WillisBack/dataset-financial-user-claim huggingface dataset:
I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?
My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.
Please note that the issue we are having is not a selection in the " best described '' from above. 

I am writing from XXXX and we are the title insurer on the subject property. Chase holds a judgment that we need to clear because it was not cut off in the subject foreclosure action. Their debtor is the prior owner who was foreclosed upon. Our current client, the Plaintiff and Seller of the property needs to convey clear title at the REO sale, and Chase is prohibiting this from occurring. Here are the series of events for this issue : XX/XX/XXXX : XXXX Counsel, XXXX sent a proposed stipulation to JPMorgan Chase Legal Department in XXXX DE asking them to execute to extinguish the lien pursuant to the foreclosure. Chase did not respond. 
XX/XX/XXXX : XXXX faxed settlement offer to Chase to both their Judgment/Bankruptcy review department and Judgment Correspondence department. We tried to settle the lien and obtain a release. 
XX/XX/XXXX : XXXX faxed XXXX request to both departments. 
XX/XX/XXXX : Also emailed request to XXXX, XXXX, of Chase asking for his assistance since no one at Chase had responded. He was more concerned with how we obtained his email than with assisting us. 
XX/XX/XXXX : XXXX faxed XXXX request to Judgment Review. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX since we never had a response. Again, his main priority was how we obtained his email address. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX asking for him to please filter our request to the correct party. He called and was supposed to do so, however, we did not hear from any other persons at Chase. 
XX/XX/XXXX : XXXX XXXX was trying to assist us and reached out XXXX, whom they had contact with on another file. XXXX informed them that their legal counsel would not execute a stipulation because the lien in question has been paid, and they sent the release to the foreclosed owner ( former owner ), XXXX in XX/XX/XXXX. XXXX XXXX asked for a duplicate original, but they would not produce once until they had authorization from the owner. 
XX/XX/XXXX : XXXX faxed request to Judgment review and lien release dept., with the information that we had that the lien was paid ; asking for a duplicate and gave them the current owner 's authorization. We stated that we would be filing a claim with the CFPB if we did not hear back from them. 
Chase called us the next day responding to our letter stating that they would not give us the duplicate because they wanted consent from XXXX. I explained that would not be possible since he was involuntary foreclosed upon. Chase did not seem to care despite the fact that I told them we would have to proceed with our claim.
To Whom It May Concern, we have been fighting our previous loan servicer XXXX XXXX XXXX, XXXX, hereinafter referred to as XXXX, for several years. We had sent them numerous letters in an attempt to find out who the actual beneficiary is to our debt obligation. We disputed the information XXXX provided to us in regards to ownership. Now, XXXX has notified us that the servicing to our debt obligation has now been transferred to Fay Servicing. Fay Servicing has notified us that as of XXXX XXXX, XXXX, not only has our loan been transferred to them, but our debt obligation has allegedly been sold to a new entity. We adamantly dispute this information. This information does not match up with the records in the County Recorder 's Office. We are in the process of attempting to solve this matter. We have not done previously because the servicing rights were just acquired by Fay Servicing. Our biggest problem is that we know for certain Fay Servicing is a debt collector and not a creditor. When XXXX acquired the servicing to our loan back in XXXX, our debt obligation was in default and we have been in default since XXXX. Based on the fact that Fay Servicing has now acquired the servicing, they are debt collectors according to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, without a legal right or authority to attempt to collect on the debt obligation or proceed with the enforcement of the security interest. We also have taken notice that our loan number has changed. 
We do not recognize the loan number they have assigned. In order to assign a loan number to an old debt, the old debt must be paid off. They can not create a new debt with an old debt obligation simply by giving it a new loan number. We understand that pursuant to the FDCPA, they are prohibited from threatening to take a non-judicial action to dispossess or disable us from our property when they do not have a legal right or authority to do so. To proceed with a non-judicial foreclosure against our home would be in violation of Section 1692f ( 6 ) of the FDCPA. We have been fighting this ordeal for nearly 10 years and every time we try to do something, our debt obligation gets transferred. Being in this position has forced us to learn about the law and what options and laws are available to us according to the U.S. Constitution. We presently are facing a foreclosure date set for Friday, XXXX XXXX, XXXX at XXXX p.m. We are bewildered as to how could they can proceed with a foreclosure sale when both the servicing and ownership has been allegedly transferred. We know for certain that this is a violation of California foreclosure laws. We are filing this complaint because we are beyond frustration, fear and anger. We are exercising any and all options available to us to avoid being victims of a wrongful foreclosure. We believe that if we do not file this Complaint, Fay Servicing will continue to disregard the law as their predecessors did and they will fraudulently and wrongfully foreclose on our home. 

Respectfully submitted, XXXX XXXX and XXXX XXXX
This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.
This complaint is against Chase freedom visa credit card. I have been using it for more than a year but I have started having issues with this card. I see some of the transactions that do not belong to me nor were they authorized by me. Id really appreciate if you could resolve this issue. I made a complaint to Chase freedom directly and they have cancelled the card. A replacement card has been issued to me, however I still see the charges on my account and hasnt been dismissed. Id like to request u to cancel the following unauthorized charges : 1. On XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX 2. On XX/XX/XXXX - {$370.00} XXXX XXXX 3 . On XX/XX/XXXX - {$21.00} XXXX 4. Theres a charge of {$59.00} in the name of XXXX on XX/XX/XXXX, 2-charges of {$140.00} on XX/XX/XXXX and few charges of {$16.00} on the same day. I really dont understand them. Please help!
On XX/XX/XXXX. After verifying that that XXXX was misreporting my dispute I sent through CFPB with XXXX XXXX accounts as fraud, I contacted Equifax to see if the complaint sent to them as mislabeled as fraud as well. The representative verified the XXXX dispute was labeled as fraud. I contacted CFPB and was told that the CFPB does not place labels on complaints & that they just forwards the complaint. Equifax labeling the compliant as fraud is inaccurate because : 1 ) Reference CFBP complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 2 ) I also found out that Equifax placed a fraud alert on my account without my expressed written permission through notification in the mail. 3 ) Equifax most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 4 ) When I logged in to find who was my servicer of my loan previously, it was not XXXX. It was XXXX, who is the US Department of Education 's default resolution group. 5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently.
I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.
I received a statement from " XXXX '' who bought the loan from " XXXX '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of {$820.00}, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional {$100.00} a month to correct this mistake. I was very clear to the XXXX loan representative to insure that the impound account also included the " XXXX XXXX '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a higher monthly payment now. We 're both XXXX on a fixed income and when calling XXXX XXXX from XXXX, he wanted to pass the blame to escrow and the title company. XXXX originated the loan and are licensed to insure that the loan amount included all the required taxes and they failed to do this.
XXXX XXXX XXXX, ACCT.NO.XXXX .... is wrongfully appearing on my Experian credit report.XXXX financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved. 
The manufacturer and the lender.XXXX XXXX XXXX doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has 0 value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT. 
YET, the financial branch XXXX XXXX XXXX wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.
A customer was unhappy with a ring I made for him and filed a chargeback with Amex. They took my money away and let the customer keep the ring. 
It is the customer 's fault he does n't like the ring. I told him that the ring needed to be wider than he wanted it, but I made it the width he asked for anyways. He approved my XXXX renderings of the ring and saw pictures of it before making the second payment. He also chipped a stone after wearing the ring for a month. So how does AMEX think it 's ok to take my money and let him keep the ring? 
I have email trails of all of this.
I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : XXXX XXXX XXXX
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/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 ; 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 ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
On my TransUnion report there is a collector by the name of XXXX XXXX XXXX..this particular debt was previously disputed and removed as a result of fraud..it has since been sold and bought by a different collection agency ( XXXX XXXX XXXX ) ..I am requesting that it is removed from my report as it was previously done.
On XX/XX/XXXX I started a dispute with Equifax ( Case # XXXX and XXXX ) for the removal of a XXXX XXXX from my credit report based upon it does n't comply with the new XXXX XXXX  reporting standards which went into law onXX/XX/XXXX. According to the new rules : Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

The tax lien in dispute was filed on XX/XX/XXXX by the State of Georgia in the amount of {$4000.00} in the XXXX XXXX XXXX XXXX XXXX Georgia. I have provided a copy of this lien to Equifax identifying that it does n't contain the correct information to be reported on my credit report. The document fails to list my complete social security number and date of birth, which according to there above new rules requires the lien removed from my credit report. On a side note the lien has been released and is no longer in effect. I have successfully had this item removed my XXXX and XXXX based on these new rules. 

I have spent hours on the phone with Equifax and have had Equifax representatives tell me that the document does n't provide the correct information but they are unable to remove the item unless initiate a dispute to which I respond that I have already filed two disputes and then they respond with I have to file another dispute. Thank for your time by looking in to this matter.
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! 

Please help me get these off my credit report. 

Someone said that if they don't have the fake loan paperwork then it has to come off my credit? 

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX  XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. 

What should I do to get this resolved? 

Thank you so much, XXXX
Account Identification Number XXXX - XXXX XXXX During some financial trouble, I made arrangements for a payment plan with XXXX. I made all of my payments as agreed. In XX/XX/2018, my automatic payments stopped coming out of my checking account. I called the customer service line to find out why and to make sure the payments were reinstated. I was told they were. The next month, the payments were still not coming out of my account so I called again. When I realized that the automatic payments were not set up again like I was told they were, I began making the payment online via the website. I was notified that the account was reported 90 days past due on my credit report. When I called to find out why the account had been transferred to a collection agency. They told me that I had been taken off the payment plan back in XXXX, but I was NEVER notified. I have made all the payments per our agreement on time. They have been reporting my account late as well as charging late fees to my account every month which have accumulated to over {$230.00}. My balance is {$500.00} - That is 1/2 my balance! I would be happy to pay the card off now, but do not feel that I should have to pay those late fees. I called customer service numerous times. I was told my account was being re-aged and the late fees were being removed, but then when I received nothing in the mail verifying that, I called back today only to find out that this is not happening and they are still reporting my account late.
There are credit inquiries that I do not recognize. Also I feel that I should not have to send my identification to get my information that they have no rights to. My scores on the XXXX are way lower than on the 3 major credit reports.
TransUnion is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, TransUnion opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID TRANSUNION SEND TO THE FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with TransUnion for being Non-Compliant with the FCRA by not verifying the consumer applications.