WillisBack/dataset-financial-user-claim huggingface dataset:
Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full amount.
The inquiry letters from XXXX state applications were placed at XXXX, and XXXX in my name. If doing so I would 've had to present my drivers license. Upon doing so, my name would n't have been submitted incorrectly nor my address. I have already been financing a vehicle since XXXX 2017 from a buy here pay here car lot. So, I had no need to be shopping to finance a vehicle around the dates of XXXX XXXX, and XXXX XXXX.
I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?
We obtained a mortgage through Bank of America in XX/XX/XXXX. In XX/XX/XXXX, I lost my job, and started commuting to XXXX weekly. In XX/XX/XXXX, we moved to XXXX, TN, and put the XXXX   house up for rent. A year later, due to the housing bust, we could no longer afford to rent the house, since any rental income we could receive was 1/2 what was needed to pay the monthly housenote. We continued to struggle with paying the note for another year.

On many occasions, from XX/XX/XXXX to XX/XX/XXXX we contacted Bank of America 's Home Retention department, alerting them that we could no longer afford the house, and that we were being proactive in pleading with them to help us, and avoid any credit problems. They said that, due to the type of mortgage we had, and since the house was not our primary residence, there was nothing that they were willing to do. Despite this, they continued to have a collections officer call us almost every day, and sometimes multiple times in a day. Although I tried to make him understand our situation, he was rude and condescending, implying that we were lawless thieves. In one conversation, he told me he would " call me every hour if that is what it takes. '' In XX/XX/XXXX, I had received notice that we had a potential renter who was willing to pay {$500.00} less than our house note for rent. At the time, we were {$6200.00} overdue. I used my bonus check for the year, and sent the amount in a Money Order. The next day, the renter pulled out, and I called the Bank of America Foreclosure department, asking them to return the Money Order, since I had no way to continue payment after reinstatement. They said that it had not arrived yet, but when it did it would be returned ( XXXX, XX/XX/XXXX XXXX ). It was never returned.

The next week we consulted a lawyer in XXXX, and were told that, if we let the bank foreclose, the affect on our credit would last up to 7 years. Although foreclosure had begun in XX/XX/XXXX, Bank of America, through deceptive and, in my opinion, unethical means, did not record the foreclosure until XX/XX/XXXX. The house was auctioned off in XXXX on XX/XX/XXXX at XXXX.
In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.
i been trying to have this debt validated last sent a validation letter to credit agency XX/XX/2016 and yet to receive any validation documents or deleted information.
On XX/XX/XXXX I received alerts on my XXXX XXXX app that several inquiries were reported to the credit bureaus indicating that someone was applying for credit in my name. I immediately contacted the three financial institutions involved and confirmed that someone was using my ID to obtain loans. Two of the banks took immediate action to end the loan process, Avant did nothing. One of the banks told me the email and phone number the applicant was using, and I confirmed that the information they had was false. Avant would not even allow me to talk to their fraud department nor would they confirm that they would stop the applicant from obtaining funds in my name. I filed a police report and included what evidence I had. 
Avant was extremely uncooperative while the other two banks were helpful and immediate in their response. I did not hear anything from Avant for months, and when I called they told me there was nobody I could talk to about my " case. '' In XX/XX/XXXX I received an email from Avant requesting that I fill out their " ID Theft '' affidavit which they sent in a PDF form. Upon reviewing the form I noted that Avant wants me to give them all of my personal identification information including my social security number, contact info, driver 's license, bank account information etc. I called Avant to discuss this and still they refused to allow me to talk to anyone in the fraud department.

I have no intention of giving all of my personal information to Avant and question why they would ask for such information when they have in their possession a fraudulent application for credit in my name. I decided to file a complaint with the CFPB. After that I received a second email from Avant, this time claiming that they have in fact funded the fraudulent application, even though they acknowledge that I had called in to stop the loan process. Again, they sent the " ID Theft '' affidavit and requested me to fill it out and include a photocopy of my driver 's license or passport, and to have the affidavit notarized.

Why in the world would I send any information to this company?! If they did fund the fraudulent application after I filed a complaint with them then I believe they have broken the law. I also believe it is, or should be illegal for this company to require in-depth personal information from me before they will send a request to the credit bureaus to delete their hard inquiry.

In their response to the first complaint filed with the CFPB, Avant claims that they had an internal problem that caused the 3 month delay in their initial response to my phone calls to them. I think this is unacceptable. To leave me hanging like they did, wondering if someone obtained funds in my name was stressful to say the least. I think Avant is a terrible company and they have put my credit at risk, and their only response is that they want all of my personal information which I absolutely refuse to give them.
I received the attached letter ( XXXX XXXXXXXX XXXX XXXX XXXX '' ) on XXXX XX/XX/2018 thanking me for applying for a " XXXX credit card account ''. I did not apply for this or any other financial service from XXXX XXXX.
After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, CA. XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX, XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX Summary Chronology of My Complaint Against Asset Recovery, XXXX XXXX   XX/XX/XXXX, my husband passed. 
XX/XX/XXXX, my account with XXXX XXXX/XXXX XXXX became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, SOLD my account to Asset RecoveryXXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, Ext XXXX, Asset Recovery, XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. ASSET RECOVERYXXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). Asset Recovery, XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with Asset RecoveryXXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 
Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXXXXXX I would not complain except, Asset RecoveryXXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of Asset Recovery and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of XXXX  XXXX   ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with Asset Recovery, XXXX XXXX,  began in XX/XX/XXXX, under Asset Recovery and it continues to date. They, Asset Recovery, XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.
I made a XXXX account to sell my washer and dryer. I posted my phone number for any serious buyers. The man who called himself " XXXX XXXX '' was interested and said he would send his check via mail and he would later send his movers to pick them up. He sent a check with extra money so that i may pay the movers. Well closer to the date we set, he said they needed a movers moneygram in order to go. At first I told him no because it was n't my responsibility, but he said he really needed the help. The check was listed on my account as received so I sent the moneygram to his " movers ''. Days later my bank tells me that check has no funds. So I am out that cash and that guy is no where to be found.
On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt
I have a credit card account with chase card services www.chase.com for almost 20 years and I have been paying 5.90 % annual interest rate. I have never missed any payments and I pay a lot more than the minimum payment. I am on social security XXXX now and I use the credit card to buy stuff online and have it delivered to my house for XXXX accommodation. The problem is suddenly .... Chase has sent me an IMPORTANT CHANGES to your account notice ... They are DOUBLING my interest rate to 10.74 % interest per year! They claim that my interest rate is BELOW the LOWEST APRs that they offer on similar accounts. My 5.90 % interest rate is the lowest evidently on these SIMILAR accounts BUT they are saying that 10.74 % interest is what they RECOGNIZE as the lowest APR on these SIMILAR accounts so they can almost unfairly DOUBLE my interest rate with double talk. 

I am already having trouble paying the bill each month. I will have to see a bankruptcy lawyer if they double the interest rate. I am supposed to be entitled to an equal opportunity for credit but they are doubling my interest without any missed payments or problems. I pay by phone or on their website now to make sure I have a receipt for the payment. I started paying online just a couple of months ago and now they are wanting to double my interest rate. Please help me from going into bankruptcy.
I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me
The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.
Santander bank has repeatedly placed extended holds on deposited checks when I've never deposited a bad check and I've been a customer for almost a year. I feel that this is a regular practice of theirs to hold customers funds longer than necessary in order to increase their earnings on interest.
Hello, I am here because I have paid off at least 20 accounts from XXXX to XXXX. A lot of these are still on my Equifax report. Even after, I sent over all documents showing that all accounts was paid in full. Some are still showing unpaid on my report they ask to send documents showing that they are paid, sent them the information they asked for and Equifax still have not removed them off my report. Talk to one rep for them gave her my information and she tells me that she don't have enough information to look at my account. 

It's bad when you have all the documents that is needed and Equifax still want removed the account. And I know they can remove the account cause I see some are not on my credit report now. So to say that they can't remove that account is a bold face lie. And it been away over 30 days and like a said the accounts are still on my report. 

Thank you,
This is a complaint/escalation due to homeowner being misled by XXXX XXXX - said he was a mediation rep - ph # XXXX. 

The reason we ended up speaking with XXXX XXXX in the 1st place is that he agreed to the XXXX phone call meeting that he said was too late for but he would do a conference call in place of it ( the foreclosure process had already begun on XXXX/XXXX/2016. XXXX said he was legal mediation for Seterus and would be happy to have the call. 

XXXX talked like he was offering her the terms of a modification so homeowner jumped at it. XXXX said a 40 yr term. 3.75 % and NO balloon. They have to add the late in the balance or they can suspend money or forbear if they are upside down. The homeowner jumped on it. 

Now we 've been going round and round with documents since XXXX/XXXX/2016 and it seems as though XXXX XXXX 's offer is nothing but words? Granted the homeowner was having issues with her printer and getting me docs but it was n't so long to get them. 

Now I called Seterus today to check on load mod status. 

Called Seterus to check on loan mod status - spoke with XXXX XXXX - said on XX/XX/XXXX was denied XXXX review but reviewing again. Was denied DTI for HAMP being below the XXXX %. 

On XXXX/XXXX/2016 XXXX was told Seterus had a complete package but then an NOD Posted to the homeowner 's property on XXXX/XXXX/2016 leading to unnecessary fees incurred by the homeowner. 

XX/XX/XXXX letter - facially complete - now 3-45 day review period. Based on new docs received. 
Check back in 2 weeks. 

I 'd like to escalate this file to you due to XXXX XXXX 's offer that meant absolutely nothing apparently.
For two months now, my debit card continually is denied despite availability of funds in my primary account. Wells Fargo has stated repeatedly that the issue is 'on their side ' and each and every call to customer care ( there have been 7 calls ) I am told they 'refresh the card ' and that the problem is fixed on their end -- except it is not. My card is rejected at point of sale, at ATM, and online. When I ask a business or service to 'please re-run the card ' -- 50 % of the time the transaction will go through. 
Wells Fargo finally sent me a replacement card and stated it would solve the problem -- it did n't. At first Wells Fargo stated that again, on their side, the card was refreshed and that I should n't have any problems. I even drove to an ATM with them on the phone to prove that the card would not work. 
I have filed a complaint with Wells Fargo but nothing get 's done. I have escalated. All they will do is tell me that they are 'doing what they can on their side ' but yet nothing is getting fixed. 
For 2 months now I have difficulty in getting MY money and using my card. Wells Fargo has failed to take my issue seriously or match my sense of urgency.