WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a Ch. XXXX Bankruptcy in XXXX California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid CHASE accounts in full. 

XXXX - CHASE reports XXXX " Derogatory '' accounts. 
The first account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 
The second account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and " Potentially Negative Closed ''. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report " Status : Payment Plan '' and in " Remarks Chapter XXXX ; wage earner plan account ''. This account should also be reported as closed. 

I have disputed the incorrect information XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to CHASE and ECAST Settlement Corporation, the address listed with the Bankruptcy Court. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.
Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me
Throughout my XXXX college and university career, I took out school loans equaling about $ 55k through XXXX XXXX which was the only lender used by those institutions. In XX/XX/XXXX, I became aware of the PSLF and inquired about it. I was told to keep paying the loans as there was insufficient information and I was doing what I was supposed to. At some point, my loans were sold/moved to Navient. I contacted them and also shared that I would like to ensure I was taking the steps to be eligible for PSLF. They also confirmed I should continue paying the loans and as we approached XX/XX/XXXX they would have further information. I inquired throughout the years to both companies, I would say annually, and was told I should just keep paying. Over this last year I inquired again and submitted the PSLF paperwork. My application was denied with the reason that my loan was not a direct loan and that XXXX XXXX and Navient are servicers for student loans. How would I know the difference if XXXX XXXX was the only option I had for subsidized and unsubsidized loans through my public institutions AND they both confirmed that I was taking the necessary steps? When I called about the denial of my application, the Department of Education directed me back to Navient to refinance to become eligible in 10 more years??!!! So I was ineligible because I was paying through Navient and was redirected back to refinance again through Navient! This is 100 % disheartening and, in my opinion, something that should be civilly litigated. I am, as are thousands of others who have been jerked around, the target candidates for loan forgiveness. I am a first generation college graduate and single parent who took full advantage of the opportunities afforded to me to excel and chose to give back as a public servant. I have been successful, and by the time 10 more years comes around, it will be highly unlikely I will be eligible due to income. Calculating the interest and extended loans, I am appalled. 100 % unfair and has caused me excessive grief. Excessive.
Equifax had a data breach at the end of XXXX, XXXX and only declared so publicly today, XXXX XXXX, XXXX. They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

They took their time to deliver the news ( which could even further harm innocent people who were potentially exposed during that time period ) while the executives unloaded their stocks. 

This is foul beyond all means and must be rectified. There are 143 million people at risk now due to their incompetence. 

Retribution is not only just, but demanded.
They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!
Payment mailing address is listed incorrectly in payment book causing delays in processing, resulting in late fees.
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2017, 30 days late as of XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On Saturday XX/XX/XXXX I attempted to purchase digital gift cards from PayPal using my PayPal account balance. I attempted to purchase several gift card sets and received the following error message : " Sorry, we can't complete this purchase at this time. Please return to merchant and choose another way to pay. '' It took three emails and two phone conversations to determine that PayPal is arbitrarily blocking my payments and won't provide any insight as to why or how to remedy the situation. I can only describe this level of service as terrible. PayPal can not provide any insight in to why the transactions are being blocked. They offer no remedy or potential solution other than to try again in 2 hours or 24 hours and it might work but there is no guarantee that it will work within that time frame ( or ever ).
Wells Fargo ( WF ) lied to me about foreclosing my home beginning XXXX XXXX. I was advised by multiple WF agents that I would not be foreclosed for missing payments as long as I was in a pre-approved modification status. My home was foreclosed in XXXX XXXX. It took me over a year, which included 3 HARP applications and 3 WF applications, before I finally got my home out of foreclosure ( after complaining to the Office of the Comptroller of the Currency - OCC ). I have all of the letters WF sent me during that time and after. Because of the foreclosure my employment options were severely limited, without being able to leave my area I could not fully pursue options in my career field. WF constantly changed the rules for getting out of foreclosure and basically made my and my wife 's lives living XXXX. With the latest WF scandal all over the news I would like someone to revisit my complaint. I filed multiple grievances through the OCC which proved fruitless as they gave up and awarded pitiful compensations. Everyone now knows WF was staffed by dishonest and worse people who manipulated and ruined lives. WF needs to be held accountable. I am now in my XXXX with no retirement and nothing in Savings. We live paycheck to paycheck - and like so many Americans ( and because of WF ) - I am painfully underemployed with no bright prospects. I need to be able to relocate and can not do so.
Hello! 

This collection it was removed from my report and know it shows I owned almost {$2000.00}, please help me with this thing. It dropped my score 40 pts Thanks!
On XXXX/XXXX/2014 someone tried to check my credit without my knowledge and created a hard inquiry on Experian that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. Please have it removed.
This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015. 

I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP!
I was a victim of identifying theft, but also blatantly dismissed of just simply trying to solve this matter. This account is a line of credit and credit card that was credited under my name through Citi Bank. The account number is XXXX with Citi bank. I Originally in XX/XX/XXXX, when I first found out about this account, was when Citi Bank started to get Levy my account, I called Citi Bank and spoke to XXXX XXXX, a spokes person. She told me that I would not be Levy anymore since they could not find him in the system when he provided his social security number. The only information I got was that the loan started from XX/XX/XXXX, and the payment stopped in XX/XX/XXXX, then the lawsuit started XX/XX/XXXX. 

After this conversation, They still continued to Levy my account. I went to 3 different branches total to see who opened this account, and find proof that I was not the one who opened this line of credit and credit card. 

On XX/XX/XXXX, I went to the branch on XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX, since no one at the XXXX  location could help me. One of the employee at the XXXX XXXX location told me that there was no ID in the system to show who was the one who signed for this loan. So, they directed me to go to the XXXX XXXX location, since that was the location the loan originally was created. 

On XX/XX/XXXX, I went to the branch location on XXXX XXXX. I spoke with XXXX XXXX, and she said there was no record and would investigate further with a case number ; XXXX. Other then this brief conversation, she was no further help. She promised to call me back, but never did. 

While I waited for this investigation from citi bank to come to some conclusion, there was a judgement on this account, and my personal bank account was being levyed close to {$4000.00}. 

The case number on this judgement is XXXX. 

No one from any branches, and the company itself, when I called, can not show me any proof of who opened this account. Either they would transfer me to another department or location, and not give me this simple request of proof. 

Also, this account is NOT in my credit report! Additionally, I was never served any paperwork. 

Please listen to all recordings and follow up on my cases since I was not only properly served this judgement, but I was also a victim of identity theft. They do not have my social security in file, nor show me any proof of me optaining this loan! I do not speak the language very well, and I personally feel they are taking advantage of me.
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our Experian and XXXX  report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX  by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
in XX/XX/XXXX I filed chapter XXXX there was agree that they would accept XXXX and payment of XXXX amonth I cant control what the trustee does but they agreed to it as the yr when by my spouse have several operation this cause us to get behind XXXX on XX/XX/XXXX I wrote wells fargo a letter to ask them to give me some time to get caught up nice people as they are they send foreclouser notice now they want to take our home now they money I could of payed on my unpaid behind payments I have to hire a lawyer and pay there lawyer to
Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.
XXXX XXXX XXXX XXXX has been reporting a delinquent status on my credit report. I attained an auto loan in 2013, and I am currently paying the balance, monthly, and in good terms yet for some apparent reason they have yet to update the status on my credit report. I have been paying my monthly auto loan on time, from what I recall not missing a payment. Please do contact XXXX XXXX, referring to my name and social security to pull up my account, which will show I have been paying my bill on time. I need to clean this negative mark on my credit report by mid XXXX, for I am on the verge of attaining the loan needed for the expansion of my business operation ( Jewelry Store to be located in XXXX XXXX, CA. ).
So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests. 

MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.
I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX
This is a complaint against Chase Mortgage. 
Reason for the complaint : Chase entered into a contract ( backed up with a commitment letter ) with me and reneged on these terms and offered a completely different package two days after missing the closing date. This ultimatum provided me no options but to accept the revised terms. 

During the 45 day period, I met all financing contingencies in my purchase agreement with the Seller, as these were cleared by Chase along the way. Additionally, I had provided everything Chase had requested and I also received a Commitment letter from Chase to provide the loan. I cleared all contingencies in the Commitment letter. Chase decided just days prior to close that I did not meet the income criteria, ( information that it had all along, a fundamental driver of any loan approval ), and instead provided me a total new loan terms. This was done after providing the commitment letter with the original loan terms. Considering this was done after having missed the original closing date, I had no choice but to accept the new terms. Chase is ethically, morally, and legally bound by its original commitment and I am hoping CFPB will assist me in holding Chase accountable. 

Further details of this complete transaction along with a time line is provided in the attached document.
XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX
I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.