WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I filed for bankruptcy. My XXXX  account was one of the accounts I reaffirmed. The monthly statements ceased, but I expected them to return again after the bankruptcy discharge. The discharge was in XX/XX/XXXX. The statements did not return. For most of XX/XX/XXXX, as I would go to the individual branch each month for my payment, the Manager tried his best to find a solution to the problem for me. 
I have never missed a monthly payment throughout this time. However, I have to guess what my payments are, and go to the location to make a payment. Last Fall, I finally learned why my statements are not coming in the mail. I was told after contacting XXXX XXXX at XXXX, that she no longer handles the bankruptcy and for me to contact XXXX XXXX, at XXXX. I had eventually made contact with XXXX XXXX, through email. She informed me the account reaffirmation was never filed. 
I finally spoke with her, and explained I had an email from XXXX XXXX, who said it was. XXXX XXXX said it has to be filed with the courthouse. She said my attorney was supposed to do it. 
I contacted my attorney. They stated the attorney does not file it, the creditor does. And, told me that BBVA Compass has been a creditor in prior bankruptcys they have worked, and BBVA Compass has always filed it at the courts in the past. 
I am attaching communication through the emails. 
I am being discriminated against, retaliated against for a reason I do not know. I simply had a hard time, filed bankruptcy, reaffirmed, and am trying to get on my feet. I simply want BBVA to treat me with the same respect they have treated others, and for them to file my reaffirmation of debt, and send me my monthly statements as before. I am just trying to pay my bill with efficiency and in completion. 
Please help me to find out why BBVA Compass is retaliating and discriminating against me. And help me to stop it.
I have had some issues with identity theft and I sent the information to Experian and the account is still on my report, which is killing my credit score.
Equifax is reporting XXXX accounts on my credit report, refusing after XXXX written request for investigations to remove, and in violation of the FCRA, reporting information that has n't been updated by the creditor, so the true status is n't known or sought. The specific accounts are XXXX XXXX XXXX with account no. XXXX, and XXXX with account number XXXX to include XXXX inquiries that were obtained not with accurate information. To wit, if someone knows the name, and address of a person, and creates a social security number not the consumer, the actual credit report of that consumer will be visible, illustrating the actual social security number as well. This was done XXXX individual times on my credit report. In addition the aforementioned accounts have n't been updated in over XXXX months, and the credit reporting agency is acting as the creditor, which is against the FCRA
All  XXXX  credit bureaus are susceptible to allowin g    XXXX   XXXX   to show incorrect information. I 've tried to tell the credit reporting companies a nd   XXXX   XXXX   a million time s, tha t    XXXX   XXXX   debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still shows a  XXXX   XXXX  etc., which is not accurate.
Made money gram on XXXX/XXXX/XXXX {$1000.00} & XXXX/XXXX/XXXX {$1800.00} for specific amounts sent to foreign country. Today, receivers could not receive funds due to money gram canceling. Hi phoned money gram XXXX/XXXX/XXXX and agent stated at this time money gram does not feel comfortable sending funds Specifically asked reason why and he could not give me one. Have sent other money grams previously were never rejected. Very frustrating and upsetting when money gram wont follow through. Need help?
My mortgage loan is currently serviced by Chase Bank. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due of {$8300.00} so they can strip the equity away from the property. The P & I payments on the property are {$260.00} and eight payments are past due, so {$8300.00} alleged past due amount is grossly padded. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting. Since HUD is unaware of the modification request, they are clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Chase Bank is obligated to process the loan modification with transparency. Chase Bank has  refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Chase Bank claims I was served with a foreclosure summons on XXXX, which is impossible since I was in XXXX at that time. Chase Bank never offered formal mediation per IN 32-30-10.5, which is the state law. Based on the violations listed herein, I am seeking your assistance on this matter.
Was contacted by this company after entering a payment arrangement with a previous company ( XXXX XXXX XXXX ). I was unable to make a payment until a month later and they stated it would be considered a refusal to pay despite having made multiple payment arrangements. I was bullied into payments by that company who threatened to sue me and garnish wages via phone call. When Bayside Capital Services contacted me it threw up a red flag because they stated I owed more than the previous company after having made multiple payments. I contacted my bank to alert them of the practice and believing the debt was valid through themand after a very upsetting phone call entered a payment arrangement through this company. I still felt uneasy after these call and connected XXXX XXXX XXXX who was the original creditor. They stated XXXX XXXX was the collector on the account. I contacted them and while speaking with someone was hung up on twice and in the third attempt some with someone named XXXX who sounded exactly the same as XXXX from Bayside Capital Services. The guy was extremely rude and told me to hang up as if I was being rude in explaining my situation. I refused to give my social security number because I was told they could look it up by name. I was seeing to give the last four and they stated they never had the account. I contacted XXXX from Bayside Capital again because I was leary about the situation and he started they would tell me that they owned the chain of title which they did not. When they call me back it is on a restricted line. I contacted him this morning after doing additional research and learned the internet address they provide is invalid and their phone numbers do not match up. I explained the situation and he began to get nasty with me. He also misrepresented the company by stating they were XXXX accredited. I checked the site multiple times and it did not state they were accredited. He called me a liar when this was brought to his attention. I asked for a copy of the phone call and chain of title and he said that my payment arrangement letter was a copy of that information. But it did not have any information about the company the debt other than the payment arrangement which was to be collected by debit card. This also threw a red flag to me as the previous company requested a debit card for payment as well. When asked for a copy of the call he rushed me off the phone.
My mortgage company XXXX XXXX XXXX XXXX sold my loan to Freedom Mortgage. At the very of end XX/XX/XXXX and throughout the month of XX/XX/XXXX I received at least 2-3 pieces of mail and 2-3 emails from NYCB alerting me of this change. I did not receive a single email from Freedom Mortgage and only received my new loan number in the mail from Freedom less than 10 days before my first payment was due ; the paperwork we received was printed/dated XX/XX/XXXX. Besides being illegal, this is not good business practices and thank goodness I 'm web savvy and could still create my new account and get my mortgage paid when it was due. This was an incredibly frustrating experience wondering if Freedom would get me my information in time. I attempted to create a new account on the Freedom website, but was unable to since I had not yet received my new loan number. Compounding this issue, XXXX in the middle of the transfer alerted me that we had an escrow shortage, but I could not resolve that after XX/XX/XXXX according to XXXX because all new payments should be directed to Freedom. Please let me know how this will be remedied as this was a very poor customer experience.
Please refer to the first complaint filed on XXXX/XXXX/2015 Case number : XXXX. This complaint is in regards to Capital One Acct # XXXX and excludes the XXXX accounts. In addition. I have contacted the credit bureaus and Capital One directly. To date Capital One has not provided any verification documents on this account. They have exceed the legally accepted 30 day allotment to verify this account. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. This is a clear case of unverified debt. I have exhausted all efforts to resolve this matter.
I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX
In XXXX 2016 my entire tax packed mailed by my CPA was stolen form the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. ( see copy enclosed ) I requested a 7 year Extended Fraud Alert from XXXX and they and XXXX place this on my credit report, and confirmed in writing. ( see copy enclosed ) Equifax has never responded in writing or via e-mail to my request for a 7 year Extended Fraud Alert. On XXXX XXXX, 2016 I sent a written affidavit requesting an Extended Fraud Alert to Equifax via Priority Mail. The mailing included a copy of my WY Photo Drivers License, Social Security Card, a Joint Banking Statement with my husband XXXX XXXX XXXX, and a completed Equifax Form requesting the 7 year Alert. ( See Copy of Receipt with Tracking Number ) Equifax never responded in writing or via mail once again to my dispute or request. On XXXX XXXX, 2016 my husband XXXX XXXX XXXX spoke with " Equfax, XXXX, XXXX ''. Equifax advised that only my husband received a Dispute Number XXXX, and because my information was included with his no action was taken by Equifax , or even an acknowledgement of my letter signed by me as a seperate individual. Equifax advised my husband they could see the scanned documents including my letter, photo id, social security number, etc. in file Number XXXX. Equifax advised my husband to have me call them direct, which I did on XXXX XXXX, 2016. I spoke with " Equifax , XXXX, Fraud Department '' on XXXX XXXX, 2016. She advised me I needed to send in a separate letter as Equifax would not respond to my dispute. Equifax advised me they have assigned Case Number XXXX to my dispute and they would only put a 90 day temporary Fraud Alert on my file. Equifax told me the IG US Postal Service Report was not a Police Report, and would not be excepted. I dispute the following with Equifax THEIR FAILURE TO WRITE OR EVEN RESPOND TO MY WRITTEN REQUEST FOR ASSISTANCE WITH PLACING A 7 YEAR FRAUD ALERT AS REQUESTED IN WRITING BY ME. I have a 7 year Extended Fraud Alert on the other XXXX major Credit Bureau 's XXXX & XXXX. I have submitted a Law Enforcement Report and Case Number to verify needed 7 year Extended Fraud Alert. Equifax has in their possession all information needed to comply with my request, and still is denying my written request. Please help me with Equifax Fraud Department as they are unresponsive to my request, and unreasonable.
XXXX   XXXX  is reporting on my Experian credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.
I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.
To whom it may concern ; I have been working with AES, the loan servicer. The loan lender is the National Collegiate Trust which is a private lender. I called the servicing company, AES to seek help with my student loans, the company was resistant to work with me regarding my student loan payments. Not only were they reluctant to work with me, I wastransferred six times and told that the department supervisor would call me. I then contacted consumer advocacy to try to get someone to work with me. 

I understand that I took this loan, however, I feel taken advantage of. Considering the loan was originally through XXXX bank, in which I trusted. The contract was complicated and sent to my parent who also may did not understand the details. I was their first child to go to college and it seemed like it was our only option. I feel taken advantage of, similarly to the housing crisis 10 years ago, or those who took XXXX XXXX student loans and were unable to pay them off due to interest being compounded. 

This loan seems to be predatory to the middle class and those who do not have the proper education to make the financial decisions. While we ( my father and I ) did sign this student loan agreement and the company works within the bounds of the law, I believe they are victimizing many middle class Americans who are unknowingly or uneducated students looking to get an education that will better their future. 

To outline the financial burden I have acquired, my original loan was for {$32000.00} in XXXX, Since I have taken out this loan I have paid over {$10000.00} in interest and paid {$10000.00} towards the principal, so a total of over XXXX dollars in payments. Despite these payments my outstanding principal balance as of today is {$36000.00} and my payoff amount for XXXX/XXXX/XXXX is {$39000.00}. I have never defaulted on a payment. I did have a period of forbearance while finishing my bachelors ' degree. 

Personally, this debt seems like XXXX that I can not get out of. I pay and my principal balance continues to increase. There was a period of time that I payed {$1000.00} per month to try to get ahead and yet, my principal is still higher than the original borrowed amount. 

I am concerned for middle class families in the future with this company and the principals they operate under. While I fully understand my responsibility to make payments, I am concerned that student loans are victimizing young, middle class people with good intentions. 

I have worked with AES consumer advocacy, and they have tried to contact the lender to try to negotiate a payout. The lender National Collegiate Trust refused to respond. I am also concerned that I am not able to contact the lender. I have to rely on the ability of intermediates to discuss anything. 

I wanted to file a formal complaint about this company for two reasons. One, to be able to have a conversation with them and negotiate a settlement. And two, to advocate for financial protection of the upcoming generations. Thank you for your time. 

XXXX XXXX
On " XXXX '' website there are several HARD inquiries into my credit by " XXXX ' that are bogus. I was told that they are " AGING '' my accounts fraudulently & do not belong to me because I never asked them for money. PLEASE TELL THEM TO DELETE THIS CROOKED DATA. Thanks for any help. XXXX. 

PS : If they have any documents from the internet those are fakes.
On XX/XX/XXXX XXXX XXXX XXXX, ( XXXX ) and XXXX XXXX XXXX, ( XXXX ) company submit a complain to American Express Fraud Department in regards of Unauthorized Transaction by our EX employee. We provide them information in writing that We did not hand over the AMEX credit card to our EX employee. it was left in Office Safety Box and we still have that Credit Card in our possession. At first they issued total amount {$4500.00} after we received a letter confirmed refund those amount but on XX/XX/XXXX they took those amount back and denied out claim. we mention that He may have made Duplicate Card. Transaction are below : Credit Card ending XXXX ( XXXX ) Closing Date : XX/XX/XXXX Unauthorized Charges {$4500.00} AMEX ( XXXX ) Card Closing Date : XX/XX/XXXX Unauthorized Charges {$370.00} I have attached all documents that include all amount in detail and other submitted complain records.
They have been reporting a old child support account since XX/XX/XXXX. I disputed it in XXXX and was told that it was deleted because it had been more than seven years since it first became delinquent. I received a copy of my credit report yesterday and the account wasnt on the credit report I got. Now its back on there and I had to dispute it once again because they claim that the first date of delinquency is now XX/XX/XXXXof this year. I have a copy of payment history which is from the creditors showing whats being reported is a lie. I dont understand how a negative account can show on my credit report for ten years. They dont report child support in a way to help your credit and thats what I told the guy. Equifax in my opinion re-aged that account in a way to make money off of me. I can prove that account isnt showing on this report I got yesterday and they admitted that the first date it was reported wasXX/XX/XXXX. I feel like Im being treated very poorly by the company and not to mention the breaches that keep happening. Please help me hold them accountable and I have no problem sending you the documents I have to prove that division of child support wasnt on there
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
I check my reports ever month. This month my Transunion report dropped me from a score  XXXX  to  XXXX . All the factors such as debt used, payment history, new inquiries, etc. were the same as last month. I spent over an hour on the phone with several people at the agency but got nowhere. The say they have different information and score but wo n't tell me any of it unless I subscribe to a {$9.00} monthly service. They can not tell me why they dropped my score by  XXXX  points and my factors changed this month or which ones did. Bu contrast  XXXX  has the same info and a score for the last year and still this month of  XXXX .
I have tried to open an on-line dispute on several accounts with both Equifax and XXXX. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for Equifax, I do not have the conformation number for XXXX. 

Today I was finally able to get through to the XXXX Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing. 

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency! 

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.