WillisBack/dataset-financial-user-claim huggingface dataset:
I hired my attorney XXXX XXXX XXXX XXXX to handle my mortgage defence on or about XX/XX/XXXX when I was given a default notice, ( 3 months behind then ) since then I followed my attorneys advice, the bank Specialized Loan Servicing of XXXX XXXX. XXXX CO. are playing games, they keep on adjouning the conference because they aren't ready and my arrears keep getting larger and larger, today they SLS didn't even bother to show up and the judge adjounded the case again ( 2 months ) from now to XX/XX/XXXX because they didn't show up. My Arears keep on going up. My bank Arears are now at {$110000.00} until present, I offered the bank {$100000.00} in XX/XX/XXXX and was turned down, this bank is not looking to come to the table and assist in getting this loan Motification or settled, I have both letters from my attorney stating the refusal of my offer by my attorney, and that today XX/XX/XXXX a scheduled court conference by the court they didn't even bothered to show up. I need you to investigate this bank as they are forcing me to file a bankruptcy which I do not want to do.
I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.
I took out XXXX XXXX XXXX plus loans, which now are Navient, while attending XXXX University XXXX. I consolidated all my federal loans with the XXXX XXXX XXXX XXXX, through XXXX and they have been fantastic. I am in the Public Loan Forgiveness program through XXXX and tried to add my XXXX XXXX XXXX plus loans or Navient loans and Navient refused to add them. They told XXXX that these were private loans. Navient has not only refused to add these loans to my forgiveness program, but they have also refused to lower my payment. They have kept me in forbearance for a long time. Each time I have had to pay {$50.00} per loan to keep them in forbearance. I also receive robocalls at least seven times a day. All of the actions on the lawsuit against them, I have experienced. They raised my interest rate and have added a substantial amount to my loans. I will be attaching all the documents from Navient as well as my credentials for Public loan Forgiveness. Thank you for any help you can give me. They will not work with me.
I pulled my credit report and found several accounts opened in my name that did not belong to me. On XX/XX/XXXX I sent a letter to Experian requesting validation of debts on my credit report ( XXXX XXXX, XXXX XXXX, XXXX XXXX, EXXXX, XXXX XXXX  and XXXX XXXX XXXX ). Experian received my request XX/XX/XXXX, but did not respond within 30 days or after. 
I sent a second letter on XX/XX/XXXX asking for the removal of all debts disputed considering there was not a response within 30 days of the return receipt. Experian received this letter XX/XX/XXXX and did not respond within 30 days yet again. However, I did receive an updated credit report with only half of the disputed accounts removed ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I sent a third letter on XX/XX/XXXX asking for the removal of the remaining accounts considering they failed to respond to my disputes on XX/XX/XXXX and XX/XX/XXXX. Experian received this letter XX/XX/XXXX and sent me a response XX/XX/XXXX stating, ..items disputed were verified as accurate. I also sent a dispute letter, XX/XX/XXXX to XX/XX/XXXX, to the remaining collection companies ( XXXX XXXX, XXXX XXXX and XXXX XXXX ). I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

Experian received a fourth letter from me, XX/XX/XXXX requesting a signed copy of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to ..promptly delete all information which can not be verified. They sent me a letter stating, " ..items were verified as accurate. '' I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. If there is no viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( Experian ) or the Debt Collectors then all of the disputed accounts should be deleted immediately from my file. Since XX/XX/XXXX I have not been given any proof of how their investigation was conducted or completed which is a violation of Section 611 ( a ) ( 7 ). My request for reasonable documentation, confirming my authorization to open the account  with my signature, is warranted and not unreasonable.
This is about Improper use of my report, and my private information being divulged without consent due to Equifax 's failure to protect my private information, putting me at risk for identity theft. The company discovered this problem months ago and failed to notify me in a timely manner that they had a data breach where my information was stolen increasing possible damages to my financial stability.
Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.
On XX/XX/XXXX i received a voicemail from this number XXXX stating they had a compaint against me and if i did not respond they would call my HR/payroll dept on file. On XX/XX/XXXX i called the number out of fear they left me to call back XXXX and spoke to a XXXX XXXX who said he was a paralegal and that they had been trying to serve me for a lawsuit regarding a credit card I had with XXXX. I told him i did not recall a credit card with XXXX and asked when it was from he said XX/XX/XXXX with it being sent to collection in XX/XX/XXXX. I still did not recall and asked why i had not been contacted sooner and he said they just got my phone number. I said they had over 10 years to send me something by mail he said they did which i said i never received. I told him to send me the stuff now. He refused and said XXXX has made the decision to pusue me legally with a lawsuit before the statute of limitations expire and I should hire a lawyer. I asked how much the debt was he said 1600 plus, I then asked why had i not been given a settlement amount he said i could settle for 900 plus. He said he would send me the settlement paperwork on Monday XX/XX/XXXX. 
1. They tricked me into calling them by threatning to call my HR/Payroll dept. which is against the law. 
2. If the debt is real the Statute of Limitations had already expired in Florida if the end activity date was XX/XX/XXXX like he said. So threatning lawsuit/ garnishment is banned based on the SOL. He also said the SOL had not expired so he lied and tried to scare me even more. 
4. I XXXX the phone numbers and his name and it seems others have the same compaint and state its a scam. 

Now, I did receive an email today XX/XX/XXXX from a company called XXXX XXXX which I refuse to open. This debt, which I dont even know is mine is out of the SOL and better not of started over because of thier threatning call to me stating they would contact my HR/Payroll Dept. Plus the verbal threat of lawsuit / garnishment from XXXX XXXX on a debt that is past the SOL is against the law. 

This XXXX XXXX who claims to be a paralegal needs to be stopped. Plus he also said he was representing XXXX but in reality he is a collection company that buys debts for pennies on the dollar and then scares and scams people. 

XXXX XXXX left me his personal number XXXX I would like you to pursue this as I was threatened and scared by this person for a supposed debt whose statute of limitations had already expired in Florida. 

I do have the original voicemail threatning to contact my HR / Payroll Dept if you would like to hear it or have me send it to you by email.
I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this account.
After refinancing a personal loan with a Company called Toledo Finance, I was unable to complete my obligation to repay the loan. I contacted them and advised that due to my current financial situation that I was not able to do anything. They said that didn't matter the money was still owed and they would continue contact me regardless if I asked them not to do so. Sometime its 2-3 time a day. I have tried to block their numbers, but somehow they still continue to call and leave messages. What are my options if they will not cease? They say that they have to " work the account '' regardless of my situations.
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX credit!
SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS  XXXX ,  XXXX ,  XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS.  BILL POSSIBLY  ABOUT A  XXXX  PHONE BILL DEBT. THEY PURCHASED FROM  XXXX . I OWE  XXXX  NOTHING!!!!! THEY ARE CALLING MY HOME PHONE  XXXX  - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.
I have a large college loan through Navient. When I came upon financial hardships, they never offered me a re-payment option. Instead, I was told that I could put it off and if I was lucky, I would n't have to pay for 25 years and could just write it off on my taxes. Needless to say, there would be a huge penalty for doing that. 
Nobody has ever tried to assist me on this, the information was not presented in a clear manner and I am frustrated. 
I feel as though the company is only interested in how much money they can earn from my hardships.
I became single, XX/XX/XXXX, renting a room from a person who leased a original to the city residence XXXX, he was defrauding me and did not pay the company their portion of the rent, I notified the XXXX police and FBI, he was forcefully removed from the property and agreed never to return, leaving me with squatters rights, assembly. being polite and not wanting to be evicted homeless I submitted all personal info too the XXXX XXXX XXXX. A XXXX gentleman married several times I believe perhaps was named XXXX but a XXXX gentleman by admission, came over promptly and marked down tons of historical damage running in the XXXX plus, form original broken built ins, to destroyed hardwood flooring and even prior broken windows, whether I was forced into a lease to remain their is unclear. I later provided a 30 day notice XXXX to vacate the property having witnessed a XXXX XXXX XXXX XXXX XXXX or a.k.a. from a few blocks down where I lived prior, I needed to move, having my life threatened. The office came over same gentleman also added up the XXXX in damages but said this was to protect me and knew it was n't my wrong doing. He the company rep stated not all XXXX employees were aware of the situation regarding the forceful removal of their tenant, Im also fully XXXX on Social Security XXXX Income. He stated there might in the future be an accidental bill like there is now XXXX years later, which California, does not enforce from rental companies to my knowledge regardless of formalities, the FBI has been failing to return my victim of crime inquiries, and the XXXX is also aware and involved, as I was informing to them. So XXXX stated not all employees knew and disregard a future bill now I have a collection notice and feel heavily discriminated. Let alone neglected by the white house and FBI victims of crime. Evidence continually posted on my sites
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX Consumer protection bureau : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TXXXX XXXX XXXX, FL XXXX
I have been called 3 times this company. They are looking for XXXX or XXXX XXXX. I am not XXXX or XXXX XXXX. I have told them 3 times that I am not XXXX ( I am female ) nor do I know a XXXX or XXXX XXXX. All 3 times I have told them to remove my telephone number from their calling list and all 3 times they have stated they will put this is the wrong number in this file and discontinue calling me. The newest call was yesterday at XXXX - XX/XX/18. They have called from the following telephone numbers XXXX and XXXX.
I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.
On XX/XX/XXXX I deposited a check in the amount of {$1900.00} into my DDA account at the Chase branch located on XXXX XXXX XXXX, XXXX, NY. In parallel I withdrew {$980.00} from my DDA. 

I informed the teller that I needed to send the {$980.00} back to someone who was purchasing something from me because they overpaid me with a certified check in the amount of {$1900.00} ( see above ). I was clear with the teller that I was suspicious and wanted to MAKE SURE THE {$1900.00} CHECK CLEARED BEFORE I SENT THEM THE {$980.00} BACK. 

The teller looked at the check and said 'it looked fine ' but as long as your DDA account shows the {$1900.00} deposited into my account by XX/XX/XXXX, " the money was mine ''. 

On XX/XX/XXXX, the {$1900.00} showed in my account so I sent the individual the {$980.00}.

On XX/XX/XXXX I received a bounced check notice from Chase for the {$1900.00}.

On XX/XX/XXXX I went to my local Chase branch in XXXX XXXX, NY, at XXXX XXXX XXXX XXXX. The individual printed out the {$1900.00} check and IMMEDIATELY said it should have been flagged! The most obvious indication was that the FBO on the check was the same person who wrote the check ( I do n't even know what that means ). The Chase associate called the Chase Fraud department and they looked at the check and immediately had the same response. In fact when I explained the story the Fraud associates said that is a very typical fraud pulled on unsuspected individuals. UNFORTUNATELY, they said they could do NOTHING to help me!! I found that infuriating since the ONLY reason I wired the {$980.00} back to the individual was that A CHASE EMPLOYEE at the XXXX XXXX branch TOLD ME WHAT TO DO!!! 

The Chase Fraud associate said that the teller has NO authority as a fraud analyst. I 'm ok with that but THEY NEED TO TELL ME. 

I waited so long because I am XXXX XXXX XXXX and work with banks in the operations space and find myself embarrassed that this happened to me. I am particularly annoyed that Chase just brushed it off. 

I am hoping that you can help me resolve this and get the {$980.00} back from Chase because I only wired that money based on a Chase banking employee 's direction. 

XXXX XXXX
On XX/XX/2019 an electronic payment was made in ERROR to XXXX, Synchrony Bank, in the amount of {$9000.00}. This was sent from my primary checking account with XXXX XXXX XXXX XXXX. The payment was intended for XXXX XXXX.

I noted this when I checked my account on XX/XX/XXXX. At the time of the payment, I did not owe any money to XXXX and in fact had a negative balance. I called the number on XXXX statement, which is Synchrony Bank immediately. They refused to reverse the funds or to issue a refund, but would only send a check under the following conditions : 1 ) Must fax ( no email ) A signed letter from my bank officer on letterhead stating that a ) my bank account was not overdrawn at the time of the payment, and b ) that the funds would not be reversed. Must be faxed to " XXXX  '' at ( XXXX  ) XXXX.

2 ) Must fax a copy of my bank statement ( XXXX ) showing the balance after the payment was made to prove that there were no overdrafts.

3 ) After the above items are received and accepted, they would issue only a paper check to me, which could take 30-90 days. They refused to make any electronic refunds.

On XX/XX/XXXX a letter was faxed to Synchrony from my bank officer ( XXXX XXXX ) as they demanded ( see attached documents ). I called them on XX/XX/XXXX and they stated the letter had been refused as insufficient. The call taker ( XXXX ) said she didn't have a copy because all declined/refused letters may be shredded. She would 'try ' to call my bank officer back on Monday. ( on the same day I desperately faxed a copy of my checking account transactions to Synchrony, just to move the process along - they later said they never received it ).

They do not make outgoing phone calls, so I called them yesterday on XX/XX/XXXX. No action had been taken on my account. I spoke with XXXX  ( they do not provide last names ). After being on hold ( again, usually about 20 minutes ) she said the letter had to say that the " funds would be honored '' even though my account clearly showed a negative balance now of > {$9000.00}, and my bank had confirmed that the funds can not be reversed.

On XX/XX/XXXX, I contacted my credit union manager and had him re-draft the letter including the language " the funds will be honored '' as required and fax it. He faxed it yesterday, even though he was astounded at these demands. Again, Synchrony has not called or confirmed anything and they won't.

I've paid the XXXX  bill with other funds that were hard to find and XXXX  is working with me on fees and potential interest due on that ( the amount was so high because i paid my property taxes and XXXX travel, gifts, etc. with the card! ). I need the money back from Synchrony ASAP!!!!. They will only send a check IF they even accept the info submitted and then only by check and then only requiring a signature ( and I'll likely be at work, unable to sign when it arrives ). This is a nightmare, unnecessarily created by Synchrony Bank.
Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.