WillisBack/dataset-financial-user-claim huggingface dataset:
We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.
IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.
I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9 missed  payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for ye ar 2015 showi ng a payment every month to  XXXX  Web Pmt Single - Online Pmt  XXXX
On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.
I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX Alleged Debt Owed : {$600.00} Original Creditor : $ XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.
I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.
XXXX XXXX XXXX. Removed all of my payment credit history for my truck loan for 5 years of paying on time never late because they reported to all XXXX credit agency of first XXXX late payment then second late payment due to me disputing there action on my credit soon after that my credit score went from good to poor. I applied for new line of credit and a new credit card from my own unions who I am a active member and was turn down credit due to what was on my credit and my credit score Not enough credit information insufficient credit history revolving trade highly utilized or credit line not available this is n't fair to me I just purchase my VA home in XXXX 2016 and ca n't get a new line of credit or a new credit card to transfer my balance because XXXX XXXX XXXX deleted all of my payment history from my own unions programs after paying a 5 year truck loan to establish excellent credit that I have personal worked very hard on maintaining. Thank you, XXXX bless you and your Family!
I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you
RMS wont stop contacting me and even through the mail! I do not owe waste management nothing!
Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XXXX XXXX, XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XXXX XXXX of XXXX, and by me on XXXX XXXX of XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in XXXX XXXX of XXXX XXXX, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.
I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.
Call navient about my loan amount to find out why it was so high. The responds I recieved from navient was, we are unable to tell you that information, because we can ouly go back so far, but what can tell you that your loans were merged together in 2011 and we are unable to see anything past 3 years. The next thing I was told by navient was to contact the schools i attened to obtain this information, I informed navient that I contacted XXXX but wes unable to contact XXXX XXXX XXXX do to the fact they were no longer in business. I thanked what do I do because my loans are totalling XXXX dollars and I know this can not be correct. Navient then sent me to another website were it gave me no information it all. Now I am being told that my payment are upwards of 1000+ dollars which i can not afford. With no help insight I have no ideal of what to do on this matter.
I cosigned a loan for my cousin. The loan amount was approved for {$5000.00}. After he left school some how the loan was approved to {$7000.00} of which he didnt receive. The money was sent to the school according to XXXX XXXX who sold the account to navient. They say i have to contact the school, which has since closed.
I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!
I am trying to refinance my house and I have learned that credit score information provided to consumers is not the same information used by mortgage companies. One mortgage company told me that it is " the fact of life '' and difference is usually at least XXXX points. While it appears to be a small number it does impact the rates available. In my case, I checked my credit score through the credit card companies which indicated that I had score in excess of XXXX. When I applied for mortgage, I was told that my credit scores came back as XXXX, XXXX, XXXX. There is obviously different ways of calculating credit scores which are supplied to mortgage companies vs those provided to consumers. It is not right.
A XXXX XXXX calls to state they need information on a debt. They will not say who the creditor is. They seem to be trying to fish for personal information. They state they are from Clearview Resolution and are in the Department of Civil Processing. She states her extension is XXXX. They call from number XXXX and want you to call them at XXXX. 

They also have a guy stating his name is XXXX XXXX call ; he states his is from XXXX XXXX XXXX wanting to drop off something that needs to be signed. And refers you back to the XXXX
I have already attempted to resolve this with Chase Credit Cards on numerous occasions, and still I am being ignored. I was charged numerous fees for items that I never purchased on both my Chase Slate and my Chase Amazon CARD, without my express approval. I did not give the company permission to take the large amounts and tack them onto my card. I did not make these purchases, and will not be paying them.
On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX  Transunion, and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XXXX XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.
I have went back and forth with Transunion, XXXX and XXXX in regards to hard inquires removed after not having any help with the creditors who ran my credit without my consent. I have disputed these inquires and was unsuccessful.
I h ad a Sears cre dit card. It was last used in   XX/XX/XXXX  or    XX/XX/XXXX . I we nt through a divorce and financial hardship and was not able to pay this bill. When I explained to  Sears  what was going on I never heard from them again. They mentioned garnishing my wages but it never happened. After I put myself through school and am now back on my feet financially I have reached out to  Sears  to take care of this debt. I was informed by  Sears  customer service I needed to talk to Sears recovery. After talking to recove ry 4 tim es I was informed it was filed as  XXXX  in   XX/XX/XXXX  a nd I could not settle the account or make any payments on the account because of the  XXXX . I was then told to write a letter to Citibank because recovery believed it should show a   XXXX    balan ce on my credit report. I wrote a letter to  Citibank  explaining what I knew and what I was told by  Sears   Recovery. I was sent a letter back asking for the credit card number. I could not obtain  that number because  Sears  in not permitted to give that kind of info out or did n't have access to it. I did get the la st   XXXX   digits tha t are listed on my credit report from a lender I am dealing with. I returned a letter to Citibank with the info I had obtained and my social security number ( that 's how everyone else looked up the account ). I explained why I could n't get the full card number. I explained what I was trying to do and just like the previous letter offered to make payments or a settlement amount or even pay the whole thing. I have not received any communication from them since. I waite d 3 we eks and sent the letter again. I still have not had any communication with  Citibank to this date. I just want to try to get this resolved and fix my credit.
XXXX  has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.
XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.
WELLS FARGO XXXX XXXX CREDIT CARD for the billing cycle XXXX/XXXX/XXXX to XXXX/XXXX/XXXX previous balance was {$750.00} payments {$300.00} new balance should be {$450.00} They charge me the interest of {$660.00} to make a new total balance of {$110000.00} How come they charge {$660.00} when my balance for that period was {$450.00}
This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan.
The credit bureau is reporting a bankruptcy on my report. The courts do n't verify that information. It was pulled from a third party reporting therefore it needs to be deleted.
My complaint with Experian is as follows : I have found an account on my credit report that I know to be reporting wrong and I notified the bureaus of this in XXXX to no avail. Not only was there no investigation, but I also received a letter stating that # XXXX they would no longer investigate and # XXXX that bankruptcies stay on my credit file for XXXXXXXX years. I did NOT request the time frame for public records. I asked for them to correct or remove the inaccurate account, which they did not. 
I provided the proof from my credit report via an Experian-related website that clearly shows information that does not belong to said bankruptcy. I also called the court and was notified that they do not, in fact, validate information with the credit bureaus and that they use a 3rd party to report the information. 
Please note : Federal law mandates that all the information on my credit file is required to be ACCURATE and COMPLETE and once I notify them of this, they are required to investigate. I have the physical petition in my hands, and this information does NOT match what I am seeing on my credit report. Below, you will find the letter that I have written to Experian as well as attached along with the original dispute and a copy of my credit report and identification. 

Letter dispute : Consumer Financial Protection Bureau Complaint # XXXX CC : Attorney General of CA - complaint submitted XXXX XXXX, XXXX via online submission BBB complaint submitted XXXX/XXXX/XXXX RE : Inaccurate information on my credit report I 'm confused as to why I 'm still seeing this inaccurate and invalid account on my credit report. I provided you the proof last month that you 're reporting this incorrectly and all you did was send me a report with a statement that says " public records such as bankruptcies may stay on your credit report for XXXXXXXX years ''. I did not ask you how long they stay on. I asked you to correct or remove this along with the proof that you 're reporting it wrong. I also called the court and received proof that you do not verify with them. 

My dispute is as follows : US BKPT CT CA XXXX XXXX XXXX Court name listed wrong : You have US BKPT CT CA XXXX XXXX and this is not the name of the court - this has to be listed accurately and I 'm proving to you again that its not! 
Date : I did n't file this on the XXXX of the month. Please send me the petition that reflects this exact date that you have listed. I possess the petition and it does, in fact, list an entirely different date! 
Docket # : the docket # XXXX is invalid and does n't belong to this bankruptcy. Send me the proof or remove it please You did not verify this and therefore, it has not been legally verified. Hence, I request that you remove this at once, as it is ruining my reputation and credit-worthiness. XXXX states that the only form of legal verification is possessing the physical petition to " verify ''. Please send me the court petition that reflects this exact information. 

Please send me an updated credit report immediately. 

XXXX XXXX