WillisBack/dataset-financial-user-claim huggingface dataset:
I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. equifax didn't try to contact me to see if this was accurate instead just put it on my credit as dead
I have been working in   XXXX   jobs for close to 4 years now. I have also been working to pay off my federal loan through th e Public Service Loan Forgiveness Program. I first  submitted 6 months cert ification ( out of 1 year employment )  to request credit for 6 months of payments and enrollment in the PSLF program. I initially was sent a letter saying the certification was valid and I would receive 6 months of credit for the one year I worked in my first   XXXX   job. I then transferred to another  XXXX  agency where I have been for almost 3 years. In those nearly 3 years, I have submitted yearly certification to show I am in the PSLF program, making on time Income Based payments and working toward the 10 years of service and payments before loan forgiveness. The Fed Loan company ( My Fed Loan ) routinely does not recognize these certifications, or says I have not submitted them, and does not accurately reflect the over three and a half years of payments that I have made in the PSLF program. I am concerned that they are not honoring the work I am doing or the payments I am making. I again submitted another certification this month, to which they responded that they had not received anything and to please re-certify every year. It is a pattern that they continue to exhibit which shows to me that the PSLF program is not being run properly. I also do n't make very much money and the payments they are taking are nearly 1/4 of my total income. I am struggling to adjust to their most recent increase from {$490.00} to {$700.00}. I am a single parent putting a child through college and working in a relatively low paying public service job. Any assistance the CFPB can provide to remedy these issues would be appreciated.
Equifax caused my personal information, including sensitive information like my social security number to be improperly stored and accessed by unauthorized personnel. The fact that the executives sold their stock before disclosing this data breach speaks to the lack of ethical leadership within the company.
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our Experian credit reports include the following new inquiry : XXXX XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " XXXX  '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with Experian, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX   credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone XXXX at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.
XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.
To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and  validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this alleged debt. Please prove that you are the original creditor. 

This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
A collection for {$55.00} from XXXX XXXX XXXX in XXXX appeared on my report suddenly. I disputed with the collection agency, DCI, and they agreed to delete it. It has since appeared, been deleted again, and appeared again. It appears to be deliberate as they have outright ignored further requests to have the information removed.
XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.
My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.
Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.
Date XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  - Used the outdoor Capital One Branch ATM machine located at XXXX XXXX XXXX XXXX NY XXXX -- to deposit {$500.00} dollars in cash ... The cash was accepted by the ATM no receipt was given, the card was returned by the machine, however the funds of {$500.00} did not go into my account ... Returned to the ATM to find out what happened and the number to call for instances like this.. Spoke to a rep for Capital One got funds Provisionally ... Filed a dispute ... 
On XX/XX/XXXX Capital One said there was no error and when I deposited my paycheck on XX/XX/XXXX they took my {$500.00} back from my checking account essentially taking my paycheck in whole ... I spoke to the rep inside the Branch named XXXX XXXX.. She took my complaint.. I also called Capital One back to dispute the judgement call and was told their decision maybe final and I might not be able to get my money back .. They'll let me know in 45 days after they re-investigate my dispute ...
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

According to a phone call to XXXX XXXX on XX/XX/XXXX,  someone tried to apply for a new credit card using my social security number. This is likely a result of the Equifax data breach.
I worked for 5 years as a XXXX in a XXXX ( XXXX XXXX XXXX ) in the XXXX, TN / XXXX County XXXX XXXX XXXX. I love working with XXXX, but the prospective pay was significantly lower than if I were to work privately. However, other XXXX working in XXXX indicated they had successfully used the 5 year XXXX Loan Forgiveness Program to help offset the lost income. So I worked 5 grueling years in this XXXX which was so dysfunctional that there was significant XXXX turnover every year. Every year I was offered positions in less challenging, higher performing schools but always stayed at XXXX XXXX because of my bonds with the children and ultimate promise of the loan forgiveness. By the fifth year, I was one of the most tenured XXXX and considered a resource for stability in the XXXX. I successfully had Perkins loans forgiven under a similar program, but when it came to Navient approving the XXXX Loan Forgiveness Program they said I did not quality because her state XXXX license listed her as a " XXXX '' and not a " XXXX. '' This, while technically accurate, is a ludicrous distinction. In substance I met every program requirement : speech therapy itself is teaching language and communication skills to children with language and communication deficiencies ; the significant majority of my case load was special needs children ; and I worked for 5 consecutive years in an officially recognized low income XXXX. XXXX. I had parents crying thanking me for XXXX over 5 years. I also became a recognized leader in the XXXX in the use of XXXX, especially XXXX, for improving XXXX. XXXX. I say all of this to ask - is n't that the absolute point of this program? To encourage highly qualified ( I understand this is term has varying definitions state by state, but to even be a XXXX in Tennessee you must have a XXXX degree which I have, so I am already " highly qualified '' ) XXXX ( I XXXX! ) to go into challenging positions ( low income XXXX ) that are less attractive ( at least financially ) to help underserved populations ( XXXX who otherwise could not afford the necessary XXXX )? I frankly can not fathom how I do not qualify, especially when other XXXX have qualified under the same program. Navient told me it boiled down to the license not saying " XXXX. '' This is such a classic example of nameless large company bureaucrats finding a way to deny a promise made, and apparently is not alone in other deceitful business practices used by Navient as indicated by the recent lawsuit. In addition, I called the prior Stafford loan servicer, XXXX, every single year to confirm I still qualified for the loan forgiveness program and every year I was reassured I did. Navient only took over the loan servicing RIGHT as it was time to apply. Navient 's excuse was they are more " strict '' than other loan servicers ( I would say " literal '' to the extent of being disingenuous ). Well, as we see in the news now, they are reckless and unscrupulous. I ca n't say I 'm surprised!
I was shocked when reviewing my credit report and found a late payment on XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010
I applied at a bank to pay off a heloc loan at citizens bank. A certified check was sent with payoff of {$120000.00}. The check was received at citizens on  XXXX / XXXX / 2017 . I called for 7 days to see if they received it but they just kept saying no. So i got a tracking number ro prove it  WAS  received  XXXX / XXXX / 2017 . They finally paid the loan off but charged me interest thru  XXXX / XXXX / 2017 . I called to inquire and all they can tell me is they charged me thru  XXXX   XXXX  with no regard for receipt date. They also charged {$49.00} FEE which i have no idea what it is. They charged {$350.00} early payoff fee but i dont know what the {$49.00} fee is. I can not get any answers.
I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.
I do not recognize nor did I authorize the following inquiries to be made : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.
I filed a prior complaint with this mortgage company. Complaint # XXXX. And they did not address the issues that I specifically asked to be addressed. 


I know that the decree was not sufficient to remove me from the debt that is why I attended several of the foreclosure mediations as stated in my complaint. And filed to have me removed from the foreclosure matter. At which time I was removed by the Judge and their own attorneys office. None of which is stated in the letter they filed as their final findings even though a letter from their own attorneys office was provided to them stating I was withdrawn from the foreclosure and I was not a party to it and had no liability. None of this is in their final letter. 


Furthermore my credit report shows that they are showing that I am still late on a mortgage that no longer exists which is ruining my credit further. How can you say a person is 120 days late on a mortgage that was foreclosed on 2 years ago? You are ruining my credit. 

I was not a party to the foreclosure therefore the word " foreclosure '' should not be on my credit report and furthermore you should stop marking me late on a mortgage that no longer exists. 

This is absolutely insane and needs to stop. I want this cleared up immediately.
I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.