WillisBack/dataset-financial-user-claim huggingface dataset:
I 've requested documentation regarding the Overdraft Fees reported to XXXX and they refused. They are withholding important information I requested because I contacted Office of Comptroller and Currency. I told XXXX Chase can not withhold information from the customer accounts. According to FCRA, they have to provide derogatory information they supplied to XXXX. 
On XXXX/XXXX/16, XXXX XXXX told me " Since you reported J P Morgan Chase to Office of the Comptroller of Currency, they would not provide the information ''. XXXX refused to provide the information she called me about. In addition, XXXX told me they got my online request to close the account and they did not close it because there was a pending transaction. I stressed to them that I am a victim of Identity Theft so closing the account would avoid further overdraft fees. I asked XXXX the same question and she said " the account at XXXX are all fees '' then contradicted what she initially said " the accounts not on XXXX are the accounts with overdraft fees. I still do not understand why they would hold overdraft accounts for 2 years then place it on XXXX. 

I would like bank statements from each account including paid off accounts. J P Morgan Chase would hold deposits to accrue NSF Bank Fees to make more money. Then have their collection department harass the customer. J P Morgan Chase has refused to provide information to clear up this issue. As a previous Chase Manager with a team, I know all the representatives in the call center and in the branches have a set quota for opening checking account and other products. If they do not meet the sales goals, they are placed on Corrective Action or terminated. Inside the bank and sales department were opening accounts and customer did not authorize the opening. Therefore, in an effort to meet goals they apparenting do not check their resources such XXXX and XXXX.
I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.
I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
Ocwen loan servicing llc XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
My name is XXXX XXXX XXXX not XXXX XXXX XXXX
This is my fourth complaint against  Bank of America. The other 3 are,  in order of creation,  XXXX ,  XXXX , and  XXXX . Regarding the third complaint  (   XXXX   ), a BofA represent ative contacted me on  XXXX   XXXX ,   XXXX   to review the fact that not once but TWICE I was disregarded as a candidate for refinance, once last year and once early this year, with no advice for alternative programs, which do in fact exist. However, she decided she would not address this latest debauchery of apparent discrimination but would attempt to gloss over it by stating  ( 1 ) BofA ha s no record of my having filled out an application for refinance during or after this call, and thereby yet again attempted to pass responsibility for this failure back to me by alluding to the possibility that I never put forth the attempt and therefore I was never rejected . and ( 2 ) atte mpted to send me via phone over to their department/s that would in fact assist m e ( finally ). I told   her that the original issue and attempt to refinance were now, and at least for the time being, moot. I want the disregard and discrimination I experienced TWICE, once last year and once this year, fully addressed. For this is in fact now the overriding issue. I also told her I  told two other BofA employees, one of whom was also an RA representati ve,  XXXX   XXXX   XXXX , that I experienced this disregard, and disrespect TWICE. Both men knew of this but they decided it was unimportant. But it most certainly is important. I asked the woman if she had listened to the recording of my second attempt to refinance from this year. She stated she had n't. I then asked her why I would have bothered to fill out an application for refinance ( as she alluded I certainly must have if I inquired about it ... RIGHT??!! ) when I was told unequivocally on the phone, last year and this year, that I am ineligible? This she could not answer. I am stating herein that that second attempt occurred on  XXXX   XXXX ,   XXXX   at  XXXX  PM. I actually scheduled the appointment through  BankofAmerica online appointment calendar. I had a representative call me to confirm it. I have record via email of that appointment and I have record of the call to me from the BoFA loan officer  in my  XXXX  account. The call DID occur ... I was rejected after  3 minutes! I  want that call researched, investigated and analyzed before going any further. I refuse to take responsibility for this! I did n't apply because I was told I am ineligible!! TWICE!!
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX  and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX  because I suffer serious XXXX and didn't know for sure what the terms were. Can you please help me?
I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! 
What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? 
Thank you!!
I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
We have these individual who used our Business Checking Account for his personal use to pay his credit card. It tremendously affect our business operations and mess the owner 's credit score because of this fraud issue. We have filed police report for this identity and grand theft. Please see attached report.
1 year and a hAlf ago .. . .I req uested and received my credit report and notice numerous accounts that were inaccurate, erroneous, outdated, beyond  statue of li mitation, and JUSE Not MINE..and put a FRAUD ALERT ON MY REPORTS.I wrote all three credit bureau 's disputing the NEGATIVE ITEMS . .. .I Rec eived numerous responses stating items were 'VERIFIED'..However when I exercised my FCRA RIGHTS and requested VALIDATION..METHOD OF VERIFICATION, OR CONTRACT BEARING MY SIGNATURE from the  XXXX  CREDIT BUREAU 'S . (   XXXX  ... .. XXXX ..EXPER ) ..TO THIS DATE   XXXX   XXXX    2017..I H AVE NOT RECEIVED NON OF MY FCRA LEGAL ENITTLEMENTS .. . ..I am bein g VIOLATED and I need help and assistance. ... ..Thank you
My Student Loan is with XXXX The principle balance is {$83000.00}. The loan went into default and the debt was sent to Performant for collection purposes. I explained to Performant and to XXXX PHEAA that I submitted paperwork for Income Based Payment Reduction. It was an error as this was paperwork I filed for my other Federal Student loans, which I received economic payment reduction approval for. I asked if there was anyway to submit the paperwork for this and the answer was no. The ONLY option I had to rehabilitate my loan was to pay Performant their collection fees plus interest. 
When I finally sat down to sign the letter to do so, I read that the max amount the can collect is XXXX %. The paperwork I received is calculated at XXXX %. I asked for them to correct the paperwork with a resounding NO from them. I have already made 3 payments to their rehab program for a 9 month plan. They tell me it is not counted toward rehab unless I sign these inaccurate documents. I had at one time suggested that I pay off the loan to see what they would negotiate. They failed to tell me that if I paid off the loan that my credit would continue to show the loan in default for the next 7 years. I believe that I am a fairly intelligent person who due to various circumstances holds student loans longer than planned. That being said, I do not believe this collector is behaving in a way that is honest and fair to the public. XXXX should also be held responsible as I was told they were the main driving force behind these ridiculous fees. To just enter the rehab program my principle balance will go from {$83000.00} to their {$100000.00} XXXX is a private company seeking the best interest of their investors but that does not mean we should be treated this way.
My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. 
I have my credit card statement showing the charge back.
Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.
I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.
XXXX, Experian, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.
This letter is regarding an account established in XX/XX/2014, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 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. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
I have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XXXXXX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

I have attached both of our IDS and my credit report
I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.
This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. Please help!!
Mortgage company will not release escrow payment for repairs on my home. Check was made out to me and the bank, and the bank is refusing to release the funds for no good reason.
Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in XXXX of this year stating they are collecting on the bad debt that they purchased from XXXX bank for the amount of {$2200.00} for account # XXXX however, I never had a XXXX bank credit card or any other XXXX bank accounts ... I have contacted XXXX bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM XXXX BANK STATING THERE WAS NEVER A BAD DEBT IN MY NAME WITH THEM!!!