WillisBack/dataset-financial-user-claim huggingface dataset:
I met with a lawyer to file bankruptcy in XX/XX/2017. At that time, the lawyer and the information on the bankruptcy filing documents stated that I was not to make payments to my creditors, friends, family, etc. until the bankruptcy was decided- so I had stopped making payments due to litigation pending under advice of the courts. 
XXXX  and Experian show no lates on the closed accounts that were part of the bankruptcy. 
XXXX states that I have 10 lates ( those same accounts ) even though it correctly lists that they were discharged in bankruptcy. 
This is hurting my credit score from them, and any creditor that uses their credit report to decide on credit approval for me is thus not being given correct information- so I am getting double dinged for the same situation, having my bankruptcy on my record which eliminates those creditors, and those creditors showing that I have a history of lates with them. 
They are the only credit bureau which reports these lates from companies discharged in a Chapter XXXX Bankruptcy which supposedly wiped out all of that debt. 
I request that my Experian credit report record be corrected to eliminate those debtors ( and lates ) as decided by the Bankruptcy Court in the granted discharge.
In XX/XX/2017 Bank of America had advertisments on XXXX and search engines about 100 bonus for new customers who opened accounts by XX/XX/XXXX and had at least 250 deposited within 90 days of opening the acct. I signed up online and met the direct deposit requirement and theyre now refusing to honor the bonus because they said i did not use the proper link when there was nothing said about a specific link or code. They then ran a similar promotion which expired in XXXX ... but theyre not honoring the bonus.
Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. 

Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. 

To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. 

After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. 

To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX. 
XXXX : XXXX
I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.
On XXXX/XXXX/2015 I placed an order with XXXX in the amount of {$41.00}. When I did not receive shipping information I logged into my account and noticed the order had been canceled. I called XXXX and was transferred to their Loss Prevention Department. They gave no information for the cancel other that it was done by a third party company named XXXX. I do not know who this company is and have not done business with them. I was given XXXX 's phone number. I contact XXXX who would not give any reason as to why the order was canceled even though my credit card company, Captial One approved the charge. XXXX said they could not release the funds back to my credit card and told me to call Capital One. I then called Capital One who informed me the could not release the funds back to my account and that XXXX had to do the release. I explained that XXXX informed me to call them. At that point the Capital One representative told me there was nothing he could do. I asked him if this third party company who I had never done business with could really hold my money indefinitely. He claimed them could and ended the conversation.
I filed a dispute with CFPB on XX/XX/2018 in regards to a bankruptcy reporting on my Equifax file ... Equifax responded to me stating they had reviewed the information in case # XXXX and that the bankruptcy is currently reporting correctly if I have additional questions to contact XXXX XXXX XXXX XXXX I did contact the court and they confirmed they DO NOT and HAVE NOT reported and bankruptcy information to Equifax or any other credit reporting agency they also said they didnt received any request from Equifax to confirm or verify anything in regards to me ... .Equifax also listed XXXX XXXX XXXX I contacted them as will with the same response XXXX XXXX also confirmed to me that I file with them is suspended due to previous fraud alert this no information on me would be released to Equifax
I 've been a XXXX Customer since XXXX XXXX, XXXX and have made numerous online purchases this company. Their records will show that I have never been late or missed a payment. Unfortunately, I found out in XXXX XXXX that my account was suspended and turned over to collections for an original {$31.00} charge that grew to approximately {$120.00} ( with late fees and interest ). When I called to find out why my account was delinquent, I was informed by the customer service representative that the address on file was our old address ( from 2 years ago ) and that the bills and collection notices were being sent to the old address. What is even more strange is that when I made my last purchase online in XXXX, I updated my shipping and billing address ( see the confirmation email below from XXXX )!!! I worked through the process to have the payment applied and most of the finance charges removed and XXXX apologized for the error and stated they would not report a negative finding to the credit company. Unfortunately, my credit report is reflecting a deliquent amount that I need to have removed. I have contacted the major credit companies and they have indicated they can not take any action as the issue rests with XXXX. When I contacted XXXX, they claim that they did not report the issue and they issue is closed on their end. I need to get this off of my credit report as its hurting my financial future. Thanks! ( XXXX account # XXXX ) See supporting documentation. Thanks!
Today, XX/XX/2018, my employer was served with a wage garnishment order for me. I had no prior knowledge of the potential for this to occur. No one called me or sent me letters. Suddenly they served my employer with papers to garnish for a debt that is over 10 years old.
I tried to settle debt with Blitt and Gaines. They said I would have 60 days to satisfy this debt. I requested they send me info so I can make payment. However, they went back on their word of 60 days and only gave me 26 days. I have proof of email from them stating 60 days to pay and will send it to you. They are dishonest and should not be able to treat consumers this way. I have XXXX kids and a very ill husband who is having XXXX this month. 60 days would have worked but now I have only 16 days to come up with payment or it goes to court. They said XXXX!
In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.
My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.
I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!
I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through foreclosure..
I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.
XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.
My husband and I paid all our rent on time & gave notice before we moved out. We had a walk through and did not owe any money for any damages. We did however forget to ask for our security before we left the state. Months laterthe company that owned the apartment sold the complex and we were somehow charged with owing them more than our monthly rent. We found out about the debt while being denied an apartment. I did all I could to resolve the matter. We contacted XXXX and they said they had no record of us owing anything. We contacted the creditor that owns the debt, ncc business services, and they told us they could n't help us, so we disputed the claims on all XXXX credit bureaus. We have been able to get the debt off our other credit reports but transunion " will not '' remove this inaccurate data from our reports. This has caused us to lose future housing and get higher interest rates by lowering our credit scores. Now we 're out even more than a lost security deposit.
I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the criteria. The criteria was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. 
I met the criteria on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}.
I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.
On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.
I filed a dispute for a charge of {$1800.00} that was a fraudulent company impersonating my timeshare company. I have spoken to Chase several times to resolve this for several hours. XX/XX/XXXX I was told it would be corrected after having a 3 way call with their fraud and dispute department. I received the credit on my statement, which was done twice erroneously, and corrected the next day. The correction, however, was done to both credits so I called again to have it reremoved and one person said it would be taken care of because she saw the error and had to transfer me to the right person to do so. That person then told me it showed I called to say the charge was valid which was both untrue and made zero sense. I have almost 20,000 in charges from XXXX XXXX XXXX and have no qualms paying for my legitimate charges but would appreciate assistance in getting fraudulent charges removed.
When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.
As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-XX/XX/XXXX.
I was trying to take a loan out of my sun trust for {$5000.00} and it said they couldnt obtain my credit report and to contact you guys
I have repeatedly tried to explain to my loan servicer, Navient, that I need help in the form of a forbearance or deferment due to extremely dire financial circumstances. I am the sole provider for a husband who has his own heaping student loan debt but who has become XXXX ill. We have declared bankruptcy from other creditors - we were not allowed to include our student loan debt. We are applying for permanent XXXX for my husband and are struggling to cover the basics such as rent, groceries, medications, doctor visits, and medical treatments. There is nothing leftover in a month to put toward a never-ending, ever-escalating student loan debt. Navient, like XXXX XXXX, and other student loan servicers, are no better than banks or other lenders who are unwilling to work with students who, due to unforeseen and tragic circumstances, are unable to make payments. Instead of halting the loan and working with consumers, they pad the total amount borrowed until it becomes an insurmountable financial burden far exceeding the original amount of the loan. It is a terrible practice to lend to students who do not anticipate that the worst may happen in their lives in the way of job loss ( es ), illness ( es ), and other unexpected hardships that anyone is susceptible to experiencing. No one who takes out a student loan to provide a better life for themselves through education plans on one day living in poverty. Students who have borrowed money to complete college and are unable to make a living should not be made into the working poor, should not be made to have to work multiple jobs to make ends meet.
I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.