WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/19 my chase freedom account was closed because of XXXX discrimination. Chase broke the Equal Credit Opportunity Act, chase assumed because Im XXXX that Im poor so they closed down my account without a logical reason. Chase assumed because Im XXXX that I am poor. Chase assumed because Im XXXX that I couldnt pay my bill. Chase stated that {$7000.00} is a very large amount of money and it isnt. Chase stated they were closing my account because Im XXXX and I used their credit card. Chase is so XXXX they didnt even give me the opportunity to pay my bill. I have 0 missed payments and Ive never been late on any of my credit cards but chase has customers with credit cards that are late and missed payments but I am penalized for using my card while being XXXX. Chase will lie and say its any other reason besides me being XXXX but Chase is XXXX and Im not the only XXXX XXXX thats was discriminated against by Chase.
For years now I have been trying to get this GRANITE STATE MGMT removed from my credit. I have never had an account with them. I have never made any payments. I have never been late. I have had 0 contact or association with them. And the credit agencies have failed to show a written signature agreement between me and this company. This debt is clearly fraudulent and I want it gone from my credit. I am fed up. I have years of documentations to back my claim. The next step is my lawyer.
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. 

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX  for a number of years and the attached police report detail and the letter from my XXXX   XXXX prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.
inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   I called the  Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit report ing agencies make mistakes.
Beginning on XXXX XXXX, I started receiving robocalls from the debt collection company. I received at least XXXX calls on different days. The machines left messages on my line with the following text : [ we are calling from Weinberg Mediation Group ] and are trying to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ different voice from the rest of the message ]. We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter. We have decided to reach out to you one last time to give you the opportunity to be compliant and give your statement of intent to our office. Please be advised that if we do not hear back from you today I will no longer be able to assist you in a voluntary resolution. Contact the office immediately at XXXX. Good day! ( Note : The first part of the quote above is in brackets because the messages were cut off from the beginning of the voice mail and may not be an exact quote. In fact, I had to put in considerable effort to learn the name of the company because it was cut off in the voice mail. ) I received nothing in writing from the company and had no reason to believe they had a valid reason to call me. Because of that I decided to file a complaint with the Better Business Bureau XXXX XXXX New York instead of calling the phone number in the messages. The company 's response to that complaint confirmed that they were calling about a debt owed by another person with the same name as mine. I pointed that out in a reply, but the company ignored it. The company did consent not to call me again, but admitted no wrongdoing and maintained that the debt was mine. The company also submitted to the BBB a copy of a dunning notice they had sent to a different address. That was the only way I obtained a copy of the notice, which is attached.
I contacted all credit bureaus about fraud done on my account and they all corrected it except for Equifax. EQUIFAX recieved police report back in XXXX and dispute letters copy of my I'd and a bill. There are fraudulent accounts on my equifax report flex shopper, medical collections, and university of XXXX which is a collection. They are not mines I've been contacting equifax since XXXX of this year the companys have shown exquifax proof and equifax doesnt want to show me proof.
I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.
This is the third time I have put this forward as it has not been resolved. I really have doubts about whether Mr XXXX actually exists. I have the second letter from XXXX but it is impossible to contact him. I have phoned from XXXX many times and left messages. No-one ever answers the phone.I have even emailed XXXX XXXX ( CEO ) twice but had no response. Why does this bank not wish to communicate with its customers?
I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX and XXXX  credit reports. I was never given the right to dispute it or validate it or anything. Therefore I am requesting that it be removed from both of my credit files immediately.
The Company DYNAMIC RS is reporting information on my credit that is not correct from what they are telling me that are the date of services that is showing on my credit is different than that of what they are telling me verbally. I was not notified by this company in writing before they put this information on my credit. Also this information that they are saying that I owed was removed off my credit reports from all the major credit bureaus but since they put different dates of services this is how they were able to get this put back on my credit. I ask them to remove this from my credit and they stated thAT THEY WILL REMOVE IT ... .I HAVE PHONE RECORDING OF THIS BUT NOTHING HAS HAPPENED AS OF YET.
My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.
I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.
I monitor my credit constantly. On XX/XX/XXXX I sent a letter of validation to a company called XXXX XXXX XXXX in XXXX, LA asking them to prove me with proof that I have a debt with the company. They send me a piece of paper with my name typed and a dollar amount stating I owe money. I have no acknowledgement of this account. I asked the company to provide me with documentation indication I agreed to pay money, proof of acquisition, and ask that the account be removed from my credit. The account was removed from XXXX  but not XXXX or XXXX.
Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX
I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.
I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you
I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX 1XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX EXPERIAN :
PAC CR EXHANG ACCOUNT XXXX BALANCE XXXX THIS ACCOUNT SHOULD NOT BE ON CREDIT REPORT I DONT OWE THEM ANYTHING.
I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, XXXX XXXX
My Bank transferred funds from XXXX account to another without my authorization. 
My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!
Ocwen has serviced my mortgage for the past several years, succeeding GMAC when GMAC sold its assets in bankruptcy. In the past few years I have received several communications from Ocwen that appear to be attempts, surreptitiously or by threat, to extract money from mortgage-holders beyond the amount payable to remain current on your mortgage or escrow. These include : 1. Sending notice that Ocwen is increasing the customer 's monthly escrow payment ( and correspondingly the mortgage payment XXXX to purchase property-casualty insurance to insure the property securing the mortgage, despite the property-owner already carrying the necessary coverage. When confronted with this fact, Ocwen representatives claim that they have no record of the existing insurance, despite receiving documentation from the customer and the customer 's insurance provider. I receive essentially the same letter every XXXX for several years, despite carrying the same policy from the same insurer from the date I purchased my home. 
2. On XXXX XXXX, 2016, I received a monthly statement from Ocwen stating the amount payable on the mortgage XXXX XXXX, 2016. I paid that amount during the requisite payment period ( prior to XXXX XXXX ). I have since received numerous calls from Ocwen " attempting to collect a debt '' stating that the amount of my monthly mortgage has changed and the amount stated on the XXXX statement was incorrect by {$72.00}. I have not received, nor can Ocwen identify sending, a statement with the different, larger amount stated on it. Nonetheless, I have received almost daily calls attempting to collect this amount. I have notified Ocwen representatives several times that I have never received, nor, as they acknowledge, has Ocwen sent, a written notice or statement identifying the higher amount. This would appear to be both fraud, and an unlawful attempt to collect a debt.
I was enrolled in XXXX XXXX for the XXXX semester of 2015. I was found ineligible for the XXXX and financial aid was declined so I had to drop out of my classes and leave school. I am now being told that the loan was paid and I owe the money. My transcripts will prove I did not attend school during this time and I would like to see what recourse I can take against XXXX XXXX because since they have reported me as being delinquent I my credit score has began to decline and It has lessened my financial capabilities.
transunion is still reporting inaccurate information for XXXX XXXX XXXX # XXXX. this account needs to be removed. I have the account ledger from the bank who states they have notified transunion about the inaccurate information and still transunion has not updated my account. I have also provided transunion with documentation showing this account needs to be removed.
I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES
TransUnion  LLC   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  The following are credit inquires that should not be listed on my TransUnion credit report. I never authorized these companies to access my credit report. I have never heard of these companies. I have contacted customer service for each of these companies and they refuse to help care of the negative inquiries reporting to your credit report That I did not authorize. I also contacted TransUnion and customer service refused to help. I was told by TransUnion to contact the companies even after explaining that I have already contacted each of these companies numerous times.  <P/> Date :    XX/XX/XXXX   Co mpany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Phone # : (  XXXX  )  XXXX  Date :    XX/XX/XXXX Com  pany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX  Date :   XX/XX/XXXX Co mpany Name :  XXXX   XXXX   XXXX   XXXX .   Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX
XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.
Hello, I mailed a payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. I also mailed another payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. 

Neither of these money order payments was posted to either account. After two weeks of nothing posting, I contacted Citi via online message about both of these money orders and they claimed that had never received them. I filed XXXX lost money order claims with XXXX XXXX at {$15.00} a piece to track down the money orders. I have just received copies in the mail of the money orders confirming that they were cashed by Citi on the dates listed above.