WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
On XX/XX/18, I received a collection notice from Sunrise Credit Services Inc. stating that they are attempting to collect a debt owed to XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX around XXXX XXXX and they stated that I have no outstanding balance that would have been referred to collections.I called the collections agency and they refused to provide any information on the debt other than saying it was from XXXX XXXX XXXX XXXX. The representative that I spoke to refused to provide their name, refused to allow me to speak to a supervisor, and refused to allow me to dispute the debt. The creditor account number referred to on the collections notice is not the same as my account number with XXXX XXXX XXXX.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX Trans Union, XXXX. XXXX XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 XXXX - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 TRANSUNION - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.
An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Bank of America on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call BoA to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.
I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
All these amounts owed has been or should have been paid 100 % cause I have a medical card that pays everything I would love to know how to get them off my credit report cause I have been trying for a while now to establish good credit
Requested mortgage modification with my mortgage company The Money Source I've submitted my financials and the request to modify my mortgage. 
My home is in foreclosure and I don't want to lose my home. I was recently laid off from my employer and I'm currently unemployed
I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been in XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
dear sir/madam, the   XXXX   XXXX   XXXX   was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :  XXXX   XXXX ,  XXXX .   XXXX   XXXX    XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on  XXXX   XXXX ,  XXXX  {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX     XXXX  Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off
This dispute is regarding account # XXXX for Brite Financial. 

This is a dispute letter regarding an account for Brite Financial Services. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of Brite Financial, has recorded a charge off amount of {$12000.00} with a 39-month term and a monthly payment of {$310.00} on my both my XXXX and XXXX credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, Brite Financial sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ).  I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
Please pull the phone records for a conversation that took place approximatelyXX/XX/XXXX between myself and a XXXX customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XX/XX/XXXX I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!
My partner and I went on the XXXX XXXX cruise ship out of XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX. We stopped in XXXX XXXX, the first port on the itinerary. 

According to XXXX 's Shopping Guide, she highly recommended XXXX 's XXXX for their quality jewelry and discounted prices. We took her advice and stopped in XXXX 's XXXX in XXXX XXXX to purchase two ( 2 ) XXXX XXXX watches. 

After selecting the watches we wanted to purchase, we were ready to check out. However, the salesmen brought us to a jewelry counter and provided us with seats and proceeded to open champagne, and showed us jewelry we had no interest in. We told them we could not afford anything they were showing us. After several glasses of champagne, we were not thinking clearly ( XXXX ). And we were not in any frame of mind to make any major purchases. 

We told the various salesmen who were at our disposal, that we are Senior Citizens with low fixed incomes, and we did not want to purchase anything, except the two ( 2 ) XXXX XXXX watches. 

We were extended credit that we never should have qualified for. However, we left this store with {$150000.00} of unwanted jewelry which is a perfect example of their predatory business practices. 

While at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, we were not told of their return and refund policy. We tried to return the jewelry the next day in XXXX, and we were informed there were no refunds, only a store credit could be issued. 

We have been deceived by XXXXXXXX XXXX XXXX XXXX salesmen. They took advantage of two ( 2 ) Senior Citizens, and never told us of the no refund store policy, only a store credit would be issued. 

When we returned home from the cruise we had contacted Kerryclare, Customer Service Rep in the Corporate Offices of XXXXXXXX XXXX XXXX in XXXX XXXX XXXXXXXX. To return all the jewelry we couldn't afford, she offered us a store credit of {$150000.00}. 

We had all the jewelry independently appraised which cost {$2600.00} and sent copies to XXXX. Apparently, I needed to have the jewelry appraised by an approved appraiser on XXXX XXXXXXXX XXXX list. XXXX gave us an appraiser on her list. 

We brought all the jewelry to XXXX  XXXX ( XXXX XXXX approved appraiser ) and she said she would get back to us in a couple of weeks. XXXX  called us saying she could not do the appraisal because of XXXX XXXXXXXX XXXX failure to send her a price guide, even after repeated requests on her part with XXXXXXXX XXXX XXXXXXXX. 

We have done everything we possibly could to remedy the situation. We have lost complete faith and trust In XXXXXXXX XXXX XXXXXXXX. By the way, XXXX left XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Now, XXXX is the new Customer Service Rep in XXXX XXXX XXXXXXXX. 

This ongoing saga has left us both physically and emotionally ill. The only recourse left is for XXXXXXXX XXXX XXXXXXXX to take back all their jewelry and issue us a full credit to our accounts. This has been a grueling and unpleasant situation for us. 

Thanking you in advance for the attention you give to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest charge.
Subj : Lost wire to Coinbase, Inc. via XXXX XXXX XXXX I initiated a {$15000.00} wire to my Coinbase account on XX/XX/XXXX XXXX through my XXXX XXXX account. No verifiable response was given from Coinbase as of XXXX/XXXX/17. I 've initiated an inquiry from my bank, but nothing is guaranteed and would like to further the process along with this complaint due to what I 've been reading on the blogs regarding multiple other customers having same issue. I followed this link from one of the blogs ... .help!
I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.
After 10 years sending the payments to my private loans with Sallie Mae ; they notify me this XX/XX/2018 that they havent received a payment for that account. Apparently the payments I have been sending they decided to moved all my payments to the federal loans without any explanation or notification. Because I have my private student loans over paid I wasnt notify until all those payments prepaids finished. Now they are charging me late fee and trying to affect my credit because I havent sent any payment something that is not right. Im kept on sending my payments as usual.