WillisBack/dataset-financial-user-claim huggingface dataset:
I called on  XXXX   XXXX  requesting options on how to lower my principal amount. Unfortunately, I went into  Income dri ven Repayment program but instant of seeing a deduction of my principal, I see an increase over and over. The amount stills $  XXXX  since my graduation date back in   XXXX  . I mentioned that I worked for th e    XXXX   XXXX   XXXX   for 8 years if any portion of my loan could be forgive, they said no. Their option was to add more funds to my payments, which is totally ridiculously. Specially, now that I found out that my position will be eliminated in  XXXX   XXXX . Therefore, I will be unemployed after  XXXX   XXXX . It saddens my  heart that  something that I did to better myself, pursue an  XXXX  had cost me such of major debt and nobody is willing to help me. I did n't said that I was n't going to pay, I was seeking for assistance on how to lowered my principal and eventually payoff my debt. The education format from  XXXX  is heavily criticized, all funds paid and was n't top notch education!! Please help me understand why I could n't get any positive outcome fro m Navient.
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX   ****XXXX not mine XXXX/XXXX ****XXXX never late
I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.
XXXX has been compiling, storing, and selling my personal information without my permission. Recently the company experienced a security breach where personal financial information was stolen, including my own. This fact was verified through XXXX. This makes the likelihood of identity theft unacceptably high.
The following credit inquiries listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX, XX/XX/2018, XXXX XXXX   XXXX, XX/XX/2018, and XXXX XXXX XX/XX/2018.
I applied for the Wells Fargo / XXXX XXXX card. They denied my application for the following reasons : *Too many inquiries. 
*No open installment loans. 
*Too many late payments, negative records, collection agency accounts or derogatory public records. 
The first two items are subjective. However, I monitor my three credit bureau reports daily, and I do not have any late payments, negative records, collection agency accounts or derogatory public records on any of my credit reports. I have a perfect payment history for the reporting periods of all three bureaus. 
I called Wells Fargo and asked them to review their decision. They reviewed and sent me the same nonsense reply. 
In light of the massive fraudulent, criminal activity alleged against Wells Fargo for opening accounts that clients never knew about, I find it incredible that they use a bogus excuse to deny a legitimate application from a well qualified applicant.
I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED XXXX AND EQUIDAX ( HAD THE ISSUE PARTIALLY RESOLVED )
I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.
My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, MS To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX   ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX
I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.
We paid our Bank of America mortgage in full in XX/XX/2018, and sold the house as-is the same month. All liens were cleared, and the closing was successful. The house had been flooded in the Hurricane Harvey flood, but due to the insurance settlement being less than the estimated cost to repair the house, we decided to sell the house as-is. 
Since then, Bank of America has sent letters to me demanding that we set up an inspection on this house to be sure repairs have been made. I phoned Bank of America two days ago and explained that we paid the loan in full ( the Bank of America representative acknowledged this ), that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. 
The Bank of America representative became robotic ( i.e. acting as if I had not said anything ). Thinking this may be a computer, I began to repeat myself. After the phone call, I went on the Bank of America website and filed a complaint explaining the problem. 
Today I received a phone call from a different Bank of America representative. I explained how Bank of America is harassing me on this matter, and repeated we paid the loan in full, that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. She demanded more personal information from me. I explained that this is an internal matter for Bank of America to resolve, and I will not provide any other information over the phone. Like  the other representative, she began to repeat herself much like a computer would do. I requested a letter in lieu of a phone call, but she would not agree to this over the phone. 
I need Bank of America to cease harassing me given they acknowledge the loan is paid in full, Bank of America has no lien on the home, we no longer own this property, and we did not file a claim on the property with Bank of America. It is illegal for use to schedule an inspection on a property we do not own, but Bank of America does not acknowledge this.
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my XXXX AND TRANSUNION credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED.

1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX   Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX  XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My Bank of America mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was Country Wide and was bought out by Bank of America in XXXX. Due to the recent National Mortgage settlement, Bank of America was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.
XX/XX/18 at XXXX, XXXX. I have been receiving multiple calls daily at work and on my cell phone. I answered today and was told the company name is XXXX XXXX. I asked that they do not call my place of employment as I can not take personal calls. The lady XXXX  stated she would call whatever number she wanted and was very threatning. I disconnected the call and she called back 3 times on my work line and left several messages, I then began receiving calls on my cell phone XXXX XXXX, XXXX. 
I tried calling back the number XXXX and it does not work the line stays busy. I tried researching the company online, no information. I looked the company up on XXXX XXXX XXXX   site, and the information stated this company is no longer in business. 
I returned to my work phone and called another number they called from XXXX and asked for information on the company, I was hung up on, called back I was transferred to XXXX and hung up on, I called back and spoke to someone named XXXX and asked for the company information so I could send a no contact letter and was hung up on. I am unable to speak with someone about removing my work phone number.
Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.
I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.
I bought my home with a VA loan through SWBC Mortgage Corp. My issue is that SWBC is making misrepresentations to me about my loan and denying me access to government homeowner assistance programs. My estranged wife became XXXX XXXX XXXXXXXX and this caused major problems when she gained access to all of my bank accounts and savings and drained all of this money. As a result I fell behind on my mortgage loan. I tried to apply for a loan modification or forbearance agreement and was told that those were not options, the only program was a repayment plan and that I would need to be " current '' before they could look at any other options. I entered into the repayment plan and made the payment for several months until the weight from the drained bank accounts crushed me and I fell delinquent again. I tried to get SWBC to work with me but they told me they would not and could not consider any assistance options until I became current. I have checked around and this is not true. There are modification programs for homeowners with VA loans but SWBC is not being straight with me and not allowing me to be considered for these programs. 

I served in the XXXX XXXX as an XXXX XXXX XXXX for 8 years. Upon discharge I entered into the private sector performing the same job for a XXXX company. My wife and I bought my home in XXXX with a VA loan.. Several months later I discovered that she had become XXXX XXXX XXXX and she moved out. She began draining money from the bank account and in XX/XX/XXXX she was somehow able to gain access and take all the money that I had. I was only a couple of payments behind at the time and contacted the SWBC agents to request help. I was told that I could enter into a repayment plan. I made these payments as long as I could but my estranged wife had gained access to all of my bank accounts and had taken all of my money to feed her habit. I finally defaulted on the repayment plan in XX/XX/XXXX. When I contacted their agents to try and be considered for other options I was told I would have to first become " current '' and then they would look at options. This was a blatant misrepresentation because I know there are several different homeowner assistance programs available for struggling borrower 's such as modification and forebearance, and you do not have to be current on your loan to even be considered. SWBC Mortgage Corp. has  intentionally denied access to government programs that they are required to make available. 

Things took a turn for the worse in XXXX when I was laid off from my job. At this time I am receiving unemployment compensation and have asked that SWBC consider me for the forbearance plans they have available for homeowner 's on unemployment. Once again, I am ignored and passed along and told that I can't be considered for any programs unless I am current on my loan. I have new employment lined up and have the means to afford a fair mortgage payment. The issue that I need to address is the delinquent payments. This is an avoidable foreclosure situation if only my servicer were to follow the rules and work with me.
Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved
Part of the 143 million Americans who 's data was breached during the Equifax hack. 

Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.
I have previously disputed the response from experian but i happened to notice on rereading it they say a creditor can report on an account from the filing date to the discharge date.This has been proved wrong by case law and a ruling against them in particular.In white vs experian they were ordered by the judge as to how to mark these accounts.Also when you file bankruptcy the automatic stay goes into effect immediately and any credit account no longer has a specific payment date.The plan in a chapter XXXX sets the date and whether a creditor or a cras agreement is irrelevant.This once again proves this enterprise needs to be run by a government agency and not be a privately held company.I will be writing my congressman and my ag about these very things.
I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.