WillisBack/dataset-financial-user-claim huggingface dataset:
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible.
On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts.

Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis inXX/XX/XXXX, whereas my credit score plummeted from XXXX ( GOOD ) to XXXX ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays.

The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply.

Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so.

This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. On or about XX/XX/XXXX My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts.

Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays.

The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply.

Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so.

This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
On XX/XX/2018 I purchased a Western Union money order. The money order was never received by XXXX XXXX to whom the money order was sent. I mailed the original receipt ( as instructed ) and {$15.00} check ( which was cashed ) processing fee to Western Union. The refund, has not been sent. Customer service tells me they can't find the information. And various other excuses. I believe Western Union is  taking advantage of the less fortunate people that use the Money Order system to wear them down and keep their hard earned money. I would like my refund and request that an investigation be conducted by the Federal Government into this situation. How much money does Western Union keep from innocent people that just don't have the means to fight back. Re : Money Order # XXXX Amt. {$260.00}. Processing fee sent on XX/XX/2018. ( CASHED ).
I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.
I sent so money threw money gram and it was reject and not pay and they will not responds, to give me my money back, I have call and email and no response
I responded to an offer online with Chase. 
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106. 

Well my first statement was received and with it was a {$95.00} fee
i am not delinquent on anything at nationstar. nationstar added this document to my account and it feels like they are XXXX with me again now in a different fashion. i do n't know what to make of this document. i pay my full mortgage payment each month and i have no clue how i can be delinquent on anything in my account from nationstar. it seems like every time i think my account is settled and going good nationstar gets sneaky and extorts more and more money out of me. nationstar is full of scammers! what does this document mean????
I have received notification from my home owners insurance company that my policy was going to expire due to non-payment, yet my mortgage loan is escrowed. In order to prevent the cancelation I paid the home owners policy myself. I have been attempting to contact my mortgage servic er ( Wells Fargo ) however they do not pick up any of their phone line when going to the insurance prompts, or general servicing. Most recently I called the line stated that they are experiencing a high number of calls and to call back later then disconnected me. I as the consumer should not be responsible for correcting my mortgage companies error, and even when I do correct it, I ca n't contact them to discuss to prevent from happening again. Not sure what the service company is doing other than simply taking my payments. Need help to get into contact with Wells Fargo since multiple  attempts at multiple lines have failed to get anyone on the phone.   Thank you.
By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. 

There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.
On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. 
I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.
These people have called multiple times. I have already told them I am the wrong person, but they keep calling me. The phone number that called me was XXXX and had an automated machine saying I had to update my business info on XXXX. I called the number back and it directed me to https : //www.portfoliorecovery.com/.
I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX FiledXX/XX/XXXX Charge off Last UpdatedXX/XX/XXXX Experian - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XXXX Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX ''XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.
I have been a Bank of America customer for 18 years. This year, for the first time, without any notification, the bank started to charge me maintenance fee without notifying me. When I called Customer Support to understand why, they told me my account has changed status due to change of average balance. However, my understanding is that they are obliged to notify me if this is the case. They never did. During the call I asked about notification. The agent did want to answer my question, referred me to another phone number. I called that number and they confirmed my account was demoted and also confirmed they did not notify me. My understanding is this violates regulations. The lack of transparency, communication is lamentable. Also, customer support was not helpful, either refusing to investigate my notification request ( first case ) or shrugging it off ( second case ). I feel they did not only not notify me, but they also did not apologize or care.
they took off all of my good credit reports from all XXXX reports. 
and I want them to put it back on all XXXX reports.
I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.
I was approved for a XXXX XXXX dollar credit card from XXXX XXXX XXXX. From the first time I used the card I had problems. Whenever I try to use it I had to call in because someone would lock my account. Then navy federal closed my account with telling me why and still have not gave me any explanation on why they have shut the account out it 's been about 3 months now and I have yet to here anything on my account. Now they want me to pay money for a card that I was not able to use fully.
Citizens Bank charged extortionately disproportionate overdraft fees when I overdrew the account by {$4.00}. Some of the fees were inconsistent with the policy. This is the chronology of events:XXXX overdraft of $ XXXX overdraft fee ( {$35.00} ) & lt ; = should have been waived by " overdraft pass '' XXXXXXXX overdraft fee ( {$6.00} ) & lt ; = fee starts too XXXX overdraft fee ( {$6.00} ) & lt ; = XXXX business day ( when sustained fees may start ) XXXX overdraft notice receivedXXXXXXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX payment initiated at other XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) There is an " Overdraft Pass '' feature, which states : '' If you overdraw your account with a transaction of {$5.00} or less we will not charge an Overdraft Fee. '' ( XXXX ) So the fee for {$35.00} should not have been charged. Also note that the daily fees started a day sooner than in the terms : " If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn ''. In my case the daily fees began on the third day, not the fourth. Also note that in the end XXXX more fees accumulated /after/ I sent a deposit to make the account positive. For XXXX of those days the money was in limbo, absent from both accounts. 

In the end I was charged {$90.00} for an overdraw of {$4.00}. That 's a staggering 2,261.7 %.
Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.
We went in to discuss the loan process. They ran our credit to tell us what we need to fix first. That was in XX/XX/2016. Now were being notified that we were denied a loan we never applied for.
i had XXXX reward credit card from chase. a month ago chase offer me a upgradede link to upgrade to new XXXX plus credit card.before i upgrade my XXXX card i read the term said chase going to credit me XXXX dollar to my account but today i call chase told they only credit XXXX from XXXX fee from old card that i didnt use and they going to charge me XXXX soon .so i am paying XXXX and XXXX XXXX for my card old card fee is XXXX new card fee is XXXX even the difference is XXXX dollars i feel chase is actully charge 2 time the fee. i feel chase doing something totally different from what i read before upgrade.i feel so disappointed for that i hope can check the link i used for upgrade
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX   XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 Equifax XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX- Inquiry from XX/XX/2018XXXX  XXXX  XXXX XXXX-Inquiry from XX/XX/2018 XX/XX/2018
I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.
I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.
Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.