WillisBack/dataset-financial-user-claim huggingface dataset:
Chase denied credit because they " inadvertently '' made a mistake. I don't believe that for a moment. I believe it is a business practice which is convenient for them. Their treatment of people is totally unacceptable. I can only assume that the decline is due to my age as my credit is excellent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XX/XX/XXXX Executive Office-ATT : HUMAN BEING XXXX XXXX XXXX XXXX, XXXX   XXXX Dear Robot : I am in receipt of your totally cavalier, non-responsive letter of XX/XX/XXXX. I know you are totally uncaring about your customers but do you have to be so blatant? 

I have no intention of just starting your outrageous procedure all over. I need not to deal with your robot brethren. So, find a pleasant human being, if you P one. E mail me with what, EXACTLY, you need to submit this application. Try to use all the information you have on me at your disposal to avoid unnecessary work FOR ME. Remember ME? Im the customer. 

You have wasted an inordinate amount of time because of your total inefficiency. Try taking some responsibility and a starter course on manners. 

Strong letter to follow. 

XXXX & XXXX XXXX XXXX XXXX
I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6.  Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.
Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.
On XX/XX/XXXX, I went to XXXX XXXX & XXXX XXXX XXXX, XXXX NY to look at appliances for my new apartment. Salesperson XXXX XXXX assisted me. I had planned to use my credit card to make the purchase but Mr. XXXX encouraged me to take out the store credit card through Synchrony Bank and I would be given a promotional sale which is 18 months interest free to pay off my purchase. I credited {$3500.00} worth of appliances that day and he calculated my monthly payments as {$190.00}. I paid {$200.00} every month up until XX/XX/2018. In XX/XX/XXXX to my surprise I received an email from Synchrony Bank saying that the promotion would expire XX/XX/XXXX. I then made numerous calls to XXXX XXXX XXXX XXXX and was given the runaround. They put me on hold numerous times and then mysteriously the call was dropped. On one occasion they said that the manager was busy and would return my call. He never did. When I called back they told that the manager was still busy and I should call Synchrony Bank instead because they could not help me. The salesperson Mr. XXXX was always conveniently not at work to take my calls. 
I called Synchrony Bank and they told me that they had nothing to do with the promotional sale and that XXXX XXXX are responsible. I was caught between a rock and a hard place as no one wanted to take responsibility and rectify the problem. I balance of approximately {$1100.00} became almost {$1700.00} and when I paid monthly interest was again added monthly. In order to preserve my good credit I had to transfer funds from another credit card with a lower interest rate to pay off this never ending balance.
RE : ( 1 ) Experian Credit Freeze Lift Denial PIN # XXXX ( 2 ) Primary Phone # XXXX XXXX No Answer, No Representative ( 3 ) Failure to lift freeze timely. Caused rejection for important loan. 


Hello, I've been trying to Permanently Lift my credit freeze for over 2 week period. Without success. Both other agencies have online ability and it actually works. Experian on the other hand. Phone access is useless. Online access give following denial ever application. 

Response : We were unable to honor your request to permanently remove your security freeze at this time. Please try your request by mail. 

Experian Security Freeze Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security number : Date of birth:XX/XX/XXXX
I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card information.
Auto loan opened on XX/XX/XXXX and cross-collateralized personal loan opened on XX/XX/XXXX were included in Chapter XXXX  Bankruptcy Wage Earners Plan filed XX/XX/XXXX. Due to XX/XX/XXXX XXXX onset XX/XX/XXXX, Chapter XXXX was converted to Chapter XXXX ( filed XX/XX/XXXX ) and discharged XX/XX/XXXX. 

Reaffirmation Agreements for both loans were filed on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX ( XXXX ) continues to report false information to national credit reporting agencies, despite being notified multiple times of the error. XXXX continues to report both loans were included in Chapter XXXX bankruptcy ( FALSE ), and the accounts were closed on XX/XX/XXXX ( FALSE ). 

Attachments : Reaffirmation Agreement - XXXX XXXX XXXX Reaffirmation Agreement - Personal Loan ( cross-collateralized with XXXX XXXX ) Chapter XXXX Discharge - XX/XX/XXXX Chapter XXXX to XXXX Conversion Order - XX/XX/XXXX Chapter XXXX Individual Debtor 's Statement of Intention - XX/XX/XXXX ( Note : Both loans secured by XXXX XXXX were retained and reaffirmed )
I tried to file a dispute to have a wrongly identified judgment removed from my credit report. Experian is wanting me to pay {$25.00} for a credit report and submit a copy of my Social and ID by mail in order to take a look at. I have attached a letter from the Law firm stating that the judgment they have listed on my credit profile is not mine.
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( transunion, XXXX, and XXXX  ) refuse to remove bankruptcy on all my closed XXXX accounts. They claim the loan provider XXXX verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX  for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
I was charged an interest fee on one of my credit cards after I had paid the balance on that card in full, well before the payment due date. The terms for this credit card simply and clearly state that interest will not accrue for at least 25 days after the date of any charges being made on the card if they have not been paid in full. Having paid the balance in full well before the payment due date, there was no interest to accrue, and leave an interest charge, I called the customer service for my bank ( BOA ) and told them I did n't recognize the charge, and had paid my credit card in full well before the payment due date, and the customer service representative told me that they had reversed the charge on my account. Nevertheless, this should not have happened on their part in the first pace, and is no doubt happening to others on a large scale, as it is a large financial institution.
XXXX of the addresses listed on my reports has XXXX XXXX XXXX, I have never lived at this address.
In XX/XX/XXXX, I applied for a healthcare financing credit card, and was approved for a {$5500.00} line of credit. I needed a reconstructive procedure that was {$6500.00} after insurance, so in XX/XX/XXXX, I requested a {$1000.00} credit line increase. I was approved for the increase, but instead of raising the limit on my existing card, I was issued an additional card for {$1000.00}. I made all of the qualifying payments on time, and even paid off the balance early. In XX/XX/XXXX, I was notified by mail that because I had XXXX accounts, XXXX of them would be closed. Inexplicably, the account with the initial {$5500.00} line of credit is the one that was closed, and the account with the {$1000.00} credit line increase is the one that remains open. The following week, I contacted customer service to restore my credit limit to the {$6500.00} for which I was approved. Both the customer service representative and her supervisor acknowledged that issuing the second card and closing the first account are their errors. However, neither was willing or able to restore my credit limit on the account that remains open. The only solution offered to me was to request a credit line increase on the remaining account. This would put a hard inquiry on my credit report for a year, and lower my XXXX score. All of this to correct errors XXXX Bank made, and with no guarantee that my credit limit would be restored to its previous level.
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history
In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX  XXXX XXXX. After several weeks of treatment the XXXX   sent me to get an XXXX done at XXXX XXXX XXXX  XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX  4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. 

I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX  sent me with a referral I do not believe I should have to pay the full amount for the XXXX. 
It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.
I froze my credit report and tried to unfreeze it at a later point. I used all the same information, I am sure of this. Experian refuses to unfreeze it until I send in a long list of documents that I do not have. When I try calling it is not possible to speak to a human.
I have recently closed my accounts at Bank of America. At some point in my decade of using that card, I was signed up for a credit card which I used periodically. In any event, I used a few times and did have a rewards balance of {$18.00} which I believed could be redeemed for cash. Upon closing my accounts, BOA ( via representative XXXX XXXX of Virgina ) told me that they could only give me the reward if I had {$25.00} in rewards balances or more. This is misleading, as that information was not clear from their advertising or any documents I was given. Although it's not a lot of money for me individually, this Bank 's " rewards '' policy likely is very rewarding to BOA collectively.
I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency Experian, XXXX and XXXX several times.
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached Bank of America documents. In XX/XX/2015, XXXX XXXX attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX XXXX counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including Bank of America, NA, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition XXXX demanded I give alternate property to the sheriff and therefore I was Denied. At that point, XXXX was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said XXXX 's XXXX " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from Bank of America and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX
XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.
Equifax continues to report a collection account for XXXX XXXX XXXX XXXX for a voluntary repossession that occurred 7 years ago. XXXX logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided Equifax with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.
I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts
I recently received an accounting of my student loan payments under the Public Service Loan Forgiveness Program ( PSLF ). It took more than 2 years, and 2 formal complaints to force XXXX to complete this accounting. I have two outstanding matters that have not been addressed : ( 1 ) my payment in XX/XX/2017 is listed as being LATE which is not correct ; and ( 2 ) my payment of XX/XX/2017 was for {$1300.00}, nearly 3x 's my normal monthly payment on the income-based repayment plan. 

ISSUE 1 : I did a direct consolidation to qualify for PSLF and my loans switched from XXXX to XXXX on XX/XX/2017. As such, I was not prompted to PAY my monthly payment to XXXX until XX/XX/2017, which I did timely and promptly. Because the date of payment was due to my loans switching from XXXX to XXXX and not because I was late, the XX/XX/2017 payment SHOULD be counted as timely and count toward my PSLF forgiveness. 

ISSUE 2 : In XXXX of 2017, I was forced to pay {$1300.00} OR XXXX would report me as delinquent to credit reporting sites. No one at XXXX  could explain why XX/XX/2017 's payment was more than my normal amount. A supervisor verbally told me my account would be credited with the extra payment, but no one has responded. 

Due to the fact the CFPB is the only avenue by which to get XXXX to respond to me, I would like another complaint issued to rectify these two payment discrepancies. 

XXXX is the worst company I have ever had the pleasure of dealing with. The only way an accounting of my past student loan payments was completed was by filing formal complaints with the CFPB and US Department of Education.
Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

XXXX
PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.