WillisBack/dataset-financial-user-claim huggingface dataset:
On X/XX/2017 it was time for my first re-certification of the XXXX plan I had been granted XXXX months earlier under FedLoan. I submitted a completed application along with a comprehensive statement of income and proof of income sources, XXXX per source, current within XXXX days. 

On XXXX, I was informed that my XXXX re-certification was rejected. The reason cited for the rejection was that I had not supplied adequate documentation for my spouse 's income. I informed customer service that my spouse 's source of income was from investments XXXX checking account with interest ). The first round of talking with customer service resulted in " There 's nothing we can do for you. '' The second round resulted in an escalation for another review. 

On XXXX, I called back to see how this second review had progressed. Customer service again informed me that it had been rejected, again citing the lack of proper documentation for employer based income when I had indicated that my spouse had taxable income. Representatives from FedLoans even went so far as to tell me that I should n't have reported the interest income as taxable income. That I should have just left the interest income off ... Say what? Seriously, asking me to certify a false document? XXXX ( sorry, but they really go me worked up XXXX, the law is the law. Taxable income is taxable income. 

I ca n't explain it any other way, but I think because I had checked the box indicating my spouse had taxable income, they thought it could have only come from employer income despite it clearly stating in Section 5 that Taxable Income includes " dividend income, investment income ''. They were looking for a pay stub, when I did n't have one to give them. She does n't have a job. The taxable income did n't come from a job! 

As of today, X/XX/2017, FedLoans now says they 're going to process for the next billing cycle, and I hope that after XXXX months of this drama, they finally have their heads on straight. I 'm not surprised to find that the XXXX in Massachusetts is suing FedLoans. They 're very difficult to work with at times.
XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX   ) for unknown account at Portfolio Recovery Assoicates and XXXX XXXX ( XXXX   ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to Portfolio Recovery Assoicates and XXXX XXXX ( XXXX  ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.
I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX  however XXXX   and Experian it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX
My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior. 

Stearns lending XXXX XXXX XXXX XXXX XXXX VA, XXXX
I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015
I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I pulled up my credit report and realize that first financial resource, Inc. Is reporting a debt of {$630.00}, the original creditor is XXXX, I contacted the original creditor and they told me that the debt is too old and it 's not in their system anymore because first financial resources took it over. So I contacted first financial resources Inc. and I let them know that I have insurance and it usually covers all my medical bills. They told me that maybe I did n't have insurance at the time of the service. I then contacted my insurance company which is health safety net I spoke to XXXX she confirmed that I had insurance from XXXX XXXX, XXXX till XXXX XXXX, XXXX and then I renewed it XXXX XXXX, XXXX to XXXX XXXX, XXXX. The service date from skin pathology laboratory was on XXXX XXXX, XXXX and also XXXX XXXX, XXXX. Which means I was covered during that period of time. So then I called first financial resources to explain to them that I was covered during that period of service but they told me that maybe the doctor sent the XXXX outside XXXX XXXX XXXX therefore the hospital is not responsible for this bill. Please understand that I am a XXXX I have been treated a XXXX XXXX XXXX I have had over XXXX XXXX done at the XXXX without any problems from XXXX until current time. I have had XXXX XXXX XXXX and XXXX my insurance always covers me I believe that the doctors office failed to bill my insurance instead they sent that to the wrong address, I was not aware of this debt and its 6 years old. But they feel that it 's my responsibility for their mistake. The type of XXXX I was diagnosed with was due to stress I 'm XXXX free now I beat it, but this company is putting so much stress on me and ruining my credit. I 'm starting to worry about my Heath and getting sick again. I do n't think this bill belongs to me and if you did I want solid proof so I could submit it to my insurance company ( no just a copy of a bill ). Thank you very much for your help.
I have Received my credit report showing multiple inquiries from Navy Federal.I was not aware that my account will be hit multiple times. It is affecting my credit tremendously when applying for loans or credit cards. I in a process of purchasing a home and with the multiple inquiries is not good a look for my credit. The Credit Inquiries are inaccurate, misleading, or incomplete, & may have violated federal law.
I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.
Numerous of old collections have been removed & added back to my credit report without sending me a letter in writing stating why this keeps happening. This is really affecting my credit score tremendously.
Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.
On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
On XXXX XXXX, XXXX USAA, had debited my checking account for {$56.00} for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my XXXX statement for my open cc account, I noticed USAA charged my open cc account {$56.00} and applied it as a payment to my closed cc account and my scheduled payment. So XXXX payments were applied to my closed cc account. On XXXX XXXX, XXXX, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in XXXX XXXX WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to XXXX XXXX. I called USAA and they said there was nothing they could do. 
My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to them.
Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15
To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX. 
The purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity. 
This is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX. 
I spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so.. 
The local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again. 
Finally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create. 
I can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required. 
XXXX XXXX
XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Experian credit report. The amount is {$57.00} On XX/XX/XXXX I sent a dispute letter to Experian. On XX/XX/XXXX Experian sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Experian has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX thinks that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XX/XX/XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.
On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. 

I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.
I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.
2 months ago. i need it at checking account so i went into well Fargo and open up a checking account I gave the banker employee all my information for the bank employee to submitted and conclued open up my checking account i deposit {$100.00} and during the course of two months i deposit XXXX money orders that i buy it from XXXX XXXX but i was not able to use it so i deposited into my account and i have received XXXX deposit of {$530.00} so 2 weeks ago i call welll fargo due to i was not able to check my account on line. i was specting at deposit from XXXX XXXX XXXX from florida the banker indicate that my account has been close due to at suspicius activity to confirm what the bank its talking about it i went to the branch on XXXX XXXX XXXX and requested for at print out of my account history i read it and found all my deposit and bank activitys corrected it i have found nothing unusual or unathorized so i ask the bank to gave me the reason why my account its closed the bank didnt gave me at reason it all.but Iam on the inpression that this got something to do with XXXX.
IN RESPONSE TO EXPERIAN 'S PARTIAL RESPONSE TO MY COMPLAINT # XXXX - THEIR RESPONSE IS TOTALLY INADEQUATE AND MOVES ME ONE STEP FURTHER TO FILING A LAW SUIT AGAINST THEM AND TO GOING TO THE MEDIA ABOUT THEM AND THE INSTITUTIONALIZATION AND COLLUSION OF THE CREDIT REPORTING INDUSTRY. THIS IS THEIR LAST WARNING. THEY CLAIM THE ADDRESS I SUBMITTED IS NOT ASSOCIATED WITH MY EXPERIAN CREDIT RECORDS. THAT IS A TOTAL AND INTENTIONAL LIE- I JUST PULLED MY FREE ANNUAL CREDIT REPORT AND IT IS EXACTLY (! ) THE SAME ADDRESS AS IS ON THEIR REPORT. THEY WILL BE SUED WITHIN 30 DAYS IF MY ORIGINAL COMPLAINT # XXXX IS NOT RESOLVED TO MY SATISFACTION.
My Complaint is regarding a previous Complaint I filed with you, the Following Case Number is XXXX. 

The Response Navy Federal Gave you was inaccurate and false. 
I've never had any issues or problems with anybody or someone trying to access my account online illegally. My wife and I ALWAYS use her phone to access my online access on our JOINT TOGETHER .... Navy Federal Credit Union has provided and given you FALSE RESPONSE on XX/XX/XXXX. 

Because we had a joint Chapter XXXX Bankruptcy that was filed in XXXX my wife had accounts with Navy Federal Credit Union 1 or 2 accounts were included in that Chapter XXXX Bankruptcy. Navy Federal credit Union doesn't approve of me giving my wife access to OUR Joint Account ONLINE under my login. She's my wife not a XXXX stranger.
Attention dispute department XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} XXXX {$210.00} MIN {$43.00} {$130.00} XXXX DELINQ 90 XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX COLLECTION XP/XXXX/XXXX Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-120, XX/XX/XXXX-90 XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX COLLECTION XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX COLLECTION XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XP/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX COLLECTION XP/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX COLLECTION XP/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX
Equifax failed to take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me XXXX  ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX