WillisBack/dataset-financial-user-claim huggingface dataset:
I have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail
My wife and I signed a 2nd mortgage loan with CitiMorgage on XX/XX/XXXX for {$130000.00}. The loan was sold to XXXX XXXX as a first mortgage. 
Due to the US economical crisis I lost my employment in XX/XX/XXXX, stopped making payments and filed for bankruptcy in XX/XX/XXXX. The total amount of the 2nd mortgage debt was {$130000.00}, including late fees. 
In accordance with the bankruptcy documents there was only {$27000.00} available as a colateral for CitiMorgage. 
CitiMortgage charged off this debt on XX/XX/XXXX because the colateral was not enough for a 2nd mortgage foreclosure. The loan balance after that was XXXX and the loan was deleted. 
XXXX XXXX does not have any register of this loan. In accordance with the XXXX XXXX web site for loan look up, this loan does not exist. So I think it was discharged. 
My credit reports do not not mention any debt with CitiMorgage or XXXX XXXX. 

CitiMortgage has sent me a letter recently saying that my loan is in default and I have to pay {$49000.00} to stop a home foreclosure. 

I have called CitiMortgage to find out why they are collecting a loan that was discharged, but they do not give me any information. They say the loan investor was XXXX XXXX and I say XXXX XXXX   discharged that debt, so you are not able to collect a discharged debt. 

Please let me know if a home foreclosure is legal considering a no existing XXXX XXXX loan. 

I would appreciate if you could help me to solve this matter.
As of today XX/XX/18, at approximately the XXXX EAST I have been unable to make purchases, check the card balance via telephone or online and get money from an ATM machine. There is money available on my card from a payroll direct deposit and the card website states it's unavailable because of scheduled maintenance and when I contact them via phone an automatic.recordng states that " their system is updating, please call back later ''. I tried using an ATM and the receipt states to contact my financial institution. I have been unable to use my card for almost two hours and I need to access my money ASAP. The company has not provided any source of information as to what is going on because no one is answering their phones. I have no access to my cash and no understanding of why. This is a prepaid card and the money that is there is mine. There was no information sent about any scheduled maintenance that was going to happen during this time.
XXXX XXXX Hospital billed for XXXX. Between my XXXX insurance carriers, they received payment for the full amount allowable under the contract with my insurance providers. The hospital sent me a bill for the balance, which I disputed. I received one other statement and no further communication, until last month. I received a letter from an attorney 's office regarding the {$600.00} balance. 
I was never given written notice of any plan to submit this amount to collection or to an attorney 's office. The amount I am responsible for was approximately {$60.00}, as reflected in the EOB.
I contacted this agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.
I am being charged {$260.00} a month to pay off my student loans. When I total the amount owed per month for each of my loans, the total is {$240.00}. I called the company FedLoan Servicing who manages my loans and asked why there is a discrepancy. They said that I had overpaid what I owed in recent weeks, which is true because I made a lump sum payment, and that the lower monthly payment amount is due to that. I was told by the customer service representative that the lower monthly amount of {$240.00} would n't become enacted or kick-in until some time in 2019. She asked me if I would like to have the lower payment amount kick-in now instead ... all she would have to do is submit a request to have that changed. I answered " yes of course I do n't want or need to be paying you more than what I actually owe! '' They seem to be making extra money off of me by charging me more than what I actually owe per month. I have discovered multiple deceitful practices by this bank/company since they have been managing my federal loan repayments over the past couple of years. If I had n't noticed this, I would just have paid them extra money per month for at least two years unnecessarily. Unacceptable! As a result, I am choosing to pay off my loans sooner just so I do n't have to deal with this company/bank and to limit the amount of interest they can collect from me. Why are they allowed to continue to deceive their costumers?
XXXX XXXX will report current statement balances to XXXX but does not ( two ) updates on XX/XX/XXXX & XX/XX/XXXX doesnt report same updates to XXXX this report they hold at last update of XX/XX/XXXX which shows a much high % use of credit which is not true. It appears as if they are intentionally trying to make my credit look BAD even though it is in good standing ( just my opinion but that seem to be a illegal act unless this is a truely a an honest mistake, Then think they would correct in less then one Hour. But filed complaint with XXXX a week ago they were requesting a copy of credit report but still shows same as XX/XX/XXXX report unlike XXXX  who they have updated correctly twice sence XX/XX/XXXX report.
Experian has on my credit under inquiries of companies I never applied for credit or requested credit nor sign my name for consent to run or obtain my credit. 
Report # XXXX XXXXXX/XX/XXXX on page 14 of 18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied at any of these companies nor have I sign or given consent to run my credit. Every one of these Inquiries need to be removed by Experian and Experian needs to provide from each one listed my signature and application showing my name signature and information for obtaining or running my credit for any or such purchases an application needs to be provided as proof.
my issue is more that the category than I selected. but I mailed the credit bureau a certified letter after disputing online and incorrect accounts came back verified. In this letter I asked to be mailed a copy of what they have in their system to show what they are using to verify and validate that the items I have been declared incorrect, correct. Instead, they sent me a copy of my credit report and denied me my right per FCRA. this is against the law. Below I have the issues that I asked to be corrected. 

2 Inquires- XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX.-XXXX Paid Never Late ( but they have 1 late  payment listed ) XXXX XXXX Account shows late payment when acct should have been in deferment due to being in school at XXXX XXXX XXXX XXXX XXXX account does not belong to me and has been removed off of XXXX and XXXX. Experian has not removed account after mailed follow suit letters
i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!
Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
XX/XX/XXXX - XX/XX/XXXX : {$27.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$46.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$11.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$50.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$44.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$25.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$300.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$220.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$260.00} - per month when contacting XXXX XXXX regarding financial distress, XXXX provided me with information on hardship forbearance or deferment, instead of potentially giving me more beneficial repayment options like income-driven repayment plans. I request in writing and via customer service that I would like the inaccurate late payment information to be removed from my credit report. I received a notification stating that they were investigating my request, but I still have not received a final decision. It has been over 30 days.
I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Home has been sitting vacant, with no one maintaining it or paying Association assessments.
Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed
Federal Student Loans - Cause Of Action Dismissal - Schedule Appointment XXXX XXXX ToXXXX XXXX XXXX Today at XXXX XXXX Hello,
 My name is XXXX XXXX and I am the Federal Student Loan Discharge Specialist here at XXXX XXXX XXXX
 
I am reaching out to let you know that the Department of Education (DOE) has added your school to a list of schools that file a "Cause of Action" claim. This is a Grievance Discharge of all Federal Student Loan Debt for students who feel misled or defrauded when it comes to their school experience.

 
Have you been made false promises to regarding job placement or assistance?

Have you been lied to about your credits being transferable to other college/universities?

Have they failed to thoroughly explain to you the full cost and breakdown of your entire tuition?

 
These are some examples of questions that if apply to you would deem you eligible for this Grievance Discharge, and if approved you could be completely dismissed of all your Federal Student Loan Debt and reimbursed on all voluntary payments you have made to your student loans thus far. If you have ever received any credit damage due to these loans, that damage can be completely revoked.

If you would like to check your eligibility further, please contact me via email or phone. I can go over your case and see if you are a valid candidate for this program. Have a great day and if you know of any classmates or friends/family that this might apply to, please pass along this information.
Thank you very much
 
 
Please email me or call me to schedule an appointment if you feel this applies to you.

-- XXXX XXXX XXXX Loan Discharge Supervisor XXXX Direct: XXXX ext XXXX  FaxXXXX (XXXX) XXXX Email:XXXX Web: XXXX XXXX XXXX XXXX XXXX "This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message." Thank you for your cooperation
XXXX
Citimortgage refused to refinance my mortgage under the XXXX program. Consequently, I am paying a much higher interest and have suffered financial hardship.
I have contacted Lexis Nexis several times in reference to a reported bankruptcy. I filed a complaint with CFPB and after Lexis Nexis replied it was closed. THe reply from Lexis Nexis was in the WRONG PERSONS NAME! How can something be verified if Lexis Nexis doesn't even have my name correct?! This bankruptcy needs to be removed from my report! The source of verification is XXXX which is a inaccurate and undependable source! I am intitled to a name, address and phone number of the PERSON verifiying. Bankrupty courts do not verify bankruptcies, so the ONLY acceptable outcome is for this inaccurate, unverified,  bankruptcy to be removed. This reporting is in violation of my Fair Credit Reporting Act rights!
in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number
I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
I was in XXXX XXXX XXXX on vacation when my ex boyfriend XXXX. I was admitted into the hospital there and treated but I 'm on medicaid out of XXXX this should of been all covered. I contacted this collection agency and informed them of this.I 've been medically covered every since XXXX of 2005. I 'm at a loss as to what they want me to do. I have verification from social security that I 've been covered this whole time.please help me. I 'm trying my hardest to bring my credit score up and this is the only thing bad on my credit
On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.
I have sent about 3 or 4 letters to all 3 credit agencies about verifying the account listed on my credit report by the name NAVIENT, I have no idea who Navient is, I have asked the credit agencies to send me a copy of the original contract, with my signature on it to verify that this account belongs to me, they wont sent it to me, I have also sent two certified letters to the company Navient and they never responded to me at all, I asked the credit agencies how are they verifying this information if the company wont even respond to me, I was told that they verifed it electronically, I asked to be sent what was sent to them, I was hung up on, that was XXXX, XXXX, XXXX the same thing saying it was verified but not sending me any proof, they all tell me to contact Navient. I am clearly being ignored by Navient I have sent two certified letters to them and not one answer at all. I have sent certified letters to all three agencies XX/XX/2018, XX/XX/2018, XX/XX/2018, all at the same time. XXXX XX/XX/2018, -- XX/XX/2018. All letters were sent certified mail Navient is reporting that the high balance is XXXX charge off amount XXXX if this is true why cant you send me proof of this, the law states that a account must be verfied 100 % if it is being reported on your credit report, this is clearly not being done, these agencies feel like they dont have to comply with the law I have spoke to them on several occasions tonight XX/XX/XXXX XXXX, they didnt care about proof at all. I have all the letters that I have sent out if you need them I will mail them in to you.
Hello, I currently have my Federal Student Loans serviced by Mohela. I attented to set up a recurring auto-debit set up, whereby I would have an additional amount withdrawn every month. I wanted the additional recurring to go to a specific loan, rather than be spread across all my loans. However, I called them and they explained they do not have that option available. They said I would have to pay manually every month if I wanted my additional payments targeted. Given that they are a federal loan servicer, I find that they do not have this option to be ridiculous, and purposefully unfair to consumers. This is a policy put in place for the purpose of extracting additional interest. A consumer should have the option to direct where his additional recurring payments go, especially with the servicer pulling out all the stops to ensure we use auto-debit.
I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.
Back in XX/XX/XXXX I requested for Experian to validate and delete 3 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$0.00}, Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} all closed ) from my credit report. I have sent my last 4th letter to Experian on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Experian customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX  has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is  XXXX & XXXX credit score is XXXX while my Experian credit score is in the mid XXXX. These items are negatively impacting my Experian credit score. I have also been permanently XXXX since XXXX and I have reported this to the Department of Education, loan lenders and collection companies. Experian is involved with illegal business practices and is committing fraud on various levels.
Bank of America closed one of my checking accounts without notifying me. 
The account was closed XX/XX/2018 due to inactivity. I have had this account for years and always kept a XXXX balance or several dollars in this account and this account was never closed until now. They have refused to reopen it. I have had one person told me that it would be reopened and another person said it was in the process of being reopened. The last person that I spoke to said it could not be reopened.
X/XX/13 Release of Tax Lien State of Alabama {$4000.00} Docket # XXXX X/XX/13 Release of Tax Lien State of Alabama {$830.00} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law
This is a concerned citizen of the US blazing mad about the Equifax breach and the potential of identity theft. How will I and millions of others be protected?