WillisBack/dataset-financial-user-claim huggingface dataset:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX
In XXXX our family experienced a financial set back. We discovered our home had XXXX Sheetrock and had to rent while we waited for our home to be made safe again for our family of XXXX. I reached out to Navient/XXXX XXXX in XXXX when I could not keep up with my private student loan payment, asking for some sort of grace while we continued to deal with our financial crisis. They informed me that there is no help for private student loans. We eventually got to a point that we had to choose between living expenses and student loans. We stopped paying Navient/XXXX XXXX. We finally had resolution for our housing crisis last XXXX. Now that I am ready to deal with XXXX XXXX, I am overwhelmed by what I face with them. They have added multiple fees and Faithfully report each month negatively on my credit report.
ALLY FINANCIAL, they have done this to me twice, they call 3-5 times a day after you are late 5 days, they offer you a loan extension to place the owed payment on the back of the loan if you pay right away, once you pay, you get a call usually about 10 days later, but in my case they called about 7 days later requesting back payment, I informed them of the extension payment and they tell you that you had to sign and return by mail, not fax, or email this letter, once I told her that its not been 10 days, shes says my extension request was denied ..there was never a mention of any letter, just payment
In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.
Spoke with XXXX at XXXX XXXX. He reports the case is closed and all I need to do is dispute it to remove it from my credit report
Billing dispute confirmation number XXXX, amount {$18.00}, XXXX. Dispute filed XX/XX/2018, per the email confirmation from Capital One, a temporary credit is supposed to post within ten days. Ten days has passed and a temporary credit has not posted.
I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of   XXXX    and Experian. It is past the  seven  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to   XXXX  . I have made no payments whatsoever past   XXXX   yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
In XXXX my monthly payment increased to {$1.00}. The billing department could not explain why. Since they did not receive the addtional {$1.00}, my payment was processed late and late fees plus interest charges were applied to the following month 's payment. This continued on for 4 month 's with compounding interest and late fees mounting. I have this account set up to pay the same amount every month through my banks bill payer. I should not have to review the paper statements every month to know what my payment is going to be although the gentleman I spoke to said it could fluctuate? I do n't use this card for anything, have made no other purchases on it. Why should my monthly payment fluctuate? This does not occur on my other credit cards. Now my charges have come to almost {$300.00} in late fees and compounded interest over the past 4 month 's. This does not include the regular monthly payment. So in summary, they are now trying to collect almost {$300.00} for a {$1.00} short payment.
RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.
I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.
I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop them
Took out a payday loan from Ace cash a check in XXXX XXXX, TX.paid back, then took out another, could not afford to pay back, tried to set up playment plan, they told me I could no longer pay them, the debt went to some other company, that company has been sending me harassing e-mails, threatening to sue me and garnish my paycheck and jail time, I also get phones calls from this phone number XXXX and now they are calling my job from XXXX and being very rude and threatening. I can set up a payment plan, but I do not trust the people calling as when you call those numbers back nobody ever answers!! Please help to what I need to do
In  XXXX     2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of  XXXX . I have never been late in the 2 years I have had these accounts.
I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....
I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.
I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.
I am about 7 months past due on my mortgage due to loss of income. I now have sufficient income to make my mortgage payments again due to being a XXXX veteran so I submitted a modification package to this company on XXXX/XXXX/16 because they are trying to foreclose on XXXX/XXXX/16. They confirmed that they have a complete package and it is in review even sent me a letter to confirm yet they refuse to postpone the sale date until they have a chance to review. I told them this is called dual tracking and is illegal. They said they did n't care and will not postpone the sale date. Please help me, I want to keep my home. I served this country and in the process became XXXX and now I 'm losing my home. All I want is to keep my home now that I have the sufficient income and I am not even that behind on payments. Help me please!
This complaint regards the way Citicard handled the following dispute : We booked four nights at the XXXX XXXX and XXXX XXXX XXXX XXXX for XX/XX/XXXX, 2018. We booked after speaking to the owner over the phone and inquiring as to whether there was any mold in the room we booked, as I am an XXXX  who is highly XXXX to XXXX, and I know that rooms near the ocean can often be damp and moldy. He assured us there wasn't. ( The website also stated that the rooms were XXXX free, ) We paid a deposit and upon arriving paid the balance, though the innkeeper ran our card two times as he thought there was a problem the first time he ran it through. When he took us to the room, there was an unmistakable smell of mold, which immediately led to a reaction. We spoke to him about it, but he claimed that it was not a problem/ Instead of leaving immediately, we told him that we would open the windows, take a long walk, and try to air the place out, but if that didn't solve the problem, we would not be able to stay there. Upon returning, the smell of mold had not dissipated, and we told the owner we could not stay there. We never took " possession '' of the room -- we mere ; y put luggage in the room and then, upon returning from the walk, took it out. We fully had intended to fulfill the contract we had signed, had the conditions been as they were described by the owner and on the website. When we initially spoke to Citicard, they told us they " had our back, '' and, after submitting a dispute, the charges were conditionally reversed. However, when the innkeeper wrote back, all charges were reinstituted, including the double charge that even the innkeeper indicated himself was a mistaken charge in his letter to Citicard. After numerous phone calls, we were able to get the double charge that was no longer in dispute resolved. However, we wrote another letter in response to his letter ( which was full of inaccuracies and outright mistruths ). We received a letter back from Citicard indicating our dispute had been closed and that we would have to pursue other means to get our money returned. Had we lived nearby, we would have sued in small claims court or whatever the XXXX equivalent is to that. However we live over 3,000 miles away. 

Citicard has all the documentation in relationship to this dispute, though I believe, based on their total disregard about the lack of a dispute regarding the double charge, they were going through the motions with this dispute and did not read anything very closely. Instead, they reflexively sided with the merchant and, although I documented what happened in writing and I spent a good deal of time on the phone with them, they ultimately refused to consider the validity of our complaint. After closing the case, and after asking if they could be of any financial help to us, Citicard did refund us {$20.00}  out of their dispute " slush '' fund, but this was at best an empty gesture and at worse an insult of the highest degree. It was the innkeeper, not us, who broke the contract, but we are ones who are out over {$800.00}.
My sister took out a high interest loan with this company, then lost her job and defaulted on the loan. I am not a party to the loan in any way, shape or form. The company somehow figured out I am her sister and started calling me. I have received more than ten calls from a variety of telephone numbers. One person asked for my sister by name and when I explained I am her sister, they blasted very loud and menancing music into the receiver. Another time, a recording asked for my sister by name. Now they call frequently at all hours. My research indicates it is illegal for collection agencies to contact debtor 's family members, but they keep harassing me.
LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.
I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.
Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 by paying off completed credit card balance. Chase also responded to CFPB that credit card has been paid and closed.I have only used this card for purchases, bills payment and same is part of the CFPB and statement records. I never ever used this card for any other benefits ( any kind of insurance or coverage ) since the day I opened this card to closing dated XX/XX/2018. I have dedicated employee benefits and other companies, which have been paid from my salary and employer account. Hence, I never used chase credit card for any kind of insurance benefits. Surprisingly, I have received a letter from chase ( received on XXXX XXXX over USPS ) that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have no idea, why chase is talking about closed credit card benefits. First of all, I never ever used any of the benefits from chase since the day I opened to closing the credit card dated XX/XX/2018. When the credit card is closed with XXXX balance, all the transactions and everything related to credit card should be declined and closed effective dated XX/XX/2018. Chase kept on sending fraudulent notices and some kind of changes to closed credit card benefits, which is unlawful and fraud. I will be filing official complaint at Concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter saying that chase is not manipulating my closed card and what kind of unlawful benefits mentioned in their letter. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits at any point of time using my individual credit card. Chase credit card company has been committing unlawful activities and creating troubles to customers and chase has been harassing customer after closing the credit card.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom It May Concern : I am in receipt of your letter stating that the XXXX XXXX XXXX XXXX XXXX was updated and verify and the dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX, XXXX
I am in the process of purchasing a home. I pulled my credit report only to find over 15 credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( 4x ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX XXXX- XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.