WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016 I was scammed with an online job posting on XXXX, the listing seemed very credible and I followed instructions via email to receive a counterfeit check and deposited into my Chase bank account to then withdraw and deposit into the scammer 's account. I received the check for {$3300.00} and deposited to my account on XX/XX/2016. At the time being XXXX years old I knew almost nothing about how to handle unknown checks since I believed in the bank to handle it properly. I continued following the scammer 's instructions to withdraw the money from my account, at this point I did not want to be ignorant so I asked the teller if the money I was about to withdraw was entirely available and if I had nothing to worry about or be concerned of beforehand and the answer was no nothing to worry about, until a few days later that I received a letter from my bank stating the check bounced and the money I had already deposited into the scammer 's account had to be returned leaving me in debt and in great suffering of worries and emotional damage for me and my family. I instantly tried to solve this matter with bank and police but neither could help since there was not enough solid evidence of the scammers and the money was gone. I also reported the matter to corporate offices and was told this was entirely my fault for not knowing very much about checks. They told me the money was extended as an advance without informing me and they expected the check to be legitimate.
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Convergent Outsourcing , Inc has not provided proof of a debt with my signature in which they claim I owe. They are also not licensed in the state of CT to collect such debt.
I purchased my car in XX/XX/XXXX and in XX/XX/XXXX went through a Chapter XXXX bankruptcy. I re-affirmed my car loan and have made every single payment not only on time but more then the minimum due. I have been a perfect Customer so when I went on line to make a payment and I could n't I contacted Hyundai Finance and was advised that they had blocked my on line access so I can no longer have auto pays or make one time payments on line. They stated that they did this b/c I had a discharged bankruptcy. Not only did I find that absolutely absurd seeing that this filing was almost XXXX years ago and they have accepted auto and online payments since then but then they also advised they terminated my online access at the end of last month with no notification. So my only option is to send in a payment ... who the heck does that anymore ... or to make one on the phone with the auto system for XXXX or with an agent for over 7 dollars. Seeing as my car payment is due today I had no other option then to do the auto over the phone option. The rude associate connected me to the auto line however it was for Kia. This is no way to treat a Customer who has made 100 % of their payments on time and more then the minimum due and on top of that to not send out any notification. I want my online access back!
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
I submitted a dispute for a collection account on my record XXXX XXXX XXXX that continues to remain on my credit report in collections and affecting my credit score. I filed bankruptcy XX/XX/17 and this account was listed duplicately on my report and Experian deleted one of the accounts after my dispute but did not the other duplicate account from the same company and it should have been deleted as well. I am attaching a copy of a screenshot of my bankruptcy petition that lists the company twice on my petition.
OnXX/XX/2018 I used Wells Fargo backed XXXX  to make a money transfer to my brother in the amount of {$500.00}. XXXX accessed my contact list to locate my brothers number to start the transfer. The number comes directly from my phone so it wasnt an error with miss-typing the number or anything like that. My brother told me he never received the money. He contacted XXXX, they said they can not do anything and told him to contact his bank ( XXXX XXXX XXXX ). He called XXXX and they said there are no records of money deposited. I contacted XXXX who told me to contact my bank. I called Wells Fargo and they said that they cant do anything. I reached out to them numerous times via online and all they did was post a link to XXXX website. I asked them which institution received that deposit if my brother never received it, they canot provide an answer. I contacted XXXX  again via messaging and I got an automatic reply stating that they will answer in 2 business days ... still I havent heard anything. No one can trace the funds even though my brothers number was correctly entered. The two institutions redirect me to one another. Im not sure what else to do but hope that this has been reported so that people are aware that this is going on.
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
This debt is from 2007 and it has been 10 years since this debt was acquired. I believe this exceeds the statute of limitations in the state of California.
Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Bank of America holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Bank of America. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Bank of America that gives so much run around and lack of assistance. I hope you can help us. 

Thank you, XXXX XXXX
Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry
XX/XX/XXXX 3x {$20.00} charges made on a card we do not physically have and thought we had closed. we had not used the card in over 2 years. XXXX was at work and I was out of town when these charges were made to XXXX, so neither of us had access to a computer and know nothing about this website. We would not have use for online gaming purchases since we do not game online. We disputed the charges on XX/XX/XXXX by calling, filling out a fraud report. We do not have the physical cards or an online banking with Capital One. They closed our account. I called XXXX, our " investigator '' at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and left messages since he has not bothered to call us back. We have sent a written response 3X, 27+ pages, and have not received any acknowledgment of these 3 written letters. XX/XX/XXXX we received a letter stating we were responsible for the charges, {$20.00}, {$20.00}, {$20.00}, {$25.00} late fee and {$1.00} interest. Capital One re-opened XXXX 's account with a NEW number and have not sent the physical cards. We were not aware that Capital One can open a credit card THAT WE DO NOT WANT. This was done on the XX/XX/XXXX - XX/XX/XXXX statement. We have called, closed the account once, disputed the charges and sent documentation to back up our claims, and requested statements on the account from XXXX - XXXX that we do not have records for. We do not have the physical cards, were not using this account we had thought was closed and have no online banking with Capital One. They have REOPENED a credit card without our permission. Is this even legal? They will not respond to our attempts to contact them. HELP!
Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.
Dear whom it may concern, Hello my name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I had my home loan with Chase Bank many years. After the subprime mortgage crisis our family experienced lot of financial hardship. Around XX/XX/XXXX, Chase Bank mailed to us an offer for refinancing with dropped interest rate. They said if I refinanced, my mortgage payments would be lower. At the time I thought it was a good idea so I applied. 
During the loan refinancing process I asked Chase a few times about any available government modification programs, and they said no, I did not qualify. They said that since my credit score was low could make 6.75 % to 5 % with 1 % point principal add charged, I did n't have any choice but to continue with the refinancing. 
After a couple month, we finished the refinancing process in XX/XX/XXXX, we unfortunately began to suffer financially even more than previous year. We were unable to make the mortgage payments for about 2 years. 
XX/XX/XXXX, we had a mortgage loan modification with Chase. When I asked them again about any government modification programs, Chase told me that I did not qualify because my loan was after XX/XX/XXXX. I said, but my original loan was from a long time ago and I did the refinancing because the bank told me it was the only option for lowering my mortgage payments. They told me my loan still did not qualify for government modification programs. Instead they could put us through Chase Bank modification program. 
We did not have any choice ; our family needed a place to live. 
Since the modification in XX/XX/XXXX, we have been paying the payments. 
I am a XXXX citizen. We are not a primary English language using family. I know now the government loan modifications started XX/XX/XXXX. It seems to me that the bank intentionally prevented me from benefitting from the government modification programs. They told me the only way for me to have lower mortgage payments was to refinance, but this only ended up blocking me further from government modification programs. 
I think my loan modification was unfairly settled up. I would very much appreciate if you could please review entirely my case, and help in any way you can. Thank you for your time and consideration. 
Chase Original Loan Number : XXXX was 6.75 % XX/XX/XXXX Refinanced Loan Number : XXXX current.XXXX % XX/XX/XXXX Modification 5.0 % Sincerely, XXXX XXXX
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I AM ALSO ATTEMPTING TO APPLY FOR MORTGAGE ASSISTANCE. MY SERVICER, CHASE, HAS INVITED ME TO APPLY FOR MORTGAGE ASSISTANCE AND HAS SET A DEADLINE FOR XXXX XXXX, 2015. CHASE HAS ALSO SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. CHASE IS ENGAGED IN DUAL TRACKING.
Once again, I have filed numerous complaints concerning Ocwen and still they have not responded to my direct issues. They have not given me my deed to my condo free and clear and have not reimbursed me for the {$25000.00} they paid my condo association while we were still in litigation and nothing had been settled. Ocwen is still a mortgage collection company that has disrupted many lives not just mine. They need to be stopped and pay for their wrong. They can start with me.
Nelnet Nelnet has been asked to provide proof of All loans for account Account : XXXX and has not Nelnet has been asked to provide validation of All debts Information regarding approval and validation needs to include accurate information that matches information reported to CRAs for Account : XXXX and has not NELNET has been asked provide records of All purchase of loans from other companies for Account : XXXX and has not Nelnet Per FDCPA this Must be provided within 30 days when requested and was not has in over 19 ( by own admission ) instances to the CFPB and Company asked for information that is reported incorrectly on Credit Report to be removed or changed This has not happened Nelnet has violated FCRA by failing to provide accurate and timely information to a CRA Nelnet has violated Federal and State Negligence Laws by failing to act in a manner consistent with a negligent act
XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
I opened a Wells Fargo checking account on XX/XX/XXXX. Later I found out that they setup an opportunity checking account which has limits on what I can do with my money. I could n't send or receive transfers, use the mobile app surepay, could only deposit money at the teller or atm. I called Wells Fargo and asked them about this policy for that type of checking account. They said that I would be graduated to a regular checking account after i 've had the account for a year as long as the account was in good standing. Well XX/XX/XXXX strolls by and nothing happens. I call Wells Fargo again and they tell me that they ca n't graduate the account online, so i got to the local bank. At my local WF bank they tell me they ca n't graduate the account. They tell me it is automatically done. Nevertheless im not taking no for an answer so i try to go around the system. I applied for a prepaid card with WF. I was denied for that too!!! At this point I am extremely XXXX. How can I get denied for a simple prepaid card? After applying for the prepaid card and receiving my decision from the bank they tell me I will receive a letter in the mail stating why I was denied. I received the letter and it tells me nothing. Instead it states if I have any questions about the decision to call customer service. I call the number they provided in the letter and the agent cant tell me anything except read verbatim the same exact letter I received. I talked to 2 other agents and they could n't tell me anything either. At this point im livid with Wells Fargo. I close the the idiotic opportunity account and take the rest of my money. Furthermore, I also tried to get a joint account with a friend whom already has a regular checking account with WF ( again trying to beat their system ). Consequently they denied that too. Once more they ca n't tell me why I was denied for the joint checking account. They also did n't state in the letter if they ran my credit or not. If they ran my credit I have the right to know. The reason why i 've tried so hard to establish a REGULAR account with WF is they are nationwide, convenient, technology friendly. It would be easy to receive money for my baby son and his needs from his father.
I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.
Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX   : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX   reported as Negative - not mine XXXXXXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from XXXX  provided that my complaints have been investigated! 

XXXX XXXXXXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX XXXXXXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine Equifax : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

Equifax reports two bankruptcies that are inaccurate or erroneously documented CapitalOne account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.
We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.