WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is a debt collector that has failed to provide me with proof that I owe them any money. I have sent them several Debt Validation letters asking for proof that I owe them money, they have failed to provide me with any documents with my signature showing I agreed to pay them the alleged debt. Still they keep reporting this alleged debt to the three major reporting bureau 's ; XXXX XXXX, XXXX  and XXXX.
Synchrony Bank took a double payment only one of which I consented to. Placing my bank account in negative and costing me fees for a charge I did not authorize. They have stone walled me on fixing their mess up.
On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.
XXXX Dear I would like to see the accounting records on the loans that you are accusing me of owing. 
Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. 
I am aware of my rights and the statue of limitations in my state as a borrower. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.
My wallet was stolen on Saturday XXXX XXXX. I contacted American Express Bluebird immediately. My card was closed but not before someone took {$230.00} out of my account in two transactions. AEB said I couldnt file claim until they posted. I called back on XXXX XXXX once transactions posted and filed a claim. They then sent me an affidavit which I filled out and sent back on XXXX XXXX. I was told Id have to wait 10 days. I waited and received an email stating they thought transaction was authorized. I called again on XXXX XXXX and they told me there was nothing I could do. They were not going to help any further and there was no one I could speak to in order to escalate my issue.
My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX
Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble.
I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.
In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Experian report number # XXXX dated XX/XX/2018 I have tried numerous time reaching Experian as they make it VERY VERY difficult to reach to start a dispute. They are WRONGFULLY reporting items that I have no knowledge of on my report, in addition when I finally get in touch with some, either online or on the phone, their system could not allow me to dispute.  Experian has had hurt my credit rating and negative affected my credit history and ability that jeopardized my family for their wrong doing. 

On that file, i NEED the following to be removed as they are wrongfully listed XXXXXXXX XXXX XXXX COR # XXXX XXXX XXXX XXXXt COR # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you.
On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day XXXX was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX XXXX XXXX XXXX a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.
There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX   to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and XXXX.
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!
I have disouted these items multiple times on my credit report reported by department of education XXXX. There were 2 seperate loan amounts one for over XXXX and another for almost XXXX. They were removed from my report at one time but later popped back up in the middle of my school year and caused me to be dropped from my classes. I was told they would be taken care of but it has been almost 2 months and they are STILL on my report and still preventing me from going to school. I will no longer graduate in XXXX as i was supposed to and i am very upset.
My friend ( who has the same name but different middle initial and address as me ) notified me that American Express had linked my Membership Rewards account to his account, and that he had full access to use my point balance for purchases, as well as view what I was spending points on, what I was purchasing with them, the airlines I was traveling with, etc. 

It took him 3 days on the phone with AmEx to switch this back and they told him it was because they just used general name + location data to link his account ( despite both of us having different middle initials and addresses ). Furthermore, American Express never told me about this incident and incredibly, I had to find out from my friend - it 's unnerving to know that a ) my privacy data was unknowingly leaked, and b ) even after my friend had complained, I personally was not notified that there was a privacy leak on my account! 

This is completely unacceptable and am requesting American Express to provide me with a sufficient solution to this situation.
A Tax lien that has been paid and satisfied had not been removed from my report it is Equifax is XXXX months delinquent ... I was sent an email stating this would be purged XX/XX/XXXX the email is dated XX/XX/2014.
I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.
I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXXs # XXXX which were well over 7 years old. XXXX XXXX XXXX XXXX then sold these same 3 loans to XXXX XXXX XXXX These 3 loans have not been removed. They are the same debt that XXXX continues to sell over and over. Selling the same loan over and over destroys my credit and is against the law to do. Equifax still has all 3 XXXX XXXX XXXX on my report last dated XX/XX/17. I have previously stated that they be removed. Equifax continues to be difficult to deal with upon this issue. XXXX and XXXX had the decency to remove them quickly. Why has n't Equifax done so? Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly. I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues.
I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and XXXX
I did not authorize any of these inquires : 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 XXXX XXXX XXXX  Thank you for all your help.
Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me.
Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit.
On XX/XX/XXXX, my wife and I opened a savings account at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX. We have had a checking account at this bank since XXXX when Chase acquired XXXX XXXX XXXX, the original bank that opened the account ; our account at Washington Mutual was opened at least 10 years prior to the acquisition. On XX/XX/XXXX we went out of town for 2 weeks. Upon return on XX/XX/XXXX, I had trouble accessing my bank accounts on line and went to the bank branch above for help. I was told that both the checking and savings accounts were closed and could not be reopened due to some difference between the account name and our revocable living trust documents that were submitted when we opened the savings account. The checking account has always been in the name of our trust. The bank said that they sent us a letter on XX/XX/XXXX regarding the account closing that said we needed to contact them before XX/XX/XXXX to keep our accounts open. However, since we were out of town this entire time, we had no knowledge of the closings and no notice until our return. No phone calls or other attempts to notify us in a timely manner were made by the bank during this time. When we returned home and received this letter on XX/XX/XXXX, it mentioned only the savings account and did not mention the checking account at all. The checking account was frozen sometime between XX/XX/XXXX and XX/XX/XXXX for debits, including ACH debits on XX/XX/XXXX to the IRS and California Franchise Tax Board which made our tax payments late and will probably incur penalties and interest. However, my social security deposit was accepted and was posted on XX/XX/XXXX. The bank branch said that a check for the account balances in the amount of {$76000.00} would be mailed XXXX XXXX XXXX on XX/XX/XXXX. However, the check, although dated XX/XX/XXXX, was not received until XX/XX/XXXX. Where was it for a week? This meant that we had no access to our cash for a week. We believe that Chase bank 's actions are at best unethical and at worst illegal.
I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.