WillisBack/dataset-financial-user-claim huggingface dataset:
I have student loan accounts on file with Equifax that are being reported incorrectly and to old to be on file. The accounts that I am disputing are student loan accounts from XXXX which are the following : XXXX, opened in XXXX in the amount of XXXX ; XXXX opened in XXXX in the amount of XXXX ; XXXX in the amount of XXXX ; XXXX in the amount of XXXX. In XXXX XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX XXXX. The above mentioned student loans were included in the bankruptcy petition. As of XXXX XXXX, all of my student loans was consolidated with XXXX XXXX XXXX which is currently on my equifax report as well with these amounts included. I disputed the information with equifax and they sent me a report saying that the information that they have on file is currently correct. They are currently reported these accounts as negative and included in wage earner plan, when in fact they should be paid, closed or transferred to another lender like the rest of my student loan are. Additionally, these loans were first opened in XX/XX/XXXX and XX/XX/XXXX and they are too old to even be on the credit file. It appears as though equifax is not correctly investigating this information, especially if they are saying that these accounts are still included in a bankruptcy wage earner plan that does not exist. These accounts are reflecting negatively on my credit file and by right they should be removed being that they are so old, but atleast Equifax should investigate and report them correctly.
XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.
I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
I financed a car through Chase Auto. I was making my payments on time every month for two years. I had a financial hardship in XX/XX/2018 due to a loss of employment. Chase would not work with me to lower my payments. They repossessed my vehicle. My last payment was in XX/XX/2018. However Chase is reporting it as open and a late payment every month after they have charged it off. Now Chase just added XXXX to the balance.
Chapter XXXX Bankruptcy due to Mortgage Fraud, XXXX XXXX XXXX forced into Ch.XXXX to prevent illegal foreclosure. Ch XXXX paid in full in Texas - XXXX XXXX. BK closed XXXX XXXX. Beginning XXXX XXXX, Trustee ordered the payments be made directly to Select Portfolio Servicing. Every payment was made on time. However, SPS refused to take my account status and reporting out of bankruptcy status and refuses to report my excellent credit history to all XXXX credit bureaus, preventing me from refinancing at a lower interest rate. I was transferred to SPS while in a loan MOD with XXXX, who were the ones that illegally foreclosed on me while loan was being transferred from XXXX XXXX, another key player in the Mortgage Fraud Scandal in XXXX. I have been confirmed a party in this scandal by US Treasury and was part of the Federal Investigation into XXXX. I have been identified at least once in Class Action Suit with XXXX. I was originally compromised with XXXX, then XXXX through their collection company XXXX to XXXX to SPS. I want my credit cleared and I want to have nothing to do with SPS ever again. Per legal counsel, the laws will no longer protect me to file a suit against these predators, because they are protected by XXXX XXXX Conspirators and they own crooked politicians and federal courts/judges. However, I can use the consumer credit organizations to correct my credit report and get out from under these predators that would like nothing more than to take away my home from me now that I am no longer protected by Chapter XXXX. It was also brought to my attention from legal counsel scouring my loan documents that the interest rate that I am being charged is .08 % too high and I have no idea how long that has been going on. Any type of research you do on SPS will show you that they are financial predators and they break the law everyday. I want them to correct my credit history and to release my loan. I also want to be compensated for the overages in interest they have stolen from me. I also want to add that they refused a MOD to me after painless requests and documentation was sent to them over and over again by a professional MOD non profit agency. They lied and said that I did not qualify and changed the figures that I sent them, preventing me from obtaining a much lower interest rate that I qualified from the US Government. This was after I went through the entire MOD process with XXXX and I was, against my will - transferred to SPS and PROMISED that SPS would process the MOD they had started but they never completed it or had any intention of completing it. After over a year of being in MOD limbo, I just gave up. Which is a pattern of how they operate. I suggest you refer to Select Portfolio Servicing Fraud XXXX page to see the victims of their crimes, new people join it daily and post the same story as mine. Why would the Federal Government let this happen?
For the past year now I have been trying to complete a short sale With Chase Bank NA The reason I applied for a short sale was due to the fact for the last three years I have been trying to save my home by applying for a loan modification and was denied about 4 times. I can not understand why because the Monthly housing income is at least {$6800.00} per month. Anyway Chase offered me the opportunity to do a short sale. They said it would be better for me because they would with draw the foreclosure action and file a satisfaction of mortgage in the county clerk 's office. Also it would be better for my credit as to have a settled account instead of a foreclosure. 
So I hired a broker to help sell my home. this was in late XX/XX/XXXX. In XX/XX/XXXX I received an offer. I went into contract. With the help of my broker I submitted full package and waited two months with Chase to get an answer. In late XX/XX/XXXX my initial buyer walked away Claiming its taking to long for Chase to make a decision. In XX/XX/XXXX I went into contract with a second buyer. On XX/XX/XXXX My broker got an email from XXXX XXXX in the short sale department at Chase. That email stated that the investor completed and approved the net proceeds to be no less than {$87000.00} on the property and to move forward with the closing paperwork making the proper adjustments on the HUD. 
Then the long process of stonewalling by Chase started. They made my broker change the HUD at Least 5 times. They asked my broker to put the incorrect address of my property on the HUD and changed the contract address at least 3 times on both the HUD and the contract. They reorder another appraisal on the property. They changed the investor during the process. Chase dragged this approval out for moths while the 2nd buyer was ready willing and able to close. In XX/XX/XXXX Chase sent and email to my Broker stating that the short sale was Declined. Now I am losing my home on XX/XX/XXXX. And the relocation money and all the benefits of doing the Short Sale Chase Promised me are gone. I believe Chase has acted in bad faith and has used my home as a cash register for their benefit. I believe from day one Chase had no intention of helping me and they used this long process for their benefit. I believe they have committed fraud to the Investor of the Mortgage and or the tax payer in doing so..
I had a property in XXXX, Oregon with a mortgage with XXXX XXXX Bank XXXX Indiana. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
This company is reporting incorrectly on my XXXX report. They are showing an incorrect Date of 1st Delinquency ( shows XX/XX/XXXX should be XX/XX/XXXX ) ; reporting as an Original Creditor under my Accounts section when they are actually a Collection Agency ( not showing under my Collections Section ), also says the account is Open and that they are a Factorying Company ; the account # they are reporting does not match the account # for my XXXX XXXX Account ( XXXX XXXX Acct # XXXX and Portfolio Recovery is Reporting Acct # XXXX ; the amount they are reporting is also different from my XXXX XXXX Account ( XXXX XXXX charge off amount is {$1000.00} and portfolio Recovery is reporting {$1500.00} ; This company is also reporting a payment history when I have not made any arrangement with them, ever. I am under the impression that Collection Agencies are not even allowed to report a payment history because they are not Original Creditors. I have also attached my credit report showing the inconsistencies of their reporting.
Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX  INSULT! My smallest credit card limit is {$10000.00}! I was beyond  furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!
In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.
We are filing a complaint against Chase. We have been misled and given a complete runaround for the past 12 months. Chase has not processed the claim with any integrity or professionalism. We have provided the same documents over and over, only to have the bank reassign it to numerous representatives that are not current on the application status. It 's a basic stall and delay technique to not provide help or modification options. 
Our first mortgage was modified and we are current with payments. Our family needs the 2nd loan modified so we can continue paying our loans and stay in our home. The line of credit ( 2nd ) Chase begged us to take, was set up as interest only payments for 10 years and after that period would revert to principal and interest. Our payment went from {$560.00} per month to {$1600.00} with an interest rate today of 2.74 %. This rate will keep rising as interest rates go higher. We are appealing to you for help as Chase seems to be unwilling to do anything on our behalf. Like most people in our country, our economic situation has deteriorated in the past few years. We are begging Chase to cap this line and make payments affordable in order for us to make our payments and stay in the home we love. 
The option for " short- sale '' is unacceptable. What sense does that make? Chase is willing to sell the house at a loss, but will not help us stay in our home by qualifying us for a " Chase Modification with Possible Principal Forgiveness. We have been Chase costumers for a very long time and would hope that Chase whom was responsible in soliciting and approving the " value '' of the 2nd mortgage would have some responsibility in helping us restructure the loan. The 2nd loan was used to construct an addition to the home. We did not use it as a piggy bank for vacations. The property value has dropped by XXXX of what is owed and now we find ourselves in a very difficult situation. 

This has been a drawn out process. We have received countless letters from Chase with offers to " help '', but it appears that Chase is committed to " NOT HELPING '' home owners stay in their homes.
Equifax indicated on their website ( https : //www.equifaxsecurity2017.com/ ) that my information was compromised when they were breached. This was reported on by XXXX on XXXX XXXX, 2017 ( XXXX XXXX XXXX ). 

This will require me to spend a lot of extra time monitoring and managing my credit. I will need to freeze my credit with at least three agencies and pay repeatedly to release my credit info every time I sign up for credit. 

My private data is out there due to Equifax, so is also likely that I will need to maintain this increased credit monitoring and freezing for the foreseeable future.
My wife, XXXX XXXX, and I have been working on resolving issues with her Public Student Loan Forgiveness since XX/XX/2018, and since early XX/XX/2018 if you were to count our multiple submissions of her application for her employment to count towards the loan forgiveness program. She currently has her loans through XXXX XXXX XXXX. I have taken the reigns, so to say in regard to helping her with navigating the issues she has been having, but please feel free to reach out to either of us. We have reached out to XXXX XXXX and to the US Dept of Ed 's Ohmbudsman group on numerous occasions ( est 30+ documented calls ), and had opened up cases through both regarding the issues we are having. We keep getting the run around, and neither has diligently worked to resolve our issue we are having. My wife and I believe that she is meeting the qualifications for PSLF based off of the legislation on PSLF that we have found, but they continue to deny us, and are not appropriately responsive as we have requested numerous times. We had asked for a phone call to better articulate the case, and the possible ability to discuss with a person who is legislatively literate, however, no one follows through w/ either XXXX XXXX nor the Ohmbudsman groups- as I mentioned above they keep kicking the responsibility to out of their control, or sending me emails last minute that we simply don't qualify & case closed end of story without truly having someone hear & understand our claim/appeal. My wife is working at a qualifying agency for the required 30+ hours weekly per PSLF guidelines for the past 1.5years. However, they say that since her employer considers her per diem, she needs a second job to qualify. Our issue is that the specific wording of their application, as well as the wording found within the laws themselves would side with my wife and I as being correct that she does in fact qualify for PSLF as is. Neither the Ohmbudsman group nor XXXX XXXX   themselves are acknowledging our issues, and continue to drop us before our claim can be adequately heard or addressed.
I was contacted over 20 times about resolving a debt that I have never created. I was left multiple voicemails from someone telling me that they were attempting to serve me with documents. I was told that I was being sued and that my wages were going to be garnished from a XX/XX/2006 debt with us bank, due to this being a bank it was a federal crime and I could be imprisoned. I called them to see who they were and what the debt was for. I was never given a name for this company I only obtained this by doing a XXXX search for the phone number. The person I spoke with kept saying that she was happy I was willing to pay, which I never agreed to do. I asked for a letter stating the the facts of the debt, only to receive a document email with a promise to pay statement attached that I was threatened to sign in 24 hours or risk being sued. XXXX XXXX is the person that I spoke with
I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me.
Payday loans with this amount of interest or illegal in my state which is Virginia. I applied for a short term loan which was {$400.00} in XX/XX/2018. They are charging 720 % interest claiming they are operating under federal tribal law. In Virginia it is a class 2 misdemeanor to charge this amount of interest. I am attaching pictures. What they are doing in my state is illegal. Offering internet loans.
On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX. 
The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE. 
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.