WillisBack/dataset-financial-user-claim huggingface dataset:
I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.
Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.
Prior CFPB Case # XXXX Due to AES paying off my sons student loan and cancelling his ACH in error his account went delinquent. This was corrected with all 3 bureaus in XX/XX/2017 but I just received a notice that XXXX and XXXX are still showing that the XX/XX/2017 was 60 days delinquent. 

This company is horrible-My next step is to hire an attorney to verify that this company has the correct chain of title. I will want to see the original notes-assignments from each sale and note endorsements to prove that they are the legitimate owner!!!!!!!!!!!!!! I truly believe that they will not be able to locate what is needed to prove that they own these accounts. 

This has been a total mess for over a year and now I want compensated for wasting all of my time with this incompetent company!!!
XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
<P/>
  XXXX   XXXX    XXXX
Navient reported me as 60 days delinquent to the CRAs in XX/XX/XXXX ; however, if you look at my credit report you will see that they reported me as current for XX/XX/XXXX. One can not go from being current in one month to being 60 days past due the following month. Either Navient incorrectly reported me as current in XX/XX/XXXX OR Navient incorrectly reported me as 60 days late in XX/XX/XXXX. It is not possible that the company 's records substantiated both records at the time they were furnished. 

This illogical reporting calls into question the integrity of Navient 's reporting and whether it accurately reflects the terms of liability for the credit account as well as my performance and conduct with respect to the account. 

I question the status of my loan that Navient reported to its Board of Directors in those months where they designated me " current '' on my credit report but charged me late fees, which I just learned they have done 30 times in the past two years despite me having made payments on time.
I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.
On XX/XX/XXXX, Bank of America gave a {$25000.00} cashier 's check out of my savings account. The person went into a branch in XXXX, XXXX  for the transaction. I live and back in XXXX. Bank of America did not properly verify identity. I have a copy of the signature card on file since XX/XX/XXXX that I got from my local branch so I know B of A has a signature card for my accounts and the signatures don't match. I filed an FTC report and I have sent numerous letters to B of A asking them to return my money and certifying that it was not me who made the withdrawal. I have also filed police reports. I have also made numerous calls to B of A and requested a call back from the analyst handling my claim. I have never received any response from B of A. I asked if I should move the remainder of my money to a new bank. I was assured by B of A that was not necessary. They moved what was left of my money to a new account and I was told there were numerous security alerts and this could not happen again. Then on XX/XX/XXXX, XXXX at that XXXX XXXX branch on XXXX XXXX called me and said another $ XXXX in cash wash just withdrawn from my new account plus a $ XXXX cashiers check. I told him it wasn't me. They stopped the $ XXXX check and arrested someone with that but my $ XXXX is now gone along with the original $ XXXX and B of A has done nothing and refuses to give back my money. They are negligent in the handling of my accounts. Especially to let the same thing happen twice when they assured me it couldn't. XXXX ( branch manager in  XXXX ) told me it was an XXXX XXXX man with a fake ID. I am XXXX. I don't know how it could be more clear that I did not make or authorize these withdrawals. An arrest has been made in connection with the fraud. Bank of America has the video and all the evidence it needs to show this was not me. I have spent countless hours in my local branch and on the phone to B of A and they refuse to return my money. The gave away my money and mishandled my account. They did not take proper steps to verify before allowing someone to withdraw my money. XXXX at B of A even told me the guy didn't have my new account number, he had them look it up. Why would you give out someone's account number when there are alerts that there has already been fraud on their account??? B of A said the balance of $ XXXX would alert anyone who looked at my account profile that there'd been fraud yet the gave away more money to the same thief!!
I filed an dispute with Cabelas XX-XX-2017. 
Advised, Cabelas to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Cabelas that they are allotted 30 days to provide disputed results to me. Never received correspondence from Cabelas.
On my report some of my credit wasnt cleared after 7 years ... why are they showing up on the report now ; closed account
I am writing to complain about unauthorized Inquires on my report that I am requesting the investigation and removal. 

I contacted creditors and asked them to remove their credit inquiry from my credit profile. 

These are the unauthorized Inquires 1.XXXX XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXX -XX/XX/XXXXXX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX- XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 7.XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX-XX/XX/XXXX 15.XXXX XXXX XXXX-XX/XX/XXXX 16.XXXX XXXX XXXXXX/XX/XXXX 17. 
XXXX XXXX XXXX-XX/XX/XXXX I am a victim of several data breaches XXXX XXXX XXXX to name a few.
Already filed one complaint with your agency and have been talking to the bank in regards to this matter. I did authorize 1 payment of XXXX to be withdrawn from my USAA checking account. The bank decided to take more than authorized which was {$750.00}. I did not authorize that amount to be withdrawn.
I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.
I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!
XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to
I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.
We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.
I was pressured into student loans by XXXX for a for profit school that is no longer in business. I was XXXX at the time of the initial conversation. My step father consigned. The loan was initially for XXXX dollars, and 12 years and XXXX dollars later the amount due is at XXXX dollars. The education I received from this loan has not benefitted me at a single point in my life and making payments on the loan have caused me to make decisions in life I would have not made should the loan not never existed, and I blame my XXXX on this financial burden. XXXX has robbed me of my livelihood and continue to rob me of the money I work for to this day. These loans have also caused serious tension between my parents and I due to my inability to pay at times. They do nothing to help except offer forbearance. And they only ever day " these are the terms that were agreed to ''. This company has successfully crippled an entire generation.
I was never given an option for an income based payment plan. I was forced into default and forfeited several years of tax returns on top of bad credit because of my inability to pay an amount that I could afford.
I am the personal representative for an Estate. I contacted Macy 's on XX/XX/2016 when my friend became incapacitated. I hold POA and was advised to send a copy of POA to XXXX XXXX XXXX XXXX GA XXXX - it was returned undeliverable. I called Macys again on XX/XX/2016 ( my friend passed on XX/XX/2016 ) I asked the account be closed a copy of the bill send to my attn. for payment. I called again on XX/XX/2016 confirmed acct was closed and again, requested final bill sent to me. I followed up today XX/XX/2016 and spoke with XXXX in probate. She transferred me to Extension Point, XXXX XXXX - a debt collector. I again, asked for a copy of the bill and a good remit to address. He collected info as a debt collector and advised he would contact my attorney. So now the estate will be paying fees to my attorney to get this bill paid. I have tried to pay the bill and Citibank should be fined for making this so costly for the estate.
Hello, My name is  XXXX   XXXX  I am filing this complaint on TransUnion they have failed to provide me with physical proof of verification of an account by the company name  XXXX   XXXX  located in  XXXX , CA. I have sent two  XXXX  letters asking that TransUnion provide physical proof of verification and all they have done is send me a updated credited report saying verified account.     I know by law that I have a right to have physical proof of how they verified this information which they have failed to do so. I have also disputed this same account with   XXXX   and  XXXX  and they could not verify the account so Im very confused as to how TransUnion has been able to verify an account  but two othe r credit reporting company 's could not. I have an updated report from  XXXX  as well as  XXXX  showing item has been deleted. I am asking that TransUnion follow the law and my right and either provide me with physical proof or delete the item from my report as should have been done months ago.     I am providing my current report from   XXXX   showing they removed the account because it could n't be verified.     Thank you  XXXX   XXXX .
I signed up for a US Bank XXXX XXXX XXXX Visa a few years ago. It came with prescribed benefits for paying a {$75.00} annual fee which I have paid each year. I just renewed my annual fee in XXXX and US Bank has removed the best benefit for me. Stay XXXX or more nights and receive your XXXX XXXX free. I have asked US Bank to refund my annual fee since they have chosen not to honor the terms of the agreement I signed up for but they have refused to do so. This is clearly a breach of contract and I am asking for CFPB to get involved. I am attaching XXXX documents that show the benefits as described by US Bank and the statement that all these benefits are included for paying the {$75.00} annual fee.
I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.
in early XX/XX/XXXX I stopped by a local NAVY FEDERAL CREDIT UNION OFFICE in XXXX XXXXl, NJ.

I only picked up a brochure.

on or about XX/XX/XXXX I received an ACCOUNT STATEMENT for an account that I DID NOT OPEN!

on XX/XX/XXXX after several calls I was directed to the CFPB and I spoke with XXXX   and she advised me to file a claim. I have only been delayed in filing this claim due to a family member passing away.

I am upset that a company or any company would be authorized to open an account without my permission or my social security number.

I feel that they are marketing by creating false accounts in the hopes that someone will set up an account.

I have the STATEMENT that I was sent
Pioneer Collections company called numerous family members speaking to each of them. After contacting the first one, they did not have the right to turn around and contact a second one in the same hour.
I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today, they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX, and did not appreciate being awakened. I looked on the CitiBank web site, and did not see the phone numbers that were left for me. I was told to call " XXXX. '' The phone number on my caller ID was " XXXX. '' I am also on the " Do Not Call '' Registry. I would like to know where CitiBank got my private, non-published phone number, and why they think I have a supposed " account '' with them. 
In addition, I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank, using my name or personal information, I would like to find out.
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
I received two emails from XXXX in regards to my credit score being changed. I looked up my score and it had dropped over XXXX points. I scanned the report with all accounts showing paid. After digging deeper, I found that American Education Services ( AES ) was showing that in XX/XX/2016, I had not paid my loan with them, but every other month after, was paid. 

First, I was NEVER contacted by AES about my account being delinquent or not having paid on a certain month ( and AES never has any issues calling people constantly just to ask them what their middle name is ). I have shown in an attached document FROM AES from XX/XX/2016 that I am XXXX days delinquent on my XXXX loans. 

But yet, according to AES, I had n't paid in XX/XX/XXXX, therefore I was delinquent. 

I am also attaching a document from XX/XX/2016 that shows AES acknowledging their wrongdoing in a previous credit dispute with them, which is what the now current dispute is about. Again. 

To summarize the previous complaint : AES was misapplying payments to an account I was paying for with a check and very detailed information on the memo line as to where the check was to go ( because that is what AES had told us to do ). They were putting the payments in my account, while they were to be placed in another account as stated on the checks I was sending for said account ( as I had been doing for four years ). When I corrected them in XX/XX/2016, they agreed they were in the wrong, but said I would have to pay for the {$520.00} mistake they had made. I disagreed, but made the payment, knowing it was n't worth the fight. The next day, my credit score was hit by XXXX points ( just like this time ). 

After many, many attempts at trying to get AES to correct their major mistake and involving the Consumer Financial Protection Bureau ( which will be happening again ), I finally received the XX/XX/XXXX letter from AES, saying my credit would be fixed. And it was. 

Then out of nowhere, I find that my credit was hit again. For no reason. Again. 

I have paid on time for the last seven years. I have not missed a payment. I made a payment in XX/XX/2016 for {$1100.00} and {$140.00} to cover the {$720.00} loan payment for XX/XX/XXXX and the {$520.00} mistake AES had made by misapplying payments. 

So I would like someone to show me where and when I did n't pay in XX/XX/2016 and why my credit got hit by more than XXXX points again in less than six months by the same company. 

I 110 percent believe that my account is being targeted. 

This letter will be sent, like my previous one in XX/XX/2016 ( also attached ), to the Consumer Financial Protection Bureau and will be fixed by AES. And I will not stop contacting them until it is. Just like last time.