WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX. 

If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?
XXXX XXXX responded to complaint XXXX, however has failed to show documentation requested. XXXX XXXX admitted my husband was supposed to open 2 accounts but only opened one. What they did is combine monies from my husbands 401K/IRA with a joint account held by both my husband and myself. Now they say the account was not set up. Essentially, they stole my money, over {$81000.00}. I contacted the man on the response letter and he said he didn't write it and would check into it. I have had no further response. This money in the 401k/IRA now is taxable, unless rectified. I have requested the transfer forms from XXXX XXXX that they sent to XXXX XXXX XXXX to transfer the monies from them to XXXX XXXX.I signed for the transfer and account setup with XXXX XXXX. I contacted them after I was refused log in to access account.They said I had no account with them. XXXX XXXX has participated in theft and refused to address the situation at that time. I have not received any response or the information I requested.
XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.
1. I immediately filled for IBR immediately after President Obama 's State of the Union in XXXX. I am a XXXX and was told that after 120 payments my loan would be forgiven. Under the new system we were allowed to claim as far back as 2 years. So I filed with XXXX XXXX at the time. XXXX XXXX. 

2. Navient purchased themselves ( XXXX XXXX ) and I was informed nothing will change but the name. So I paid my loan as prescribed under IBR sometimes {$0.00} and each year provided proof of income. 10 years meant that inXX/XX/XXXX I would be free of these loans under IBR and when I inquired I was told I had only been in IBR 3 years. Which is not true. I asked for the loan forgiveness and was lied to by NAVIENT. 

3. So I filled again for IBR well before the deadline of XX/XX/XXXX I waited and then in XXXX I received a notification that my IBR was approved for {$840.00} per month. What? So I called NAVIENT on or about XXXXXX/XX/XXXXand was told by the representative that I need to resubmit the IBR form and current pay stubs. So I did online. I was informed that it would take XXXX days. 16 days passed and no communication. So now I am coming up on the payment for XXXX. It is mid-month so I resubmitted the forms VIA traditional Fax. Again waited ... 11 days. No actin and NO communication. So I called Navient on XX/XX/XXXX. 

4. I spoke with XXXX XXXX and he informed that since the loans are under my ex-wife 's name and she is a teacher making very little we qualify for PAYE or REPAYE and need to make XXXX payments -- see above. So I said okay let 's do this. I repeatedly asked him to make sure that this is for account number xxxxxxx. He kept shrugging it off then said I just need a payment of {$740.00} on a credit card. I figured okay this must be to satisfy my payment. Then he tells me XXXX will be taking care of me and we will be on the PAYE plan. 

5. I keep receiving e-mails from the XXXX XXXXXXXX XXXX XXXX and XXXX. In the meantime NAVIENT is hounding me for the XXXX payment. I contact XXXX and they tell me it will be 6-8 weeks until the loan is under PAYE/REPAYE. So I wait. 

6. I fax ( phone ) NAVIENT explaining what is going on and they put my payment at {$0.00} as administrative forbearance. 

7. TODAY XX/XX/XXXX I received a letter from Federal Loans telling me I do not qualify for the consolidation since NAVIENT has placed my loand in consolodation as IBR. Sooooooo here I sit having paid an enormous fee via NAVIENT, through their rep -- XXXX XXXX, and am NOT receiving what I am paying for. I was scammed and now XXXX XXXX and XXXX have my money with no results and I am on IBR again and not PAYE/REPAYE. 

This is absurd.
The company Peak Legal Advocates XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Main Number : ( XXXX ) XXXX I join this Debt Settlement Company XX/XX/2016 Mr. XXXX XXXX XXXX signed me up. I had reservation about this company but Mr. XXXX convinced me that this debt company would be good in helping me with my creditors. To make a long story short Mr. XXXX no longer worked at this debt settlement company and my creditors information was passed on to people that stole my funds that was suppose to payoff my creditors. Please I do not want to explain my complaint through this email so please contact me so that I can submit my documents showing proof how I was defrauded by Peak Legal Advocates. 

Sincerely
Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls.
I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.
I contacted discover card customer service and they were completely rude. I called them because there were some charges to my card that I didn't make but they are still making me pay them.
I am filing this complaint because I have tried several times to file a claim for fraudulent activity on my Wells Fargo accounts. Money has been transfered online from my Personal Line of Credit to my checking accounts in large amounts then withdrawn out of the ATM right after. None of this activity was me. There also were two payments onto the personal line of credit online that was not me also. This activity was from XX/XX/XXXX to XX/XX/XXXX My first claim was made in XX/XX/XXXX. My claims have been denied due to their reasoning stating that I authorized these transactions because it was in my account. These transactions are withdrawn in large amounts. There was no need for me to need over {$5000.00} in such a short amount of time. I do not have any other bank accounts and did not make any large purchases around this time. In XXXX of XXXX, I received a new debit card due to a lost wallet. I have continuously asked for the surveillance for these dates to be released because none of the activity with my personal line of credit was authorized by me. When I make a claim with personal line of credit claims they tell me to make a claim with the checking claims. When I make a claim with the checking claims they tell me to make a claim with the personal line of credit. I have been given the run around for months. Whoever is using my card at the ATM has all of my information and is making online transfers so they have my PIN also. They have all of my information. My credit card with Wells Fargo has been closed due to this activity and both of these closed accounts ( Credit Card and Personal Line of Credit ) have been closed late XXXX and appear on my credit statements! These dates and amounts are as follows for online transfers AND withdrawals : XXXX {$300.00} XXXX {$700.00} XXXX {$500.00} XXXX {$700.00} XXXX {$700.00} XXXX {$480.00} XXXX {$240.00} XXXX {$600.00} XXXX {$700.00} XXXX {$800.00} XXXX {$500.00} XXXX {$700.00}
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Sevice to Equifax, disputing inaccurate reporting of bankruptcy on my credit report. 
The letter was signed for by a representative of their company on XX/XX/XXXX. 
( See attached letter ) On XX/XX/XXXX and again on XX/XX/XXXX,  Equifax responded to my complaint and stated that the information was " verified. '' On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service, to Equifax requesting that the description of the procedure used to verify the accuracy and completeness of the information was hereby requested. Signed by a representative of their company on XX/XX/XXXX. 
( See attached letter ). 
On XX/XX/XXXX Equifax, once again sent the the identical letter as " verified, '' with no explanation of the verification procedures. Only stating that public record information is obtained through a third party vendor, XXXX XXXX. 
On XX/XX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service to Equifax once again, explaining to them that the Bankruptcy Court does not report to credit agencies, nor have a relationship with them. I included a letter, obtained by The Federal Bankruptcy Court. This was signed by a representative of their company on XX/XX/XXXX. 
As Equifax continues to report on my credit report, Chapter XXXX Bankruptcy, reported by XXXX Federal Bankruptcy XXXX-XXXX, XXXX XXXX XXXX XXXX, PA. 
( See attached letter ). 
On XX/XX/XXXX I personally called Equifax, and spoke with a representative, and told her about the numerous attempts that I have made to have this erroneous information removed were futile. She stated that I should submit an online dispute, which I did on XX/XX/XXXX. I again, included the letter from The Federal Bankruptcy Court, stating that they do not have a relationship, nor report to credit agencies. As the information listed on my credit report is listed as being reported by XXXX Federal Bankruptcy Court, XXXX, PA. 
On XX/XX/XXXX, Equifax once again " verified '' the information. 
On XX/XX/XXXX XXXX XXXX responded to my initial letter on XX/XX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
( See attached letter ). 
I am filing my complaint today in order to have Equifax remove this inaccuracy from my credit report.
On XX/XX/XXXX, I sent Ocwen Loan Servicing , LLC a QWR letter via certified mail. 
On XX/XX/XXXX, I received the green certified mail receipt confirmation signed by an agent for Ocwen and stamped " XXXX XXXX ''. 
I have not received any other written communication from Ocwen acknowledging the receipt of the QWR. Does this certified mail receipt constitute acknowledgement " withing 5 business days '' or are they required to send a letter to me? I want to ensure that they are complying appropriately with their servicing responsibilities, but I do not want to harass them unnecessarily.
CHASE HAS LOST ALL MY INVESTMENT ACCOUNT THAT I HAD WITH WASHINGTON MUTUAL AND 401K PLANS AND REFUSES TO GIVE ME MY DAUGHTER SOCIAL WHEN I SHOWED THEM I 'M THE ACCOUNT HOLDER
Since   XXXX   no lender has been able to access my credit an error is returned "  XXXX  '' through my own research I found this is an error code triggered due to a mis-match between my SSN #, name and address. I have faxed the requested to Equifax, however over the last 8 months and so many calls I can not get anyone from Equifax to fix the issue because of their ineptness. as a  XXXX  person I 'm trying to get a mortgage so I can move into a more suitable home that is more accessible for my  XXXX . I have a contract on a home however the lender ca n't pull my file due to this issue. TIME IS OF THE ESSENCE as my closing date is rapidly approaching.
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. 

I am providing further information to support my dispute
XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.
In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.
Experian sent back a partial response on XXXX/XXXX/2016 stating that the will respond within 60 days. By law they do not have 60 days. Experian has 30 days to respond to my complaint. Case number : XXXX this is the number connected to the case.
This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, Experian.com of XXXX XXXX and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a Experian credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec 605B to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. 605B. 
Experian supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate Experian to block negative inaccurate items from my CR under FCRA sec 605B. Experian supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for Experian and ask for it to be removed. XXXX promised me that if I convinced Experian 's subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in America for ALL XXXX CRAs! 
Incredibly, Transunion has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my Transunion and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all three CRAs in XX/XX/XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order Experian, XXXX, and XXXX to delete this Public Records based on identity theft content from my file. Experian supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :
Submitted identity theft affidavit and items are still being reported on my Equifax credit report.
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.
My family and I are waiting for a response from Nation Star regarding the two payments for XXXX and XXXX, also why were we told the modifications was rejected because we rejected it when in fact we did no such thing. Why XXXX in XXXX may or may not what's going on with an account but those in XXXX do or vice versa. Please see this ongoing sega as I will upload documents from XXXX. We are still sent tax collections and told to pay them by Nation Star tax statements.
Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.