an investigation to follow up on when the XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days, and I have yet to receive any response back. 
I have searched online and found that there were numerous cases with Citibank not honoring XXXX XXXX XXXX checking account. I am being charged a $ XXXX/monthly fee in my account and another monthly fee will be withdrawn from my account without any response from Citibank. I do not appreciate that they are not responding to and ignoring this issue and refusal to award me the points I have earned ; all while still charging me a fee for maintaining their Citigold checking account.
I am a consumer with BofA I am complaining about a new feature on the mobile app which is XXXX I told bank of america I want to turn off the feature and BofA did help remove XXXX but i was forced to use it there is NO setting to turn it off in the mobile app and as a consumer I HATE USING XXXX PLEASE RELEASE A UPDATE TO TURN OFF XXXX AND REMOVE HER FROM THE ACCOUNTS PAGE AND I NEVER LIKED USING virtual assistants online.
I have tried repeatedly to close my account with Chase ( XXXX XXXX Visa Card No XXXX XXXX XXXX XXXX ) since XX/XX/2018 because I no longer want to pay the annual fee of {$95.00}. I complained earlier on XX/XX/2018 to CPFB ( see complaint no. XXXX ) after which a Chase representative called me and assured me the account would be closed and no further delinquent dues will show on my on line statement. This is not the case because my latest ( XX/XX/2018 ) statement ( see attached ) continues to show the annual membership fee of {$95.00} as being overdue and in addition anew late fee of {$15.00} has appeared, despite the account being closed. I am now truly concerned that this errant behavior by Chase will cause my credit rating to be adversely impacted.
Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.
I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.
I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in
My name is misspelled in my TransUnion credit report. I submitted a dispute form through their website today. The form directs those individuals who wish to correct or change the spelling of their name to contact the creditor who furnished the misspelled name. None of my current creditors have any records with the misspelled name. I have attached a statement to my TransUnion report reporting the misspelling. I have no letter J in my last name.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I am talking to a realtor today and a car dealer. I am up for a swap in my car lease and my partner and I are looking in XX/XX/XXXX to move to XXXX household together and commencing planning. 

My relator and car dealership agent show me that Discover Student loans loan XXXX and XXXX are hitting me credit score HEAVILY. All my loans are paid early and significantly more then minimals and months in advance and have been for over a year now. 

Yet they are documenting that payments sent in together loand XXXX cleared on XXXX/XXXX/2016 yet same day sent in payment XXXX is STILL today XXXX/XXXX/2016 not processed. They do not mail invoice, balance cant view these online, nothing this is the third month in 2016 I have battled them on this. They take payment over what the payment terms are agreed to. Yet then play these games and my dealershipo and realtor told me my credit is being hit with " In the meantime, I would work with Discover to correct the information that they have on your credit report. Because they are showing as " profit and loss '', which is a term that means " uncollectible '' to a lender and weighs down your credit score in a big way, this affects what you qualify fo '' I have gone to Discover over this REPEATIVELY on the processing payments on loan XXXX and XXXX. I have gone to them on why cant I see the balance on line or in a mail bill monthly or calling your number? Why is this listed hurting my credit but for a year and a half now I have paid MORE then the requested amount and months ahead on payments? 

This is blocking me from getting into a car or looking at moving in with my partner.
Capital One is reporting an account that is not in my name to the credit bureau. I was only an authorized user on the account but never gave permission to be a person financially responsible. I spoke with them last month and they told me I was taken off of the account. However, on XX/XX/XXXX they negatively reported it to the credit bureau again. This was not my account and they need to quit reporting it as such.
I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.
On or about XXXX/XXXX/17, Chase Automotive ran a " hard inquiry '' on my credit report. This will have a negative impact on my credit score. I am up to date with all monthly payments so there would have been no reason to do this. I did not request any additional services from their organization either.
My debit card information was stolen and used to make a relatively large purchase at XXXX XXXX XXXX in XXXX XXXX. The thief made a purchase of {$2400.00} on XXXX XXXX, 2016 between the hours of XXXX and XXXX. Chase fraud prevention notified me of this charge. I have already made a claim with Chase and closed all of my accounts. Chase has denied my claim even though there is overwhelming evidence that proves this is fraud. I contacted the XXXX in XXXX XXXX to find more information on tracking this thief down. They notified me that I must first file a police report, which I did. XXXX XXXX PD has approved this report and assigned a permanent case number. I have also given all of my info to the XXXX in XXXX park to help track this person down. I just want my own money that I earned back, chase is making this extremely difficult and is not not trying to resolve the issue at all. They refuse to reimburse me and told me I was on my own.
Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.
Every time I apply for my free annual credit report with Equifax, I get the same response ... 

" Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' ... with instruction on how to obtain the credit report by mail. 

What's the point of applying online if I get the same run-around every year. XXXX  and XXXX provide a report online. What's Equifax 's problem?