WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX and after investigating them the accounts were deleted. I wrote Experian several times in the past four months regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 


Creditor : XXXX XXXX XXXX XXXX Account Number : # XXXX Reason : Not mine. 

Creditor : XXXX Amount : {$18000.00} Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX Amount : {$21000.00} Account Number : # XXXX Reason : Not mine. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX XXXX
XXXX17. So this all happen today from about XXXX XXXX to now ( XXXX XXXX ) I decided to use the check deposit feature on my NetSpend account because my new job only gives out checks for payday. So since direct deposit was n't an option, I decided to try to load my check into my account through the NetSpend app but unfortunately it only made things worse. I do n't have a car, it was too hot for my XXXX self to take the bus, so I figure this app feature is a viable option for me.
The app basically malfunction on the part after voided the check, hence preventing me from loading it in my card or cashing it in person.
I first called NetSpend angry and they directed me to XXXX XXXX. Supposedly, when I called XXXX XXXX ( who is partnered with NetSpend to do this mobile check load ), my picture was " blurry '' and the black ink was not bold enough ( when writing VOID ). But I only got a messages that read that indicating my account history, not the picture. Once I figured out what " account history '' meant, the 1st XXXX XXXX specialist told me that my account is fine and I attempted to try sending the voided check. But now the app is starting to reset frequently. After it stop doing that, everytime I attempt to take a picture, the screen goes away and an error message reads " detection error '' ... Unfortunately, when I called NetSpend to confront their issue on the app, all the account rep did on the phone was try to redirect to XXXX XXXX to help fix the issue. I basically going no where with two company blaming one another not trying to resolve the issue. What 's worse is that when I called NetSpend to speak directly to someone who would be responsible. For the app, the customer service rep kept giving XXXX XXXX information. I need bus fare to go to work and these companies are preventing me from accessing my money and they do n't even care.
My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX Bankthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX Bank and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX Bank account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.
I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.
I am writing about the worst banking experience I have had with XXXX XXXX XXXX XXXX XXXX XXXX. I have been a customer with XXXX XXXX for several years with no problem. So, you can only imagine my disbelief after hearing that my savings account was being closed for a single check being returned. I had no idea the check was going to be returned. I had no intention of committing any fraud or anything like that, especially with an available balance over 80 thousand dollars. I was told my account was being closed and that any remaining funds ( over {$80000.00} ) would be returned to me. OK I had no say in the matter so I guess I had to live with their decision to close the account. To my surprise I've waited for weeks to receive my money back, but I never did. I called countless times and spoke to customer service ( who were nice ) but It's the back office banking operations who were completely unhelpful. Every-time, I was told that my money would be returned. I have been waiting for YEARS now, and still have not received a cent back from that godforsaken, distrustful, disgrace of a bank. If you are looking into a savings account, look far away from XXXX XXXX XXXX, they are disgraceful and will use every trick in the book to weasel their way into stealing your hard earned money.
To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.
I received a voicemail on XXXX/XXXX/15 from someone named XXXX from XXXX XXXX XXXX at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from XXXX XXXX XXXX @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.
Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!
I first requested a credit report thru your website since XXXX 2016. Equifax say they do n't understand my request I guess they have never seen your forms before. They are liars cheats and theives, XXXX. Today for the third time I am sending them clear, legible identification exactly the ones they asked for in XXXX in XXXX. Equifax is playing fast and loose with the law with the intent to profit from the bargain of selling peoples information. Credit bureaus can and have been sued. Now that the XXXX liberals are out of office and the credit bureau should take heed and start to comply with federal law.
I submitted all required documents for an income driven repayment plan by the deadline of XXXX. They received the initial application via the website portal. Since my income had changed from the previous year, I then faxed over my proof of income to their fax number. They did not update my account and did not notify me that they did not have the complete application until XXXX when they stated by IDR was denied and I owed {$1500.00}. I then contacted them and they told me I just needed to upload my proof of income. Since they claimed they did not receive my initial fax, I uploaded a document through the website per their instructions. They then updated my account for the future payments to accurately reflect my income but refused to update it for the month of XXXX and state I still owe them {$1500.00} for that month. My income has not changed at all. I submitted the initial fax by the deadline. They did not inform me they did not receive the complete application. They told me I just needed to upload proof, which I immediately did. Now they will not update my account and are trying to say I did not file within the deadline, except I did. It is not my fault someone in their company did not update my information with the initial fax that I submitted with my application. And now they are refusing to be held accountable and simply update my account. If they are not going to man the fax machine, that should not be an option to submit documents. This was in no way my fault and I have repeatedly explained the situation to them and asked them to update my account, as they are required to do. I have fulfilled my end of the financial agreement. They are not.
Citizens Bank offered a promotion to open a checking account. I received this promotion via e-mail, clicked on the link and opened the account. I met the requirements from a timing standpoint and started direct deposit. The {$400.00} bonus was to be paid within 90 days.

I opened my account on XX/XX/2018 and my first direct deposit for {$1000.00} was made on XX/XX/2018. The program requirements were to open the account between XX/XX/2018 and XX/XX/2018. There were no requirements as to the timing of the first direct deposit, only that it be at least {$1000.00} ( which it was ) and that the bonus would be paid within 90 days of the direct deposit.

At 90 days I called to check on the status of the deposit. After numerous attempts and a lot of time on hold and being misdirected by ineffective service representatives, they eventually told me that I was not going to receive the bonus as I must have clicked on the wrong link when opening the account and some identifier number did not get logged with my account.

This was after I spoke to a number of service representative who told me I had met all the qualifications and payment must have been overlooked by the sales department and it would be corrected.

I called Citizens Bank on XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX and XXXX, before someone actually told me that they were not going to pay the bonus on XX/XX/XXXX.

I had called a few times before then, just to verify that I did not need to do anything further.

Banks should not be allowed to offer promotions and then ignore their promise. The promotion encouraged me to print a copy for my records which I did, but that did not matter to Citizens.

I've attached a copy of the offer from Citizens Bank which I received via e-mail. There is only one obvious link - " open account ''. They claimed I must have clicked the wrong link and therefore, the way I opened the account did not qualify me for the offer.
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors. 
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX. 
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. 
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection. 
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.
On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account.
In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations
RE : Equifax and  XXXX  Credit Repor t A 2 rel ated creditors are still listed/showing on Equifax Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s  ) Principal/Nationstar were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   XXXX   XXXX  Florida discharge documents as well to substantiate my claim.
XXXX XXXX Card by XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).