WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. 

I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. 

XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. 

i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.
XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX  & Equifax report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my Equifax report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.
My debt, which was an electric bill has been paid off for over a year I have called the electric company, national grid, and I have called the debt collector and still my debt has not been removed or marked as paid on my credit report. It is the only debt I have and it is stopping g me from moving forward. They have not helped me at all, so I was hoping you could.
I have monthly and yearly subscription and some I do n't even remember. 
So to protect myself, I report a stolen credit card. I received the new card from Barclay Card and to be safe I moved my monthly subscription to XXXX XXXX. 
As now, I have a charge from XXXX that I did not authorized this charge and I called Barclay for the second time. They told me that as long that I did not cancel my subscription, the merchant will update with my new CCS ... and I can not get on hold with XXXX. 
The big issue that I have with Barclay card is if there is a dispute is between me and the merchant, not with Barclay Card. As with XXXX XXXX, I received notification asking if I recognize the transaction ... and if there is a dispute, merchant will get back with me ... but it is not the role of Barclay XXXX to mange the dispute with fees and what so ever. I called Barclay on XXXX/XXXX/16 and nothing was done. I just call now, spoke to a man ... we went over the issue and he put me on hold ... I call around XXXX Pacific Time and now 43 minutes later ... it rings busy and it hangs up. 
Please ... we need some kind of protection and stop Barclay Card with this unlawful Act.
I received a letter saying my mortage was sold and I was to send my payment to a new mortage company. Two weeks later, after I had already sent my payment to the new mortage company, I received a letter saying they made a mistake and I should keep sending my payment to them. 
I have been over 18 months trying to get my payment credited to my account. They have admitted it is there mistake, but have done nothing but harass me about a late payment since. 
I do n't know what to do.
Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
I purchased my mortgage in XXXX XXXX. I XXXX my husband applied to get a mortgage in his name. The same property and the same d the mortgage company, BB & T. Everything was going good until a few days before closing and the mortgage company called sayig that they could not do the loan because our home was not attached to the piece of property. I called and the loan officer did not think that the company already carried the mortgage. I gave him my account number and he quickly got off of the phone. Later that week I received an email asking if I could provide the vin number because the bank could not pull the correct title. I did not give the vin number. I went to the Dept of Motor Vehicles and found out that my home had never been titled in my state of SC. I proved the squatter law and had a title issued in my name to me. The mortgage company put us in default for not attaching the home to the land. We recieved the first XXXX XXXX in XXXX XXXX and then we didnt recieve anything until XXXX XXXX for a final decision hearing. We went and proved the bank wrong but no one would listen to us. The Special referee ruled in favor of the bank and we went to forclosure auction on XXXX XXXX, XXXX. I was the highest bidder but now I have to pay my bid to save my home.
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX
In 2006, while in my final year at XXXX University, I had a checking account with XXXX. During that spring, I received phone calls from a collection agency representing XXXX informing me that I owed around {$2000.00}. They had my name and SSN correct, but the account number was not my account. This account had bbeen opened fraudulently, used until XXXX stopped honoring the checks, and the person who had opened it disappeared. I communicated with XXXX, the debt collection agency, and I believe even filed a police report. I thought the issue had been resolved, but every few years since then, I have heard from a collection agency attempting to acquire payment on this debt.In the last three months, this has reared its head again in the form of multiple phone calls to me and a letter sent to my parents ' residence.
Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.
This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. 

Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. 

That information is incorrect. 

According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. 

Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. 

The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. 

I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.
I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.
I have disputed this account entry with Lexis Nexis on multiple occasions regarding the inaccuracies that are reflected among the 3 credit bureaus. In a previous dispute to them, I specifically disputed the filing dates ( each bureau reflects a different filing date ), reference numbers ( each bureau reflects a different reference number ), as well as court ( each bureau reflects a different court ) and amount. Lexis Nexis responded in their letter dated XX/XX/XXXX ( see attached ), that the bankruptcy records are accurate. Again this is untrue. There are inconsistencies among all 3 bureaus. After reviewing their response, I immediately sent them a letter addressing my concerns again, for which they had not responded. See attached return receipt card that reflects XXXX signed for the delivery of this letter on XX/XX/XXXX. 

To date, XX/XX/XXXX, I have not received any correspondence from Lexis Nexis whereby they would be responding to my letter they received on XX/XX/XXXX. In this letter, again, I made reference to the fact that there were indeed inaccuracies reflected on each of my bureau reports, but moreover, I was requesting a description of the procedure used to determine the accuracy and completeness of information that they were claiming was accurate. Since it has been 60 days since Lexis Nexis received my dispute and they have opted to not respond, these inaccurate entries should be deleted from my credit profiles immediately.
Lending club charges if you try and use a paper check. They only allow ach for free. 

after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business
I have a lease with GM Financial. I have asked for the mailing address to be changed XXXX XXXX times now. Still nothing. Now I do not even get a statement.
My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.
I have submitted several disputes with Equifax asking for validation ( copy of original document with my signature on it ) of collection accounts reporting on my credit report. The XXXX accounts reporting are from XXXX and they have not submitted adequate validation, they just sent me what appears to be a screen shot of a bill that does not belong to me in both cases. Equifax has just said that the accounts were verified without telling me how they were verified and have failed to show me any proof of validation ( copy of original document with my signature on it ) after I have asked on several occasions.
Portfolio Recovery Associates, LLC for the amount of {$280.00}. I have sent Portfolio Recovery Associates, LLC a debt validation several times with no response. This item does not belong to me.
I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD.
Chase shows up on my credit report as that I 'm not paying a debt. I do not owe any money nor do I have a chase account.
I was at a party and my wallet got stolen, due to the fact my wallet is also a phone case, my phone was stolen as well, along with my credit/debit cards.. A few days later i was able to purchase a new phone, after purchasing a new phone I was able to check my email, upon checking my email I had an email from Bank of America alerting me my account was overdrawn, immediately I contacted BofA to explain the situation that the card was not in my possession, they read all of the unauthorized transactions in XXXX XXXX and I told them it was n't me it was fraud. A few days later they denied my claim and stated they didnt see any fraudulent activity, but I received an email while the fraud was occurring about unusually activity, so that lets me know they knew something was n't right, for XXXX I live XXXX miles from XXXX, another thing is I had everything taken from me so I had no money or anyway to get to XXXX. They also stated the reason why my claim was denied was because my mobile banking was accessed, and that indicates awareness, but like i mentioned before my phone was stolen, my phone did not have a password. I explained that to them once again, then they stated that was not in the notes, and I can have them " re-open '' the case, of course I agreed, and they also told me to file a police report. immediately i filed a police report, and received a confirmation email from the police department, 2 days later I received an email stating my claim is denied once again, before I even had a chance to send them the report, the police depart approves the report in a 3-5 period, plus my report was done on a Thursday, thats XXXX business day. Bank of America 's reason, once again is the mobile banking being accessed. I told them again my phone was stolen, and that they did n't give me a chance to send in the report, their response was they already reached a decision. Im a college student working XXXX jobs, taking care of my XXXX siblings and I had over {$3000.00} stolen from me, BofA does not care about me at all, they do not live up to the XXXX liability terms they talk about, I 'm behind in my bills, I have to eat less, put in extra hours at work, Ive lost over XXXX pounds in the past XXXX weeks dealing with this, PLEASE HELP ME!!! I do n't know what else to do. I need my money back!!!
On several occasions I have written to Transunion sending in proper identification and requesting that they reinvestigate the inquiries on my credit report. They have since flatly refused to do so despite several written requests over the last few months. My wallet was stolen in XXXX, Texas two months ago and I have placed security freezes on my credit reports with the other two credit reporting agencies and they have both complied with my request. 

Transunion continues to refuse to reinvestigate these inquiries and are in violation of the Fair Credit Reporting Act
XXXX, XXXX, and Transunion have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
I had an American Express Delta Skymiles Card- had a high limit and paid on time consistently for several years. There was $ XXXX of fraudulent charges on my account and opened an investigation. The merchant never responded/provided any documentation that could substantiate these charges. In fact, the merchant responsible for these charges is n't even in business now. However, the 3rd party performing the investigation engaged in multiple phone calls that became borderline harassment as they were unequivocally trying to find a way to get me to back down so they could collect the money from me. I asked them if they could put the charges back on my account without any documentation/response from the merchant and they did n't answer as they apparently were not at liberty to do so. Subsequently, I requested to speak to a manager. I never had that chance because they cancelled the card and now are trying to collect the balance of the card PLUS the roughly $ XXXX of fraudulent charges. This is adversely affecting my credit which is deplorable considering they are ignoring my repeated requests for them to look further into the fraud situation. I believe this is unethical but also illegal business practice because my rights as a consumer are being ignored and they are attempting to use intimidation tactics to get me to back off which I will not since I refuse to pay for charges that I never incurred. Please let me know what my rights are as a consumer and what actions I can take to resolve this issue. Thank you.
After reviewing the account statements I discovered that credit that was applied on XX/XX/2018 for XXXX was reapplied XX/XX/2018 as a charge or a balance transfer. This amount was the charges for the card I had not received and the charges that were not recognized when I had gone to the branch and spoke to the teller that in fact treated me in a very poor manner. There was also a late fee that was charged in XX/XX/XXXX for XXXX and I do not understand how that was done as I have no late payments and Wells Fargo is the only account that has reported this error. So the amount that was in dispute was just reapplied as a balance transfer?? That seems to be unfair and as time has gone by there has been no letter to state the charges were going to be reapplied. Then there was several ( BANK REVERSE CREDITS ) that were not clear as to the reason for the adjustment. I would like to have this issue looked over because I think that doing business with Wells Fargo has become a real problem and that I believe that the balance for the account is far less than THEY have indicated.
I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights
Nationstar mortgage refuses to adjust the value of my home that they have on file to match the original appraisal value indicated by the original purchase documents and the original appraisal. I 've provided the original assessment conducted when the home was purchased to show that the home value was appraised at XXXX rather than the incorrect and improper XXXX that they have on file.
Re : Earnings Withholding Order for Taxes, Account Number : XXXX XXXX XXXX. 

1. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
2. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
3. XXXX XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX (  {$20000.00} ) ( XXXX XXXX ) 4. XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX )