WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX XXXX, the licensee speaking on behalf of XXXX XXXX who is a consumer in my XXXX and is XXXX XXXX. We have been attempting to go receive copies of XXXX 's Bank Statements and assist him with closing the account for the last few weeks. We have visited 2 Wells Fargo branches, however, they are insisting that we bring someone with the Power of Attorney for XXXX XXXX. However, as XXXX is NOT conserved, there is no one with the power of attorney and should be able to receive his documents upon requesting them at the branch. His SSI benefits were cut in XX/XX/XXXX, and we are attempting to assist him in getting them back. SSI is asking for the bank statements and requesting the account be closed before they can consider giving his benefits back. Any help on the issue would be greatly appreciated.
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that Equifax, XXXX  and XXXX remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories.

I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.
I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.
I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.
We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.
I 've had a Bank of America credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Bank of America was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? " No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't " the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive.
I am being harassed daily by a company about a car, I know nothing about. I'm a victim of identity theft. I'm getting calls of them threatening to come to my job and residence and garnish my checks as well. Please help me.
Experian forces their customers to cancel an account via telephone, however the wait time to speak to a representative is consistently over one hour. I waited nearly two hours before speaking with someone ( see attachment documenting the call-time via my wireless provider ). 

The wait time is unreasonable and is clearly intended to draw frustration in the hope that consumers do not follow through in canceling their account. This experience is not unordinary and has become common enough that it's likely a customer retention strategy.
Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
Optimum Outcomes Inc is the company. 
Ive spoken with this company multiple times about this collection. 
This is not my bill or collection in any way. 
They told me this collection was opened on XX/XX/XXXX. 
Ive tried to investigate what took place on this date and why is there a bill on my credit report. 
They then told me the collection was opened XX/XX/XXXX. 
The collection is {$540.00}.
I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
To Whom It May Concern, I am a co-signer on my son, XXXX XXXX XXXX loans. I became XXXX XX/XX/2010. I spoke with them about taking me off the loan because I had no ability to pay this loan. This began an avalanche of threatening phone calls. I ca n't help my XXXX or my lack of income. You can not work with these people. My son and I spoke with a gentleman at Navient/XXXX about making 12 consecutive payments to have me removed as co-signer. My son set up pre-arranged schedule autodraft payments to satisfy the requirement for taking me off as a cosigner. My son made each and every payment as scheduled by Navient/XXXX. When the 12th payment was complete, we called to have me removed. Each person that we spoke with did not have any record of the arrangement and stated one of the payments was late even though it was scheduled by them to be autodrafted out of my son 's account. 

In addition, I asked for a copy of the individual loans complete with signatures and got some documents but none were signed. I again requested the documents and was told they were not available and even if they were available, that I could not have access to them. 

Some time later XXXX had an agreement with them to make payments at a specific interest rate ( 3 % ). After paying as agreed for a year I received a phone call threatening default. I asked if XXXX had made payments as agreed and why he was behind when they had processed the payments per the agreement. They had no response but that he was behind and if additional payment was not made it would begin legal proceedings. 

The most frustrating part of it all was the lack of communication and the lack of records kept from previous interactions with XXXX/Navient. Each person we would speak to would have record of any of the previous calls/interactions with their company and we would get transferred to multiple departments. The whole time I felt like I was receiving the run around. My son and I tried to continually make arrangements with the company but they had no records of previous communication. We asked for records but they refused to give us anything. We finally gave up and hired a lawyer. Awaiting default/collection notice as the loans defaulted XX/XX/XXXX or XX/XX/XXXX and still not communication.
I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review Transunion and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.
I voluntarily gave the car back because they said there would be no ending balance because they were going to auction off the vehicle.
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days inXX/XX/2018 but not 30 days late. In regards to XXXX   XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to BESTBUY/CBNA XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
There are multiple misspelling of my name and someone else 's name and social security number on my report. Multiple addresses I 've never resided.
Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!
XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update EXPERIAN, nor will Experian follow suit with the correct information being reported to XXXX and XXXX. I have disputed through Experian and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to Experian and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from Experian, and they continue to harass me with phone calls despite my communication via Experian ( disputes ) that the debt was discharged.  Furthermore, I informed Experian that XXXX and XXXX had the same account information reporting correctly, but Experian refuses to follow suit. 

Thank you for your assistance.
There is either an internal breach or internal employee fraud. I am a victim of credit fraud 4 times in the past year. First with  XXXX   XXXX   XXXX  , which was deleted and corrected immediately. I called Transunion to gather info on placing an alert etc. I gave my personal information to confirm. Appr ox 90 after the ale rt, I got a fraud inquiry from  XXXX   XXXX   XXXX     XXXX . I called Transunion again to confirm it was fraud and got info to fix it. immediately a day after I called I got another  XXXX   XXXX   XXXX    XXXX   XXXX  during while a 90 day fraud alert was already on file. I also called  XXXX   XXXX   XXXX   and confirmed that they will place a stop on all credit offers inlcuding other companies. Due to my illness and treatment, i was only able to call th is Monay to follo w up on setting up an extended fraud alert by calling Transunion. I gave the rep my personal information to gather steps to correct it. My 90 day alert was placed till  XXXX   XXXX . The same day  I called,  I got an inquiry again from   XXXX   - but  XXXX  this time. I confirmed both companies have outsourced call centers in  XXXX  and  XXXX . But there are too many coincidences and actions that point to  XXXX  and TRANSUNION. THe initial fraud, which is isolated to   XXXX   XXXX   causes consumers to call the credit reporting agencies to begin the process of reporting fraud. After that is done, then you can see a consistancy in the repeated frauds between Transunion and  XXXX   XXXX   XXXX  . The first time after a call, the fraud operator exactly knew when the 90 day alert would be done and ran my credit after through  XXXX . I did not immediately place alert after first fraud so it inclinates that the person was exactly aware of the 90 day placement. When I called in on it to Transunion and placed another 90 day alert, then immediately i got another   XXXX    XXXX  fraud the next day. I called again this monday to transunion and that same da y I got fr aud inquiry from  XXXX   XXXX . Both were pushed through with a 90 day alert active. Everytime I have called Transunion, I experience a fraud inquiry  ; one right after 90 day mark and two push ed with active 90 day alerts. all three fraud inquiries after the intial fraud inquiry are from   XXXX   XXXX   and right after I make a call to the call center to Transunion where they pull up my personal information. The Cal l Center in Tra nsunion is in  XXXX  and the  XXXX  call center is in  XXXX . I dont believe the hiring proces s etc may be as diligent as the U.S., so to have our personal information be easily accessed by foreign contracted companies without the proper adherence and vetting that we are used to in the states leaves U.S. cons umer susceptable to repeated fraud. All fingers point to Transunion and  XXXX  after the first initial fraud is done. It seems that once a consumer calls Transunion and gives permission for the foreign based rep to pull their credit report, suddenly there are inquires from   XXXX    bank that is either timed perfectly between alerts and or pushed with an alert already on there. Please contact me at  XXXX  for dates and further information
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.
In XX/XX/2017 synchrony bank stopped sending me bills. I called on more than 2 dozen occasions, they said it could take up to three billing cycles. I never saw anything till some lawyer I never heard of sent me copies. They listed me as uncontactable and behind when I said no bill no payment. They wouldn't fix my online login, they told me they mailed and that's all law requires. At the same time they told me all bills sent were returned. I can't find a consumer rights lawyer near me, I just know by federal law this isn't right or even legal.
Despite repeated requests to cease contact to business phone number, attempts to contact my wife, leaving message about debt, continue.
Experian, XXXX, XXXX XXXX  reporting illegally aged account.

XXXX XXXX XXXX  XX/XX/XXXX TRUST These agencies all show a loan from XX/XX/XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years.

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt.

But XXXX XXXX re-aged the debt to XX/XX/XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report.

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
On XXXX XXXX, 2016, I filed for Chapter XXXX bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I applied for a loan from XXXX. I was given a rejection with Clarity Services listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed. 

Whoever Clarity Services is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX XXXX of Indiana, is XXXX - identification has been uploaded.