WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up.
In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.
I completed several applications for loss mitigation. Underwriting claimed it could not make a decision because the file was missing tax documents which Carrington admitted it already had in its possession. At the direction of Carrington, I submitted an " Appeal of Denial '' together with executed copies of the alleged missing documents. Instead of a response, Carrington started a foreclosure which is pending XXXX XXXX, 2016. This is clearly dual tracking and I am asking that the foreclosure be stopped as I am ready willing and able to pay off the mortgage on or before XXXX XXXX, 2016. My offer of settlement is {$150000.00} XXXX Dollars.
On XX/XX/XXXX I received an e-mail from XXXX and a text message from the number XXXX saying that they received my application for the internship with XXXX XXXX XXXX, which I applied to on XXXX, which is owned by XXXX, and they sent me a link to one of their workers, XXXX XXXX on the app " Wire ''. I was suppose to make an account and message her then I'm an applicant for the internship. I added her by looking up the email they sent me, " XXXX ''. Then once she added me we began talking about the internship and the interview that is about to happen. She then sent me a list of questions regarding statistics, data and programming that seemed very specific, which added to the legitimacy. I answered all of them and moments later she told me I was accepted to the internship with XXXX XXXX XXXX. She then sent me a message that the contract will be emailed to me and that I am to send it back signed, the document they sent is attached below. After sending it back they started talking about training materials and how they're going to send the money to me and that I am to send it to a vendor that will purchase it. At this point I'm suspicious because it was all online and I didn't even talk to them through the phone yet, but I'm assured the internship is fine due to XXXX being a big and respectable company and the internship being found on it so they have to had checked and reviewed to see if the internship is legit. So they sent me a check for {$1800.00}, which is also attached below, and I mobile deposited it into my XXXX  XXXX XXXX account. Once I did it and it got returned, XXXX told me that the account they put the money in for that check was used to pay off other members. Then they asked me to use my Chase bank, once I got the new check for {$3800.00}, they told me to mobile deposited into my bank account, which I did. They then told me to wire transfer {$3400.00} to the vendor, which I did. Then later in the day, this was on XX/XX/2018. I got a message from Chase saying the check was fraudulent, the wire transfer was cancelled and that my account with Chase is in review. I messaged XXXX about it and she asked for my account number, I said that it isn't available due to my account being suspended. Two days later on XX/XX/XXXX, I called Chase and they told me to come to the branch, I was then told that my account would be closed and that I would be marked on my credit report for fraud in the next few weeks.
I have submitted an Income Based Repayment Plan ( IBR ) request four straight times since XX/XX/XXXX. The first was a renewal. I included my latest tax return and a letter, as I have done since XX/XX/XXXX. It was denied because I did not include my federal income tax return as notified on XX/XX/XXXX. 
I explained that I dont file federal income tax return because I dont live in the United States. 
I wrote a letter and resubmitted a new IBR payment request, explaining that I dont file for federal taxes. I also had to explain what my monthly gross income was, since according to the customer service representative, they simply cant divide the annual gross income by 12. They also keep asking me for paystubs, which I cant provide, because as I have explained so many times, i am XXXX XXXX. 
And so, once again, on XX/XX/XXXX, my IBR plan was denied because I did not include my federal income tax return. 
On XX/XX/XXXX, a third IBR request was denied because my tax return does not show my gross pay, asking me for pay stubs or a letter from my employer. Once more, I AM XXXX XXXX. This I explained in my letter. 

XXXX XXXX, keeps nit picking at my IBR requests and finding excuses to not accept my IBR requests where everytime, I have included my most recent available tax return and where they can find how much I make a year and divde it accordinlgy to reach a monthly gross income. 

XXXX  XXXX is being capricious and arbitrary in making their decisions to not accept my IBR requests. The problems started last year, when my XX/XX/XXXX approved expired. Since XX/XX/XXXX, I have been losing my automatic forbearance periods on each request that is denied. 

I demand that XXXX process my IBR requests, since every time, I have provided them with my tax return and a letter explaining what my gross income is. I also want my automatic forbearance time credited back to my account.
The original company whom provided me a loan, sold my loan to another company. However, it has now been nothing but harassment. They call all day everyday, even after sending them a letter with contact permission, they also harass my family and my work place. Every time I ask for contact information they refuse to give it to me, and hang up.
Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.
On XX/XX/2018 I checked the chase Mobil site for and update on my balance. On the site there are 2 balances shown one is a present balance the other is an available balance. I had an available balance of almost XXXX so I used my debit card. The next day I checked my balance again and I had a negative balance totaling XXXX. I got charged XXXX four different times for insufficient funds. I have called the customer support center twice both times representative was not helpful at all. They will not take the charges off because I reached the limit for reversals I tried to close the account down because of this they won't close it. I have no problem paying for the purchases I did make but I told them I am not paying the 4 overdraft charges because i had a positive balance when I used my card. Chase Bank is the worst bank to choose to have an account with ever since the first month I had my account I've had nothing but problems with them
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Chase bank never acknowledged my fraud claims and shut down all my credit cards. I feel this is very unfair I will take the bank to court for small claims if they do not write me a cheque for XXXX dollars that I have been charged in fraud but never was credited,
I have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
I strongly disagree with the PayPal 's abrupt decision to permanently limit my account. The reason to close my account due to security issues is very obscure and is quite contrary to the way that I operate my business. All the transactions/orders have been fulfilled and shipped to the customers. Over the last 6 months of operation, I had zero disputes on my account. Furthermore, I have provided PayPal the suppliers invoices as requested, revealing my personal information and my supplier, and that significantly concerns me and especially my supplier as a breach of privacy. 

I have submitted a letter of appeal to PayPal but I have no received any response at all.
This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.
In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent the plaintiff and requested for " VALIDATION '' of debt. They refused to send in anything but summary of the said account by the CITIBank. Yet, per the court case ( # XXXX, Attached copies ), I have been summoned to appear in court. 

Thank you, XXXX XXXX XXXX
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.
Denied for a credit card because XXXX ca n't verify my address. Experian has me at the wrong address. Tried their online dispute form twice, both times it says they ca n't allow access. Tried calling during business hours, waited for " next available representative '' for 30 minutes, then had to go back to work. It is impossible to get this company to address a problem they created. And they charge {$10.00} to lift a security freeze that will expire before I can get them to fix the problem!!
Wakefield & Associates contacted me about an ambulance bill from provider XXXX XXXX XXXX ( XXXX ) a few weeks after XXXX provided service to me. The date of service was XX/XX/2017. XXXX ( later ) admitted they never sent an invoice to my residence because my insurance had already arranged to pay, as I expected they would, though I was unaware of that fact at the time. 

I was surprised because every other bill I had from that day was covered by my insurance. Wakefield told me to get paperwork from my insurance and forward it to Wakefield so they could bill my insurance. After waiting hours to speak with my insurance provider ( at Wakefield 's behest ), who told me that they did not issue out that paperwork, Wakefield called me again, and I advised them the provider did not give out that paperwork. They then told me to " speak to somebody else at the insurance company. '' I told Wakefield to speak with the insurance provider, which they refused to do, and the call ended with Wakefield stating that there was no resolution between myself and Wakefield. 

I called XXXX to verify that this bill existed, and to question why it was immediately sent to collections. I was told then that it was already paid by my insurance provider, that the matter was handled, that they would NOT call off the collection agency themselves, that I did NOT need to proactively address anything further with the collection agency, and to merely inform the agency the bill was paid if they called again. 

I do not owe any money to XXXX, who has already collected on that debt, or to Wakefield by any right, and I am not happy with the status of this matter because I believe my credit might be adversely affected.
I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agreement. 
I paid in full the original loan of {$5100.00} in XXXX XXXX - I have a copy of my check ( apparently my check did n't get applied to the account until XXXX XXXX, XXXX ). I emailed XXXX in XXXX when I saw that the check had n't cleared yet. But XXXX via ECSI sent the loan account to collectors XXXX XXXX XXXX and I disputed the XXXX % late charges that XXXX/ECSI applied to my account XXXX XXXX which is what is still showing as remaining on my account. If any late fee was to be charged, it should have only been {$20.00} late fee ( each month over 61 days past due ) certainly not the {$1700.00} ( XXXX % late fee -- which is now showing as {$1200.00} for some reason ) which XXXX via XXXX XXXX XXXX are trying to collect from me. I sent documents detailing the dispute to XXXX XXXX XXXX last year. My credit score was already impacted when XXXX sent this to XXXX XXXX XXXX last year. Then XXXX sent the account back to ECSI to start this process all over again, which seems highly suspect. Now XXXX is sending my account back to collections XXXX XXXX XXXX a second time, which I disputed last time. All this is just going to cause more hassle for XXXX and XXXX XXXX XXXX, because I dispute and am not paying that XXXX % fee. I believe that XXXX needs to honor the agreements that are in writing in the emails sent to me and in the XXXX Transitional Funding Guide. The most I am willing to pay is the {$20.00} late fee, but I should n't even have to pay this late fee as I already paid the original loan in full last year. XXXX XXXX will deal with me in a fair and transparent manner. Telling me I would get a {$20.00} late fee in XXXX XXXX and then having ECSI charge a XXXX % late fee without telling me is wrong. XXXX has their loan money back- I repaid it last year. There is no reason to draw this out further, wasting time, money, and re-reporting this to a credit bureau again. Let 's come to a close with this. Let me know what XXXX will do to honor the loan terms in writing ( XXXX Transitional Funding Guide & XXXX Grants & Loans emails ) instead of trying to charge me a XXXX % late fee on an amount that was n't supposed to be charged.
There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.
I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help