WillisBack/dataset-financial-user-claim huggingface dataset:
It is that time for my daily complaint against Equifax. They are going past 90 days on the investigation and still can not get their information right. Equifax should no longer be allowed to be in the business of credit reporting.
They called me concerning someone I know account. I ask them not to call me any more and they keep calling. I don t owe this collection company. I am Ill and do not want them calling me again. It's not my account. I am not the owner of this.
My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.
On XX/XX/XXXX representing BANK OF AMERICA, XXXX XXXX XXXX XXXX, sued me in state court for an alleged credit card account that I have never seen before. The debt was disputed from the beginning. Neither Bank of America XXXX XXXX XXXX XXXX XXXX could not validate and verified the debt. In court they filed an affidavit that was prepared and signed on XXXX XXXX, XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. Bank of America and FIA Card Services paid XXXX XXXX after a Consent Order XXXX and XXXX dated XX/XX/XXXX. According to this Consent Order, BoA has violated few months later by doing exactly the same thing they promised not to repeat. The plaintiff has not filed any contract or terms and conditions with the case.
The following information is wrong on my Experian Credit Report. I've been attempted numerous times to get the information corrected with Experian. Experian has failed to give a reason for not changing the wrong information. 

Wrong or Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX I have never lived at these addresses and I believe these addresses were an attempt of fraudulent activities.
I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. 

In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. 

I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. 

I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). 

As of XX/XX/2016, I received a letter from BMO Harris denying my claim. 

Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. 

When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. 

If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.
About XX/XX/XXXX, I had my business account with wells fargo. I banked with them for 33 years. I had a problem making payments, and a lady called me from the bank asking for the money. I told her I would have my lawyer talk to her about a payment arrangement, and she said she would not work with my lawyer. I didn't want to deal with her. she was very rude. My business loan was for about {$90000.00}. 
I wasn't able to make their high payments and about XX/XX/XXXX, I had about {$11000.00} in my bank account. it was all the money I had to run my business and survive. One morning, I went to pay for parts and found out Wells Fargo simply stole all of the money right out of my account, and left me to survive in the world with {$1100.00}. That's all the money I had to run a business, pay my rent, food, feed and take care of my elderly mother, sister and XXXX nieces and nephews and more. I was devastated, and because of what they did to me, I had to file bankruptcy to try to survive and live. I made it through the horror Wells Fargo Bank put me through. 
The reason I am writing you is because I see that the CFPB got a huge judgment against Wells Fargo, and I was so happy to see that you did that and make them pay for their business practices of attacking helpless people and taking their money. Wells Fargo will contend that they were legally allowed to do that, maybe that's true, but taking everything from someone on purpose and leaving them to die with no money is a practice that should stop. They should have to go through a legal process like everyone else and not simply take everything from someone and leave them vulnerable and helpless and with no money to take care of their family and survive. It was very vindictive and mean to treat a customer like that who was a customer for 33 years. 
They took {$10000.00} from me and left me with almost nothing. It was very traumatic, and I almost didn't make it because of them. 
I hope you can go after them and make it so they can't do this to another person ever again. That bank makes billions and preys on people with nothing. I bet this is a common practice for them and they did this to hundreds of thousands of people over the years. They should be forced to return the money. Taking all of someone's money can lead to XXXX XXXX, and even worse thoughts. It's like a person is having a difficult time making a living during a recession, then the bank comes in and takes everything you have, without notice. This should never happen to anyone, it devastates their life. 

You should get the money back for the other victims like me that went through this experience, and fine them billions until they learn to treat people fairly. 

thank you
There was an American express XXXX XXXX  card applied for in my name without my permission I did not apply
I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Due to 2 unhonred check payments, Capital One closed my credit card account. Prior to this honest mistake, all my payments were in full and on time in cash at the branch. I reached out to Capital One Bank to dispute this and was refused to have the account re-oppened.
Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.
On XX/XX/18 XX/XX/18 and XX/XX/18 i requested by certified mail a validation of debt with a contract bearing my signature and stating who owns the debt from all 3 credit bureau and XXXX XXXX /Resurgent Capitol which is a collection agency. They continuously saying its verified but refused to produce the contract. Also I have no knowledge of this debt or the debt collector who claims I owe XXXX which shows several different amounts on some of my credit reports. I'm requesting that this debt be deleted from my credit report if the contract can not be produced bearing my signature.This is ( 1 ) Defamation ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Report Act.
Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full.
I am on a Pay As You Earn repayment plan for my Direct Unsubsidized Stafford Loans and Direct Student Plus loans. My servicer is Fedloan Servicing ; I work for the United States Department of the the Treasury and am participating in the Public Service Loan Forgiveness program. I believe my monthly payment has been calculated based on my gross income, rather than my Adjusted Gross Income, as it should. FedLoan Servicing has been unresponsive, and I am unsure where to turn. 

I finished XXXX XXXX in XXXX XXXX with approximately {$60000.00} in federal student loans ( Direct Unsubsidized Stafford Loans and Direct Student Plus ). I immediately began working for the XXXX, and entered repayment in XXXX XXXX, following the grace period post-graduation. I asked to be placed on the plan with the lowest monthly payment, so as to maximize Public Service Loan Forgiveness ( PSLF ). Of course, I can provide more specific details, as well as the exact documentation provided to the servicer. 

I did receive a raise in XXXX XXXX, and this past XXXX ( XXXX ), my monthly payment was set to a higher amount, as I expected. However, this time around, I took a closer look at the amount specified and believed it to be too high, even accounting for the higher income level. I emailed FedLoan Servicing on XXXX/XXXX/XXXX ( I have an auto-confirmation email to document this ), and never received a response. In turn, I called and spoke with a representative Friday XXXX/XXXX/XXXX. When I explained the situation, the representative verbally confirmed the " discrepancy '' in the payment amount calculation, and notified me that I would receive a follow up in 7-10 days following a review. The representative 's name was XXXX, and her Employee ID # is XXXX. 10 days have passed, and I have not received a response. Please also consider that i originally contacted them on XXXX/XXXX/XXXX. 

Specifically, I do believe that my payment amount has been incorrect since I entered repayment ( XXXX ), and I have been required to pay more than is required under the program. I wonder if this is something you can assist with / review, and could advise me as to what my rights and options are.
chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.
I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.
I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.
an employee at chase bank removed my name from a joint account that i had deposited {$30000.00} a month before. the employee at chase signed as a witness on a chase bank signature card that had been forged by the joint owner to remove me from the account. the signature card required notary and non was done. the signature card has one forged signature by the joint owner who is being charged with forgery. the bank employee who signed as a witness that he verified my id and witnessed my signature signed and removed my name from the account. i was able to get a copy of this signature card over a year later.
In XX/XX/XXXX, Chase lowered my home equity line of credit from {$160000.00} to {$100000.00} without my consent and this was against the Truth and Lending Act as verified with the lawsuit with other people in my situation. Chase made a settlement with them but they did not settle with me because I was not aware of it at the time. XX/XX/XXXX under Chase suggestion, I applied for a loan modification with one of their mortgage bankers at one of their branches. I supplied the representative with all the information required and completed all the paperwork. Chase received my application on XX/XX/XXXX and the proof is they stamped the first page. Since then I received all kinds of excuses that they never received it, that they lost it, and that they needed more info. Finally on XX/XX/XXXX they discovered the paperwork I had sent them in XX/XX/XXXX. But by then they said it was aged. Since then, I was under an 'inquisition ' and it is still going on with no end. I applied for Step Forward MI ( Hardest Hit Fund ) as well and supplied all the documentation required. I am also working with housing counseling agency XXXX University Extension and they are refusing to accept the documents that I provided to them. I am trying to do everything I can to allow Chase to ask for any updated information they needed but they continue to ask for more and more without end. They offered a repayment plan for {$650.00} a month for 20 years. They said this amount can vary because of the variable interest rate. I offered to pay {$550.00} because that is what is affordable to me ( not including taxes/insurance ) and I could even go up to {$600.00} but I need a fixed rate. I even suggested the loan go to 30 years. Chase was unwilling to consider these terms. They suggested I apply for a modification but I 've been trying to do that for over a year and half with them with no results. I am trying to work with them but they refuse to meet me halfway, give me an answer, or be reasonable with me. I get a different representative every time I call them and consequently I am not able to accomplish anything. Even the person that is assigned to you is never available and I have to talk with a random person every time.
In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the USBC NDG. In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which w ere discharged ; howev er, Equifax has continued to reinsert my mortgage as a new debt. I have disputed this account for the past 2 years with no success. Also, each time Equifax removes the account, it is reinserted a month later. This has caused my credit score to go down by  XXXX  points. I have reached out to  XXXX  as well. They have refused to acknowledge that the mortgag e was discharged and s hould be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my hope that your agency can assist in getting this cleared up and my credit score restored to its previous number of  XXXX .   Thank you in advance.     -- -- --  XXXX   XXXX   XXXX   XXXX  --  XXXX
As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :
We originally started our Mortgage with XXXX  XXXX XXXX in XX/XX/XXXX. I paid them my mortgage and had no escrow account. XXXX  XXXX XXXX sold my mortgage to Nation Star in .XX/XX/XXXX We did a loan modification with Nation Star in XX/XX/XXXX. Upon doing this we were required to have a escrow account. At that time of modification I already paid our XX/XX/XXXX Taxes and insurance and Nation Star dismissed my complaints and required payment to escrow. As time went on The amount paid to escrow since XX/XX/XXXX was way over the amount of my taxes and insurance.I continued to complain and nothing resolved. Nation Star is now called Mr. Cooper. Mr. Cooper has also continued to over charge me in escrow. I am due a refund.at this time I am looking to refi to get away from Mr.Cooper .I believe I am being over charged monthly About {$100.00} each month. This has been going on since XX/XX/XXXX. Can you assist me.thank you.
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.
on XX/XX/16, I received a notification from my bank ( Bank of america ) That there was deposit of 2 large checks amount XXXX and XXXX totaling XXXX made in my account in XXXX XXXX, IL. I informed Bank Of America representative over the phone that it was not me whom made a ATM deposit for those checks and i have no knowledge of whom deposited the checks into my account. I also informed the representative that i live in and on the date of incident was in XXXX, FL. My account was prematurely shut down and i have had the gruesome event of trying to prove to Bank Of America,  N.A that my information was stolen. I was not giving the opportunity to have an investigation done on this matter and upon the shutting down my account which no money was recovered from this incident, My personal information has been flagged throughout banking screening systems such as XXXX  and XXXX XXXX. I am unable to access any information or obtain another account with any financial institute due to this incident. Bank of America have not been helpful or forthcoming in light of this incident and instead of helping they have basically blamed me for my information being stolen and used maliciously. I have spoke to there fraud department and several branch advisor who continuously told me that there is nothing they can do. I have also had a In branch rep tell me they can not find my history with bank of america and insinuated that i may have been at the wrong bank, until i retrieved all of my statement from my vehicle and brought then to the teller. I have filed a police report in this matter and now I am getting a response back from XXXX XXXX after 2 years of trying to clear my name. Because of bank of america, at this time i am unable to get a bank account at any other financial institute for Incorrectly flagging my name. I would like better ways of screening person information before flagging a person for something they did not do.
I tried to contact Transunion to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Transunion did n't respond to me. Please lock and place a freeze on my credit report and credit score.
I left an apartment complex and gave my 30 day notice but they refused to accept it because it was technically 29 days but their office was closed the previous 2 days??? Now i have a collection on my report for the rent plus a toy they found in the septic system that wasn't mine!! I've tried working it out with them but they refuse to remove the collection.