WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.
Debt has been paid in settlement. Will not remove from my credit report after 9 years.
Since XX/XX/2018 I have attempted to pay my balance in full with no prevail, Great refused to accept my payment 4 times and now they have raised the amount by {$1000.00}. 
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 I sent letters asking for the balance and if they would accept full payment, FULL PAYMENT no response would settle this account legally and financially, they continue to willfully and knowingly report incorrect inaccurate information to the CRA 'S damaging my credit and lively-hood.
XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.
Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. 
Thank you, XXXX XXXX
Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
Date : XXXX/XXXX/XXXX amounts : {$19.00} I was signing up an account on TransUnion website. It was just for signing up a new account, but my credit card was charged by TransUnion. I XXXX percent did not approve this transaction. 

TransUnion is a XXXX on this. It let me input my credit card number to validate my identity, but that 's not true.
This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 

In XXXX, I refinanced my home with Washington Mutual, and the loan was later serviced by Chase. My mortgage payments were timely paid from the refinance date through the end of XXXX. In XXXX, I filed a petition for Chapter XXXX Bankruptcy, and included my mortgage. The bankruptcy was discharged in XXXX of XXXX. I did not re-affirm my legal obligation to pay the loan. 

In XXXX of XXXX, a lawsuit was filed against Chase on my behalf to defend a foreclosure. The state court ordered a temporary restraining order. Chase removed the matter to a federal district ; this matter was later dismissed. 

Following the dismissal, Chase again attempted to foreclose on my home. On XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau against Chase regarding their mortgage practices. This foreclosure was cancelled pending Chase 's investigation. 

On XXXX XXXX, XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XXXX XXXX, XXXX, Chase approved me for a trial payment plan XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). 

In XXXX XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

On XXXX XXXX, XXXX, I called Chase to inquire about their failure to report the modification and monthly mortgage payments. Chase representatives responded that it appeared that I did not " reaffirm '' the loan during the bankruptcy proceeding, and as such they have no duty to report same to the credit bureaus because and I have no legal obligation to them. 

Chase 's response is faulty, as the modification is a contractual obligation between me and Chase that is legally binding, and is the same as reaffirming mortgage debt. The Agreement contains various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to XXXX parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the trial payment plan and Modification Agreement. These payments are from XXXX XXXX to the last payment.
Under FEMA guidelines for mortgage assistance moratorium, I was entitled to, and applied for, a 3 month mortgage forebearance due to Hurricane Irmas effects in my state of Florida. I spoke with an SPS rep in XX/XX/XXXX about the forebearance and was given word to stop payments and to call again in mid XX/XX/XXXX for further information. I did not make mortgage payments for the months of XX/XX/XXXX through XX/XX/XXXX. 

In XX/XX/XXXX SPS informed me that I would be responsible to repay those three months as a balloon payment in XX/XX/XXXX. The balloon payment obviously defeated the spirit and purpose of the moratorium, was not a reasonable solution, and was therefore not acceptable, so SPS offered a modification plan as another option, which I accepted. I filled out the required paperwork, and followed all instructions. 

By XX/XX/XXXX, however, I still had received no instruction from SPS as to how much to pay, so I sent in a check for the prior amount I had been paying on the original mortgage ( deposited by SPS XX/XX/XXXX - {$470.00} ). Note : This check is the reason why, I think, that I was later reported in XX/XX/XXXX as a 60 day delinquency ( see below ) instead of 90 days. 

Later that month I learned that the modification plan had reduced the monthly payment, so the next check I sent was for the new amount ( deposited XX/XX/XXXX - {$390.00} ). 

I made the following payments in subsequent months : XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} These are SPS deposit dates. 

All of these payments have been sent ( and deposited by SPS ) on a timely basis, yet SPS reported to the credit bureaus in XX/XX/XXXXthat I was 60 days delinquent, which remains a serious blotch on my credit rating. 

Their " dispute advocacy team '' - i.e., the people directly responsible for these decisions - do not allow personal contact through phone calls, and handle everything through anonymous letters.
Asked for validation and no response from debt collector. Multiple emails and letters sent without response. Under the FCRA laws they are required to validate this debt with original documentation proving this debt is mine. Otherwise must be removed from all three of my credit reports.
I called Bank of America as I noticed I was being charged a $ XXXX   monthly maintenance fee on my personal checking account. The customer service rep advised that the fee was correct based on the type of account I had. He then retracted his statement to say that he provided the wrong information in error as they were using a new tool called XXXX XXXX. He then stated that based on the product I have theres certain criteria and thresholds to help avoid fees. One of the criteria was to maintain at least a {$2000.00} average daily balance in my savings account. There was several months of which I met this criteria, however Ive continued to be accessed with this {$14.00} fee for several years. The customer service rep proceeded to advise me that since I was just notifying them of the error that there was nothing I could do to be refunded for the bank error. I asked to speak with a supervisor and the representative advised that the only option was to request a callback. After insisting that a callback was not acceptable, the customer service rep returned to the call and stated I had the option to wait on a supervisor but the industry has moved away from that option asa whole. I then spoke with a supervisor after being on the phone for approximately 1 hour. My conversation with XXXX XXXX ( supervisor )  lasted for another hour. She assured me that the bank doesnt make errors and that I had not met the criteria. I requested that she pull my monthly statements as I was currently looking at them on the BOA app and it showed I had met the criteria for multiple months. She then downloaded the statements to see that I was correct. She placed me on hold and returned to agree to waive 6 months worth of fees as I had met the criteria however she advised it was still my error as my accounts werent linked based on a solutions based option that would have been offered to me years ago. I asked when was this offered and she stated the bank doesnt keep any documentation beyond 7 years. She then proceeded to say that I must dispute any fee errors within 60 fats of the errror and that they would only go back 1 year. I asked since I have fees in error dating back for more than 1 year, what could I do for a solution? She advised they dont go over internal bank policy with the customer so there was nothing she could do further.
I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.
I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to transunion XXXX  XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
We gave our mortgage company our house as part of a legal settlement. However, they have not closed the mortgage with the credit bureaus and have called and sent letters threatening to forclose.
I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.
On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX  case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.
I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.
I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report
I have contacted XXXX XXXX XXXX, XXXX with 2 written letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt.  These accounts are listed on my credit reports as collections.
I graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans. 
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.
I paid off this debt in collections and it has n't been removed of my credit status. And they still have n't sent me a confirmation letter. But I do have proof that I paid it off.
XXXX XXXX Account XXXX is wrongfully appearing on my credit file on XXXX, XXXX & EQUIFAX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.
I spent the greater part of an afternoon last week ( and I also made this report to the XXXX  ). I was checking my credit report on Transunion and creating tasks for them to investigate many accounts that were closed and old and still on my report. I also called transunion and spoke to someone I had a very hard time understanding this person. I don't understand why they put people like that in Customer Service! I explained I have multiple inquiries on several accounts the rep told me there was nothing they could do for me and directed me to contact the company and get letters to release these and send to Transunion. Later on in the day I went back into the account and all of the investigation inquiry flags had been removed evidently they were too lazy to work the accounts so they just deleted them. It is apparent to me that all they care about is selling our personal information to the world and how much money they make doing it.
The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.