WillisBack/dataset-financial-user-claim huggingface dataset:
Two JPM Chase Private Student Loans remaining on my credit report should be removed immediately. According to my credit report they were opened in XX/XX/XXXX. They were reported delinquent in XX/XX/XXXX. I know they are due off by law in less than 1 year but my family needs my credit restored now.

I disputed the legitimacy of the accounts with XXXX  on XX/XX/XXXX and XX/XX/XXXX. The dispute results are wrong. The dates reported are wrong as well as the payment history. It is my contention that it should have been reported delinquent immediately therefore my XXXX   years have passed. The first 3 months are marked OK as if I made a payment. I never made any payments or agreed to any type of forbearance. Furthermore I can not get ANY information about the accounts from Chase, XXXX, US Dept of Ed, XXXX, XXXX or any other place Ive been directed. Ive spent multiple days on the phone, sending certified letters, etc.

XXXX  mails its dispute results. On Report # XXXX dated for XX/XX/XXXX the phone number XXXX is listed as a number for JPM Chase. XXXX XXXX XXXX   in XXXX, OH is also listed. My certified letter to the XXXX XXXX received no response. All of my contact information including address, phone number and email were listed. I called the XXXX number listed, a sister company representative used my social security number to find my accountNO DATA WAS FOUND.

The link dedicated to student loans on Chases official website says all private loans were sold to XXXX Chase no longer deals in student loans. Again, my loans are now 10 YEARS OLD. Chases customer service literally had nowhere to send my call. This can all be verified easily by visiting the website.

I tried XXXX. They had no record of those two private loans. They directed me to the US DEPT OF EDUCATION. Hold time + phone time was over two hours. The US Dept of Ed has absolutely no record of these loans.

I want them both removed from my credit report immediately. No one can verify the information. No one can give me information. Each party directs me to the other parties. Its a cruel situation. Im a now XXXX  year old married father of XXXX, in career year 8. Im stable now and credit is really holding us back. They give you all the credit you want as an 18-year-old kid with no income and let you hang yourself. I want to be free from these loans that are older than my children.
Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership
some guy name  XXXX   XXXX   XXXX  kept pretending to be me I do not know who this individual is.          XXXX  account reported on  XXXX   XXXX ,  XXXX  This agency did not report an open account to this bureau.   Open Account #  XXXX  {$1600.00} Balance  XXXX   XXXX  Creditor {$1600.00} High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.   Responsibility -- Remarks Note
I took out a mortgage with Wells Fargo in XXXX when my husband and I bought our co-op unit. In XXXX, we refinanced and moved our mortgage to XXXX. There was a mishap at the time of the refinance that resulted in Wells Fargo sending me the stock certificate for my co-op unit instead of sending to XXXX, however I was able to resolve this at the time. 

Now, 4 years later, I am selling my unit and today received a title report that shows that Wells Fargo still holds a lien on my property even though the loan was paid off in XXXX. We are scheduled to close on Tuesday XXXX/XXXX/XXXX and my sale is time-sensitive, as the purchase is being made using funds from a XXXX exchange. When I called Wells Fargo today to inquire about this lien, I was told it may take up to 30 business days to issue a XXXX, which will delay and possible derail my closing. I will also incur an additional month of expenses as a result of having to close later. I feel that the bank was careless in dealing with my account closing, as demonstrated both in my receipt of the stock certificate as well as their miss on not closing the lien. This mishandling is now impacting me financially.
First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me.
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX
I paid a mistaken amount {$3800.00} and tried to repay for {$3600.00} after my bank rejected the insufficient funds, and it's been 8 days, and the rejection is still not reflected online. Therefore, I can not make payment and it sabotages my ability to move forward and may have made an issue in the minimum payment.
Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.
In XXXX XXXX, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus XXXX XXXX XXXX XXXX Experian XXXX asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau XXXX XXXX XXXX responded by deleting the said file from my records.
I have sent four letters to Transunion credit dispute department started on XXXX 2017 thought out the months leading up to XXXX 2017 asking them to verified four accounts each time Transunion mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Transunion have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Transunion is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
On XXXX XXXX, 2017 I called capital one credit card regarding a purchase from XXXX furniture store in XXXX XXXX Texas, I tried to work out the dispute with merchant on faulty item I was sold but the merchant refused to work with me. I file a disputed with capital one regarding this item, being faulty them the merchant agreed in text messages to take back the item I returned the item and the merchant refused to give me a refund. I advised capital one what happened I was told to get a police report and I did. The merchant told me the item is Arkansas. Now capital one wants to continue charging me {$1000.00}. I still have n't received any mail regarding the case.
I claimed bankruptcy and did n't pay the loan for a year. The loan was consolidated twice and paying since XXXX. I pay every month {$300.00}. ( washich is can How can I still owe {$39000.00} and still have 135 months to pay. It is supposed to be a 20 year loan. 
This makes no sense. 
Why is this?
In XX/XX/XXXX, Citizens Bank  issued our pharmacy business a revolving line of credit for 7 years for the amount of {$120000.00}. In XX/XX/XXXX, the issued as a second line of credit for the amount of {$27000.00} raising the total to {$150000.00}. This second line was never used by us, but it was issued by the bank to act as a safety net. All payments were paid on time every single time over these two years. 

InXX/XX/XXXX we began shopping different banks to acquire a SEPARATE loan for a second business location. Citizens Bank  was one of these locations. We were in contact with a newly appointed loan officer by the name of XXXX XXXX. His official title being the Assistant Vice President of Relationship Management. He reviewed our application for the NEW location, and said he wouldn't be able to do it. 

A few days later we attempted to access our line of credit for our original pharmacy, to pay our drug distributor, but the bank website was down. When we visited the bank branch to get the transfer initiated manually, the manager informed us that our line of credit had been frozen and the current balance had been converted to a term loan. Apparently only the loan officer, XXXX XXXX, could deal with this matter, but she was unable to contact him, as were we because he was intentionally declining our calls. Despite multiple messages from us, and various employees of the bank, we never received any responses. 

According to the bank manager, in order for a change like this to occur with our line of credit, the bank has to issue has a notice 30-60 days ahead of time. In this situation the bank failed to issue any notice whatsoever, and we only found out about this change when we went to make the payment to our distributor. Due to the short notice, we had to scramble and apply for a line of credit with an external loan lender, at an extremely high interest rate that we now have to pay back within the year. 

We project to gross over a million this year, yet the bank with these actions has put our entire business as well as hundreds of patients at risk of not receiving their medication from the pharmacy and pharmacist that they trust. With our numbers, we can get another line of credit elsewhere, but it'll still take a couple of months to secure one. Citizens Bank has been extremely non-compliant in this matter, as they continue to pass this matter on to different members of their company, not giving us any response. In the meantime, we have been forced to consider selling our business, because of the lack of prior of notification. 

Despite us having a perfect record in terms of payments, and everything else, this bank has felt that it is acceptable to yank a line of credit it reviewed only FOUR months ago. As a matter of fact, after the review, the bank felt so confident that it increased our limit. In the past four months, there have been no major changes financially within our business. We simply do not understand how a bank can make such a big change ethically and legally in such a short period of time with NO PRIOR NOTIFICATION WHATSOEVER and put a million dollar business at risk.
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX  had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX  and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXXI also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
I contacted Carrington Mortgage about my loan and spoke with XXXX his ID # is XXXX ... I explained to him how Carrington had  lied to me about helping with my loan modification..Carrington refused to accept payments to bring my mortgage current. XXXX  was very helpful and he said that he would send me a reinstatement letter and I should receive it by XX/XX/18. On XX/XX/18 I received a letter from an attorney saying Carrington is foreclosing on my home and God knows this is WRONG, illegally trying to foreclose on my home. Carrington, why did you lie to me? Im so upset. Im trying to stay in my home. I just dont understand a mortgage company refusing payments. Carrington, you promised you would work with me and suddenly you foreclose on my house? Im praying XXXX steps in and turn things around because this is not right.
XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX  XXXX   XXXX Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.
I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards
XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.
According to the company ( Chase Bank ) some type of credit checking report was done with it's current customers and at that time they deemed some customers " eligible '' for an increase in interest rate. They stated that I got the best interest rate a credit card company could offer. So, my interest rate went from 12.74 % to % 16.49 %, doesn't sound like a very good deal to me. When I called to discuss a double interest rate charge, I was told that I " qualified for the rate increase '' and only after three separate phone calls I was finally told that the purchases I already had on the account prior to the increase were protected at the original 12.74 % rate and the new purchases were now being charged the new rate of 16.49 % rate. As the new rate was not my issue, I wasn't too happy to hear that i was being billed two different interest rates. However, my concern was that the account was paid off in XXXX, so there was no longer a balance prior to the rate increase ( and purchases made XX/XX/XXXX and after should only be at the new rate not both ) but I still got hit with TWO finance charges!!!!

This is UNFAIR!!!! Their explanation and reason for the charges is totally unacceptable. If there is no balance on the account, HOW DO YOU CALCULATE INTEREST?????
This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
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Please see the letter provided by XXXX XXXX in XXXX 2017 for the removal of this account.
Hello, I reviewed my Equifiax credit report and noticed that one of my 'associated addresses ' is invalid. I have 3 addresses associated with my Equifax credit report : 2 are in New Jersey and 1 is in Texas ( zip code = XXXX ). 

I have only lived in New Jersey and I have never lived or held an address out of New Jersey. I contacted Equifax to remove the associated address for Texas ( zip code = XXXX ). Equifax has not yet responded to my inquiry. However, I am also making this complaint here. 

Let me know if you have any questions in order to proceed or verify my account/personal information.
XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.