WillisBack/dataset-financial-user-claim huggingface dataset:
Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.
I was a valued member of Chase Bank for over ten years. I have excellent credit with a credit score near XXXX. In XXXX, I was out of the country with limited access to internet, and Chase Bank allowed me to spend more than {$1000.00} over my credit limit because I was a " valued member ''. Because I was out of the country, I had no idea, and my monthly interest and " over-the-credit-limit '' fees raised through the roof. It was so high and so out of control by the time I returned home that I repeatedly asked Chase employees if ANY HELPFUL PROGRAMS existed to help pay down the credit card. It was not until I broke down into tears at a Chase branch before someone finally offered me the number to a third party loan-repayment program. This program that I entered shows on my credit report, limiting my opportunities and causing emotional stress, AND it costs me a monthly fee. I have since closed ALL Chase accounts. If Chase bank stopped my card once I reached the LIMIT that I had agreed to and been allowed, this would not be the current situation.
On  XXXX / XXXX /  XXXX  , Navient received my payment for  XXXX  loans :  XXXX     XXXX   XXXX     XXXX    XXXX   XXXX      Loan   XXXX  got paid off completely, next loan  XXXX  was suppose to be paid off as well, it turned out my payment was more then enough, so they kept a credit of {$1800.00} against this loan without informing me. I emailed them after a week to use this credit amount and pay it towards  XXXX  loan. After a week they finally did it but : instead of making a payment  ( {$1800.00} ) tow ard loan  XXXX  they transferred all of the funds that were paid towards loan  XXXX  to loan  XXXX  so now loan  XXXX  has a credit of {$1300.00}, and loan  XXXX  is back to original state. Also loan  XXXX  bears higher interest rate. So after  XXXX  weeks from repayment I am still being charged interest on loans that were suppose to be repaid while they hold credit balances on paid off loans.     I refuse to call them, they have terrible customer service, I do n't have time to spend  2 h ours on the phone with them. They do n't respond to my emails anymore. Please help.     Thank You.
My XXXX payment is almost half of my monthly income. I have contacted Aes several times about lowering my payment but every time they refuse to help. They say I am not eligible for any of the other options. I am a XXXX and will be forced to default if American Education Services refuses to help with a lower payment.
I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, Experian ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. 


SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
XXXX has placed a collection on my credit despite the fact that their parent company was paid by me. Equifax has this reporting as account # Account # XXXX, however my Account # XXXX was the number listed on XXXX bill. The patient # XXXX. I sent them a check on XX/XX/2016, it was received and withdrawn from my account on XX/XX/2016. They have not removed this from my Equifax profile. I have attached a copy of the cleared check.
I Made all payments to Bank Of America 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.
I previously submitted a complaint on Transunion, XXXX, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, Transunion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
This is the worst company I have ever talked to I have called 15 times faxed documents 5 times they lose my documents put me on hold or transferme over and over 2 hours per call minimum they have locked my report I can not access it I can not apply for credit I 'm trying to buy a house and they are refusing me access or help to fix it they are incompetent please help me sue
I had arrived home at approximately XXXX on XX/XX/XXXX and grabbed the mail. There was notification from Rickart Collection Systems , Inc. stating that they were a debt collector from my account with XXXX and must notify them within 30 days of receipt of this notification if I dispute this debt. I called up my representative XXXX that night at approximately XXXX. I inquired about the debt and she stated that this was a debt that was from XX/XX/XXXX to XX/XX/XXXX in the amount of {$1100.00} for services from XXXX at XXXX XXXX XXXX XXXX. I have not resided in that home since XXXX. I had filed Bankruptcy and was discharged of all debt in XX/XX/XXXX from this residency. XXXX XXXX XXXX is a duplex that I purchased and is under one parcel. I find it funny that now at the end of the 7 years this resurfaces and that XXXX is again trying to collect on old past debt, debt that was included in the bankruptcy and now appears that they have created a story to get me attention to make contact with them to discuss and collect on past debts. I stated that someone has taken my identity and put service in my name but for only a 3 month period? XXXX advised me not to call the police to make a report until after I call XXXX. She stated to put the dispute in writing. I hung up with her and then called XXXX and spoke to a representative. He had stated that the bill is from past accounts in addition to this new account that was created on XX/XX/XXXX through to XX/XX/XXXX which was put in my name. Again I have not lived at this address for many many years. He stated that there is old account balances and when someone comes up for service with the name it attaches that debt to the new account in hopes of collection or termination of services when payment is not made, which has happened in this case. The only problem is, is that its not me, I do not even have XXXX as my electric provider close to 7 years now. Also, they sold off any past debt to collection agencies so why are multiple people trying to collect the same monies? This is very wrong and I feel that they are in hopes of trying to scare me into paying money not due or to falsely create a new collection inquiry on my credit report.
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Glasser and Glasser continue to contact my parents about an unsecured debt they are attempting to collect. They have on two occasions filed court paperwork to my parents address and on two occasions sent mail to my parents. They have my address, it has n't changed in nearly five years. I have informed Glasser and Glasser by email and fax of the proper address and asked for payment options to be sent and any other documents and they have yet to do so..
Today, XX/XX/2018, i received a call at XXXX from the phone number XXXX. I was scheduled to get a call at noon from XXXX XXXX XXXX regarding a service issue I have been having and the same lady i spoke to yesterday about the issue was to call back. The same lady with the same name called and informed me that she was calling back to discuss the issue as scheduled, and says but before we start, I have a personal business matter to discuss, can I get the last four of you social security number?, assuming my att account needed to be re accessed to start the process i gave the number. She immediately proceeded to disclose that she was with a different company, the company associated with that phone number ( ConServ? ), and stated that this is an attempt to collect a debt from XX/XX/XXXX for the amount of ... i hung up the phone because This unacceptable behavior. An associate at XXXX XXXX XXXX is imposing as a customer service agent and using this as a lure to retrieve personal information of a customer to broker a collection. I can not confidently be a customer if XXXX XXXX XXXX any longer, and this deceiving strategy to collect does not make me comfortable giving any further information to settle said collections.
I paid {$1700.00} on XX/XX/2018. 
My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. 
Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. 
The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.
RECEIVED PHONE CALL FROM WESTERN CONTROL SERVICES XXXX XXXX LEFT A MESSESAGE DIDNT IDENTIFY WHO MESS WAS FOR BUT WAS A DEBT COLLECTOR. CALLED BACK XXXX XXXX XXXX  HE ADVISED I HAD AMOUNT OWED ON MY BILL TOLD HIM I HAD A DISPUTE ON AN ITEM WOULD GET BACK WITH HIM BUT WANTED TO TAKE CARE OF IMMEDIATELY TOO GET RESOLVED.XXXX XXXX XXXX AGAIN ON XXXX XXXX, 2019 DIDNT GIVE MINI MARANDA DIDNT WANT TO LISTEN TO ANYTHING I HAD TO SAY JUST AMOUNT WAS OWED TOLD HIM I WANT TO PAY BUT ID LIKE SOME MORE INFO HE SAID NO AND STARTED THREATING HE'D JUST REPORT TO MY CREDIT AFTER I TOLD HIM I WAS GOING TO PAY THE BILL I OWE {$380.00} TILL TODAY I HAVE NOT RECEIVED WRITTEN NOTIFICATION FROM THIS COMPANY. I'M GOING TO BE CONTACTING AN ATTORNEY IN REGARDS TO MY CONSUMER RIGHTS THIS COMPANY IS HARRASSING ME AND I ALREADY SAID WOULD PAY THE BILL. THIS COMPANY HASN'T FOLLOWS THE FDCPA
Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.
Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified
Im make payments on time, and ask for increasing credit line XXXX, and today them not respond, I have more than 24 months with this credit card
Fraudulent charged of my credit card, US Bank Edge - Ending # XXXX. 
Good day! 

My complaint is regarding the fraudulent charged to my credit card US Bank Edge ending {$9100.00}. 
First of all, I paid off the previous balance of {$130.00}, XX/XX/XXXX 
I received a letter stated that it was late one day, so they want me to pay the late and late interest. 
I called and told them that, it was fully paid stated previous balance month of XX/XX/XXXX. 
Per conversation, cant waive the full amount because of the interest earned from the one day late fee. 
They asked me to pay {$25.00}. I dont believe consumers have to pay interest earned from the late fee. 
I received a letter that I owe {$4.00} which is another fraudulent charged. 
The US Bank Edge was doing fraudulent charged to the consumers and that is not acceptable or illegal.
My foreclosure began in XX/XX/XXXX when my servicer was XXXX XXXX XXXX ( an arm of XXXX XXXX ). They mishandled paperwork through FOUR failed modification attempts. During the second of these attempts, they filed a lis pendens with the court. They claim my husband was served. He and I are both on the mortgage. I was never served. Neither was he. But because they have an Affidavit of Service, the judge has continued to side with the bank. And because I was unaware of the action, I never responded. A few months later, during my THIRD ATTEMPT AT A MODIFICATION, there was a settlement conference scheduled. I did n't know what it was about because I was unaware of the foreclosure, so I called XXXX and asked them what I should do. They told me to disregard the notice. So now the courts see me as someone who does n't care about my home. But I do!!! 

In XX/XX/XXXX of this year I submitted a short payoff offer of $ XXXX to the bank. They rejected it. On XX/XX/XXXX I  submitted a modification application to them. They denied it. They said that because I 'm over 100 payments behind they ca n't help me, and that the only way I can save my home is by making the mortgage current ... to the tune of $ XXXX. They wo n't eradicate the interest and let me start from scratch. They can put those payments on the back end, let me pay back taxes and insurance, and let me start again. But they wo n't. 

They would rather put a mother on the street with her children than work with me. It 's disgraceful. I have contacted all of my elected officials as well as news outlets and the Attorney General about this. Now I am contacting you.
Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now  struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.
After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company.
My husband and I applied for a loan on Saturday XX/XX/2018 the company pulled our credit reports and the notification of a hard inquiry on Equifax immediately came through on my XXXX XXXX App. I have also been able to see my equifax score and account information since equifax was added to XXXX XXXX. Today XX/XX/2018 the company sent our information to the credit union that will be completing our loan and the credit union was able to pull my husbands information but not mine. I contacted Equifax and they told me that they do not have a credit report for me. I informed them that I could see my Equifax score on XXXX XXXX  and that there was no way they didnt have a report for me. They just kept telling me that they could not find one and would not provide any solution, investigation, or information on how to resolve this error. Its like I was deleted from the system after Saturday and Equifax showed no interest in finding out what happened.
Opened an account with PNC for its {$300.00} promotion for Opening a new Virtual Wallet with XXXX and fulfilled the promotion requirements. It 's been XXXX months and have not yet receive the promotion bonus, which is longer than the terms of conditions stated. 
Promotion link : XXXX? WT.mc_id=LP16_PNC_0005 & m=w
I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting. 
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.
On the day of XXXX/XXXX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XXXX XXXX XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XXXX XXXX XXXX my employer came up to me and asked if I re cashed a check from XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XXXX/XXXX/XXXX was re cashed on XXXX/XXXX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XXXX XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXXf XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.