WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.
Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.
I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, Experian & XXXX  asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation?
" XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone.
I had a balance transfer check returned as I made it payable to myself "  XXXX   XXXX  '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.
This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact them.
I was in the process of being approved for an FHA loan to buy a house when someone stole my identity. I had been working on getting my credit in good standings for almost 2 years when this happened. My score dropped from a mid-high XXXX to a low-mid XXXX. I reported it to the credit bureaus, proved it was fraud, it was removed from my credit report but nothing was ever done to change my score back.
received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX
Receivable Performance Management LLC has called me repeatedly every day for the 6 months 2x may be 3 times a day and threatened to serve me with documentation stating I owe this debt. They  stated they would come to my place of employment after I have stated do not come to my place of employment, after I have stated this debt is no longer valid the original company is not persuing this debt. 

Thank you XXXX XXXX
Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.
The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest. 
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, nothing.
I have disputed this account with both XXXX and Credit Collection Services. Credit Collection Services has not been able to prove that this account they are reporting is 100 % accurate, verifiable and timely. See attached letter ( settlement offer ) they sent when I requested debt validation. This erroneous account should be removed from my credit report immediately. I have never done business with this company, nor have I ever signed a contract with this company and the letter they sent has not merit as to the validity and verifying this debt ; therefore, consumer law states that this account must be removed.
It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).
Billing dispute of {$950.00} was opened for over charged purchase, conditional credit applied to account during investigation Investigation decided in my favor, letter dated XX/XX/XXXX stated {$950.00} conditional credit would be permanent. 
{$950.00} credit was not made permanent, it was reversed. 
Attempts to contact Citibank have gone unanswered. 
My statement is now due and I had to pay the disputed amount to avoid late payment fee. 
Credit my account {$950.00} as stated in the XX/XX/XXXX letter plus interest.
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
I was shocked when I reviewed my credit report and found multiple hard credit inquiries on my report that I did not recognize nor authorized. 

Inquiry : XXXX I never authorized XXXX to pull my credit in the month of XXXX 2017. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of abuse. My only thought is that these are fraudulent inquiries.
Good Afternoon, I am reaching out for assistance as I have been attempting to work with Chase Bank in regards to a checking account that has been opened fraudulently in my maiden name ( XXXX XXXX XXXX ) and SSN. I reported this claim immediately once I had discovered that the account was showing in my online accounts on XX/XX/2018. Unfortunately this has been mishandled from the very beginning and I have been able to get very little information from XXXX in regards to the Identity Theft that had occurred resulting in the fraudulently opened an account. I am hoping that you will be able to offer assistance as I have missed work in attempts to resolve this and there seems to be very little progress. I recently received a letter stating I have 30 days to complete this claim but fear that I will be able to resolve the situation within this time frame as XXXX has not been able to tell me if they received the documents that I have sent as well as provided me incorrect instructions when I initially reported the matter. Any assistance that you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.
My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Hello, I have a wells fargo credit card through XXXX department store and I went to the wells fargo website looking for financial help by consolidating my dept into one payment so it would help me. But this is what i got instead. They figured out how much credit that could allow me which was {$3000.00}. Then they took the entire amount and made a payment to my Wells Fargo XXXX credit card. Now I have two payments that i can not afford. This is bait and switch tactics and it should be illegal. On top of that they will not give me an option to give that credit applied to my other card back to close my account. They got me in a situation THAT I CAN NOT GET OUT OF.
Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.
For the past 5 to 7 years there has been over XXXX hard inquiries on my credit report of which I am responsible for XXXX to XXXX, the most. The rest has been the actions of thieves with my social sec number, using variations of my name, addresses, false most of them, and bogus phone numbers, all that in the island of Puerto Rico. I am currently living in another state and communicated the issue to trans union the agency running most of the bogus inquiries. Their answer was to call and write the numerous banks, car dealers and financial institutions where the inquiries were made. I did but to my surprise, the answer I got from all of them is that they have no record of an inquiry, not records of my social sec number or name. Even the false names and addresses that appear on my report were not recognized. Worst is that in the end I am stuck with a bunch of inquiries that I did n't do, my score is affected miserably and trans union keep sending me to the same lenders and service providers that already told me they have no inquiries under any name or social sec number that I provided to fix the problem. However, to be fair with them, they did process a security fraud alert very quickly and took a bogus account under my name out of the report. The options I have to fix that problem is wait 2 years after each inquiry to be taken out and that for me is simply unacceptable. Any way you can help me will be much, very much appreciated.
This is the body of the letter I sent to the XXXX XXXX  in XXXX, OH. See attachments. 
1. The reason for this letter is in regard to your billing of my account. ( Refer to highlighted area of enclosed copy of your agreement titled How to Avoid Paying Interest. ) 2. This account was opened in XX/XX/XXXX in the amount of {$2800.00} for the purchase of XXXX XXXX from XXXX XXXX XXXX. 
The end of XXXX we contacted your customer service line concerning this account as we had not received a payment notification yet. We were told at that time the account had not yet been set up and they could tell us nothing about it until after XX/XX/XXXX. 
Finally about XX/XX/XXXX we received a statement on the account. To my surprise there was interest charged. This is a problem as this was the first statement on this account. Why was there interest charged? 
The account was paid in full, {$2800.00}, this included the incorrectly charged interest, and the current statement received today confirms that it was paid before the cutoff date for the billing cycle. Our bank shows it cleared your payment on XX/XX/XXXX. 
The issue here now is the fact that there is an interest charge of {$18.00} when there should be none and the {$16.00} from the first statement should be refunded. This is per, again, your agreement statement that reads Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due day each month. Which the entire balance was paid. 
3. Therefore, we request that the current interest charge of {$18.00} be removed from the account and that a refund of {$16.00} be returned to use in cash or check. This will make the balance XX/XX/XXXX.
I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.
My social security XXXX was direct deposited on my XXXX card on XXXX XXXX 2017. I was visiting XXXX ok with my son. When I got home I noticed the card was missing and reported it. The company sent me a new card. Now Incomm sent me a letter refusing to credit my account. Someone stole my card and withdrew XXXX and XXXX within two minutes from an atm. I never gave permission or my pin to anyone. I need this money to live on. I am XXXX. Please help. I am attaching the letter Incomm sent. 

XXXX XXXX
I am a victim of identity theft for the past three years. I have a valid Police Report and I was requesting blocking of fraudulent inquiries ( i.e. applications for credit ) in accordance to FCRA 605B. The customer service representative denied 605B Fraud Block and stated that the investigation has to take 30 days. I asked to be transferred to a supervisor and I was told that the investigations has been filled already, therefore, she is unable to block as per the pending investigation. I specifically requested to have that information blocked in the first place, while the 30 day investigation is pending ( in compliance with FCRA 605B ), however, both the customer service representative and the supervisor were unaware of FCRA 605B Block or they willfully did not comply.
In  XXXX   XXXX  the finance company on my car  Prestige Financial i n Utah offered me a special offer of  XXXX , my normal payment is  XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of  XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for  XXXX  to the payment in  XXXX . They claim I missed  XXXX  's payment. Every time I call I get some rude person on the phone or my account  manager   XXXX   XXXX  refuses to speak with me or go over my account or billing. She only responds via email. For  XXXX  and  XXXX   XXXX  my account manager decides to do a deferment on my account, with my next payment not due till  XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on  XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently  XXXX . This includes my payment not due till  XXXX  which again today is  XXXX . Minus the  XXXX  payment of  XXXX  that leaves  XXXX  they are saying I owe for  XXXX . I have an e-mail clearly stating that from the last payment I made of  XXXX  in  XXXX  that  XXXX  of that  XXXX  cleared  XXXX  and I now had a credit on my account of  XXXX  dollars. None of their billing ever makes sense and the account  manager  never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.