WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report.     I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent  XXXX   XXXX   XXXX  debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing.     The amount on my credit report states its for {$490.00}.     I have NEVER had an account with  XXXX   XXXX   XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report.     My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.
On or around XX/XX/2019 I called Citibank to inquire as to why my credit account was not updated for the month of XXXX. Upon asking why it has not been updated I was told it was because of having a {$0.00} balance that they are not required to update, in essence keeping the last update months behind and that is not transparent or factual when it comes to keeping my disclosure current. I called again on XX/XX/2019 and spoke with XXXX and as I explained or at least tried to, she mid conversation cut me off and said her manager has just told her that she would update my account with the Bureaus. She lied, today is XX/XX/2019 and contacted Citibank again and was told that if I could not fax or mail a copy of my financial disclosure that they could not help me even when I explained to them that I am XXXX and dont have access to a Fax machine or copier to be able to start a dispute with them. Upon me telling me that I couldnt meet those expectations I was told to dispute with reporting bureaus or Cfpb. So here I am starting an investigation to accomplish something Citibank could have done with a few keystrokes. The lack of empathy and general concern for their customers is astonishingly Absurd. In conclusion, all I want is for Citibank to update my disclosure every month.
We were affected by hurricane Irma. After the hurricane we were contacted by our servicer XXXX about a forbearance and loan modification as a result of setbacks caused by the hurricane. We submitted the application all of the materials for the loan modification only to learn that our loan would be serviced by Freedom Mortgage. 

I notified Freedom of the dispute within the 60 day timeframe and the correction was never made. Upon following up again 2 weeks later, we were then told to resubmit the loan modification application and supporting material which we did 4 months ago. We called numerous times to follow up on our application only to be told it wasnt time to process the loan modification that we were in a forbearance. 

Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 

In XX/XX/XXXX I finally asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks. 

Since that time I have called at least once a week to talk to the single point of contact assigned to me ; over the 6 week period and multiple messages I have yet to have a return phone call, and email, or any form of communication from that individual. The only letter I did receive was to let me know that now Freedom would be reporting me to the credit agencies for being delinquent over 120 days. This is completely unacceptable, especially since I have been paying the mortgage and the delay was not caused by me. The delay was the direct result of Freedom not resolving the issue upon the transfer of the servicing as required and furthermore, stringing out the process. 

I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one,  we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 

Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification.
The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.
The debt had been settled back in XX/XX/2015. I had a cell phone with XXXX that was retirned. The only one I had left i paid my bill as normal, then switch to another company XXXX and have been with them ever since. It showed up on my report after I filed for bankruptcy. It was put in XX/XX/XXXX. They are steady try to collect on something that is uncollectible
I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
I wired funds from my bank account according to instructions given to me by ( which were provided by JP Morgan Chase to ) the payee. It turned out that the payee had two accounts at JP Morgan Chase, XXXX with their investment division and the other with the regular bank. They gave me the Routing number for the investment division, but the account number was for their savings account. It took several days to learn what happened to the wire ( Chase simply held it in limbo, not rejecting it, nor letting anyone know they were having issues determining where it should be ). It took the payee 's personal banker at Chase to finally find out what happened ( and finally admit it was Chase 's fault, not mine ). However, it turned out that Chase could not internally send the money over to their savings account ( when are you going to finally break up these too big to manage banks??? ) and instructed me to have my bank ( XXXX XXXX XXXX ) recall the wire and send it over to the correct account with the correct ABA, which we did. Chase is now charging me ( my bank ) a {$30.00} amendment fee! While I understand that Chase is too big to do anything to, and basically runs roughshod over the rest of the world, I am aghast that they can and do charge non-customers for helping them to clean up their own mess! Please do something about this ( like put some high level executives in jail, or something to stop them from charging non-customers for their inability to know what is going on within different divisions within their own company!
I have no knowledge of this account and it does not belong to me. This is a fraudulent report on my credit report.
Experian has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the following fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 Credit Report Toolkit : Print your reportThis link opens a new browser window Credit EducationThis link opens a new browser window Know your rightsThis link opens a new browser window Credit Fraud Center General personal statements currently displaying on your personal credit report at your request appear below : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016.
There is an address, XXXX XXXX XXXX XXXX, XXXX XXXX Rhode Island, that is incorrect. I have never lived here.
I recently reviewed my XXXX, XXXX, and XXXX  credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company. 

In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract. 

With NO VALID CONTRACT, this company has no right to place any information on my credit reports.
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d.  Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.
I have been disputing my loans since XX/XX/XXXX. I was on an income contingency program and my payments were {$0.00}. Then my taxes were taken. According to the Department of Education my taxes were not taken nor was I certified to have my taxes taken. I provided proof that my taxes were taken in the amount of {$6900.00} and they said oh yes they were taken but have ignore request after request to show were they were applied. I was then told that I consolidated in XX/XX/XXXX. I told them there was no reason for me to consolidate that I was renewing my XXXX information. About a month after my taxes were taken I was told my balance that was under {$5000.00} was now {$45000.00}. I keep asking for specific information in regards to where the balance of these loans came from and I keep being provided with an incomplete contract which does not even have my signature on it. No specific balance information has been provided nor where my taxes went. I filed complaints with the MN attorney generals office and the Department of Education did not provide specific information to them either. I then received notice that they were are intending to garnish me even though they can not validate the debt. I sent in 80 pages with a request for hearing and I received a response from the Federal Student Aid department that I did not provide any documentation and they are going to garnish me on a debt they can not even validate. They did not even give me a hearing! I provided proof that the so called consolidation that was paid in XX/XX/XXXX paid XXXX XXXX {$5300.00}. Far cry from {$45000.00}. As well as info that I was working on the income contingency program at that time, collection letters from 2 different companies on the exact same day one showing more than 2 times the amount owed on the exact same loans, documentation of the tax offset in XX/XX/XXXX in the amount of {$6900.00} and the tax offset of almost {$10000.00}, them showing that after these payments I still owe {$29000.00} of which is inaccurate, and the incomplete contract that they keep sending me. They are now saying if I do not like their decision I can file an appeal of which I can not afford. I am a single parent who has had more than 20 XXXX  and XXXX and work part time. This is harassment. Action Financial keeps trying to collect even though they can not provide specific information. They keep sending me the incomplete contract and then trying to bully me into paying what they can not even show where it came from. They keep sending me page 3-10 of  a contract that does not even have my name on it, is expired, and shows that I would have completed multiple tasks that are not humanly possible in less than 2 min. I have been told by a manager at the department of education that they can not provide me with the information as they do not have it. Direct loans has it and they went out of business. And then they continue to try to collect! Action Financial says they are collecting on loans from a consolidation in XX/XX/XXXXand the Federal Student Aid department keeps sending me documentation from a consolidation in XX/XX/XXXX.
I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.
n XX/XX/XXXX I started having trouble paying my mortgage and soon after I reached out to XXXX for a loan modification. 
At that time the property value was approximately XXXX. 
Delay after delay and finally I get approved for my modification and after XXXX takes and deposits my XXXX payment ( document attached ) they transferred my loan to another serivicer, this is the game these banks and servicers play so they look like they are helping by granting the loan modification but then they transfer you to another serivicer who then makes you start the process over, the grueling process, and the next servicer denies you the loan mod. which they tried to do in my case. 
So after paying the new payment of XXXX a month I was transferred to BofA who then made me go through the whole process again and then increased my payment XXXX to what would have been almost XXXX a month after all the adjustments after a few years into the loan. 
After some complaining and alot of back and forth BofA switched my payment back to its original loan mod payment I was approved for by XXXX XXXX a month however they saide instead of it being fixed like the XXXX loan they will be changing it in five years and then again in another year increasing my payments by approximately XXXX-XXXX a month when it finally adjusts. 
This is not acceptable. I want the original loan modification that was originally agreed to by me and XXXX of fixed XXXX a month and I want the principal reduction that XXXX at XXXX said I was going to get, I would be getting a principal reduction as they payments were being made and the reduction would have been to its fair market at that time. 
So I am demanding that my original loan mod be put back with the principal reduction I received at the tiime XXXX approved the loan. XXXX at XXXX said in conversation to me that yes, principal reduction is part of this loan mod. as it stands now my loan balance is XXXX which is above water on the property, why are you keeping my loan underwater on a loan mod I was promised principal reduction and I want it back down to XXXX what was promised me in my original loan mod with XXXX just like you changed the payment from almost XXXX back to XXXX I want the principal reduction I was promised too. That was part of my original loan mod and I want it back. I got my payment back, but that is n't enough, I want my principal reduction back now. I had my loan mod with principal reduction and a good payment, that was all taken away when XXXX transferred me to BofA and BofA blatantly took it away, I partially got my payment back by complaining to the CEO of BofA XXXX XXXX and the CFPB etc, but they did n't restore all my payment, now I am demanding my fixed payment not increases XXXX a month for the life of the loan, and my principal reduction to the fair market value when I applied for my loan mod back XX/XX/XXXX-XX/XX/XXXX
I have been a customer of Chase bank for a while. I used to have many credit cards from them including chase freedom, because the good experience with them, I even closed my XXXX XXXX XXXX debit card and opened chase debit card savings and checking account. 

I am working as a XXXX XXXX XXXX at XXXX XXXX XXXX, where I am serving the biggest client XXXX XXXX. XXXX XXXX has many travel partners, so in XX/XX/XXXX, I used my chase freedom account to buy XXXX usd XXXX gift cards for XXXX XXXX travel partners becasue the company credit card was not working. This is guided and approved by my president. But in XX/XX/XXXX, I  suddenly found out that Chase closed my chase freedom account without checking with me. Generally other banks will call me, and check with me on the purchase, Chase didn't check with me and closed my account directly. 

When I called them, they said becasue my purhcase is big, which is XXXX USD out of the XXXX USD credit line they issued me. Chase also said I have no credit history, if i don't have credit history, why chase would approve the credit for me before?? Although my company didn't reimburse me all the money in time, I was still paying the chase freedom way more than the minimum amount they required. I don't understand why they close my account and gave me the reasons that doesno't make sense. 

I talked to the other two chase staff about this issuse, they either said they can not talk about it. Or they tell me, i can reapply the credit card but they can not reopen for me. Becasue I just compared the XXXX plaitinum card with Chase sapphire reserve, so I feel chase sapphire reserve is a better option for my travel plans. So I applied for that card again. Which I used to have one, but my husband closed it. Chase declined my application, and said the reason is becasue I had the unsatisfactory performance with them, which means I can not apply for any of their other credit cards, and what they told me i can reapply is the lie. I totally not accept the treatment I gained, i know I am a XXXX and I have language barries, but I feel i receive the great unfair treatment from Chase. All the customer services i spoke with are rude, and they don't tell me the reasonable explanations of why they closed my acocunt without chekcing with me.