WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I initially sent a written request to Experian letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX XXXX DBA XXXX XXXX XXXX The only response I received were they were verified. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

The only response I received were that the accounts had been verified yet again. On XX/XX/XXXX. I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. The response I received was that they will no longer reinvestigate these accounts. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
O n   XX/XX/XXXX  I received a packet from   XXXX   XXXX   XXXX  . The bank confirmed the fact they received my loan from   XXXX   XXXX   XXXX   on  XX/XX/XXXX   t o service. The account number is  XXXX . on my credit report from  XX/XX/XXXX . Case number  XXXX  you show a date of  XX/XX/XXXX  for that account. That is incorrect. I purchased my hom e   XX/XX/XXXX  loan number   XXXX   with   XXXX   XXXX  . The amount of my first loan was {$49000.00}. The loan with   XXXX   XXXX   XXXX   was discharged on  XX/XX/XXXX . The loan was wit h   XXXX   XXXX   XXXX   in  XXXX  .   XXXX   XXXX   XXXX   XXXX    confirmed this also. I had a loan with   XXXX   XXXX   also. The deed of trust is  XXXX  with   XXXX   XXXX  . The amount Of The loan with   XXXX   XXXX   was {$11000.00}. The loan was paid off.   XXXX   XXXX   XXXX   was a Home improvement loan. The spelling of my name was   XXXX   XXXX   XXXX   -the address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX .   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   number  XXXX - XXXX  TN  XXXX ,   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  - XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN   XXXX      XXXX   XXXX    XXXX  TN -Attorney   XXXX     XXXX   XXXX   XXXX   XXXX  . I used his address once. Attorney   XXXX   XXXX   address was   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  TN  XXXX . Instrument number on the property at   XXXX   XXXX   XXXX    XXXX   XXXX  is   XXXX   XXXX  . Instrument number   XXXX   shows   XXXX   XXXX   XXXX  , unmarried.  XXXX  in the register office of   XXXX   XXXX   County, Tennessee.   XXXX   XXXX  , The pathways subdivision as shown on plat book 64, page 33. The property was foreclosed on and sold to Tennessee Housing Development Agency.   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX . The amount the property sold for is {$18000.00}. The register of deed # is  XXXX . The property parcel I 'd is  XXXX   XXXX  at   XXXX   XXXX   XXXX    XXXX  TN  XXXX .
I called Ford Motor Credit on XXXX/XXXX/XXXX around XXXX XXXX XXXXo try and resolve late payments as I had switched jobs and was getting payed a lot less. So my account was behind. I originally spoke with someone who told me my account has be transferred to a different department but that thy were n't in and that they left a message. Even so they said they were able to help me out and that if I paid XXXX the remaining balance on XXXX on XXXX and then made a full payment of XXXX on Friday XXXX they would be able to keep my account open I said okay and continued about my day. I got a call around noon from XXXX who was pleasant but said that what the first person told me was n't true and that I have to actually pay {$670.00} on XXXX or they would come seize the property and if I did n't give the location or pay it would become a charge back which means hat they can no longer work with me, I told him that I got paid on XXXX but I knew that it was not gon na be that amount and that I could see if anyone would lend me the difference he said okay he 'd be in the office until XXXX XXXX I agreed to call him back before then. I made calls etc. long story short I still could n't come up with that much money on the spot. So around XXXX XXXX I called XXXX back but got voicemail so I left him a voicemail. The morning of XXXX I called back but got transferred to a different person, XXXX. This so who the complaint is about. When I got transferred I relayed to him the situation and the two previous things I had been told. He then proceeded to say that neither of them were correct and the XXXX was cutting me a break with the XXXX I told him that I just got paid today but it 's not enough, he asked how much I have and I told him XXXX dollars the he just flipped and said that I actually owe XXXX and if I do n't immediately wire the money, that they are demanding the vehicle back and if I do n't surrender the vehicle law enforcement will be envoled ( he could n't really tell me how just used a lot of vague threats ). I kept trying to explain the situation but I felt he was n't really listening to me so asked to speak with a supervisor at which point he told me that I do n't have the right to speak to a supervisor, I told him that I do and he then asked me " what makes you think you have the right the speak with a supervisor '' I just said that I know I have the right he 's not listening to me and I need someone that will actually listen and knows what 's going one because at this point I 've been told three different stories. He kept telling me I could n't speak to anyone else and then started asking for my dads number ( the cosigner ) I told him that there 's nothing my dad can do and that 's why I 'm trying to handle it and he kept asking why I do n't want him to speak with him and I said because it 's not going to change the situation then he just kept trying to threaten me into giving my dads number saying he 'll go after him etc etc making me feel extremely uncomfortable, and still refusing to let me speak with someone else. Which I know is not appropriate. I 'm going to call again and ask for a supervisor, because that was not okay.
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from NCB ( see attach letter. ) I never received any validation of the debt from them but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt. Even though they are showing a 0 balance they are referencing some sort of settlement which is hurting my credit score.
I did originally give my approval to open this account. 
The amount of the services was over the amount of credit extended to me. My floors had to be measured for installation of flooring before any amount could be finalized. I was not aware of the actually total until the measurement were taken and submitted to XXXX XXXX the next day. I received an email the next day about the measurement and was ask to come in the store to proceed with setting up what I wanted to be installed. I went to XXXX XXXX, in XXXX, TX on Saturday approx XXXX and was told they had already shipped materials to my home without my knowledge or authorization and they called the credit card company to ask for a credit line increase without my knowledge or authorization. Asking for a credit line increase damaged my credit. The employee ( XXXX ) just starred at me and and said he was wrong ; the other ( 2 ) employees never said a word. This employee was trying to railroad me into $ XXXX dollars for 1 room and 14 stairs and a stair land of laminate wood. I call the credit card company Synchony and an employee and a supervisor could not help me with their policy to request and increase ; but for me to talked with them I had to give my name, ss #, address, phone number. I would think the XXXX XXXX employee had to do the same. XXXX at the XXXXXXXX XXXX XXXXXXXX office said this is not their policy ( to request an increase without the customer 's knowledge or authorization ) and they would talk to the manager. However this does not help my credit that has been negatively impacted. Synchrony does show that a credit line increase was requested. Can you help? or give me some direction? 
ps : approved credit applications should be lock away once approved. This will assist with keeping predator employees from harming customers.
The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.
WELLS Fargo  has repudiated a settlement after we paid the mortgage off in full.  <P/>  WF u nfairly charged us about 36 months of late payments.We fell behind  XXXX  months when l was very ill, receiving  XXXX   XXXX  treatments and could not work.    WF refused all our requests regarding help on this two month, such as adding it to the loan for a payment on s ale.  <P/> A  lthough this was one occurrence, Wells charged us about 30 late payments.
We were forced from our home of 23 years by Wells.On pay off we agreed with Wells they would remove the affects of their late charges. Wells removed about {$5000.00} in late charges and we paid the mortgage in full.
When we tried to buy a new house we found we could n't get a new mortgage, because Wells did not remove the late charges from our family 's credit repor  t, hurting both my wife and l.  Wells claims ( a ) it was a 'courtesy ' but.it was not we has told Wells a very similar case was lost in New York , it was necessary not a courte sy ... ( b  ) Wells Fargo now says they never promised to remove the 'late ' payments from both of our credit ratings. ( c ) this is disingenuous it was very clearly implied and meant ( d ) Wells is intentionally stopping us from buying a new home, as we ca n't get a new mortgage after their refusal to remove the late charges, and costs and rates are increasing ( d ) It costs Wells zero to do the right thing ( e ) Wells continue their unfair bias against us.   <P/> I need to settle my wife in  a new home urgently due to my poor health and age (   XXXX   ) Time is of the essence. WF must stop stalking us after we paid the mortgage in full.
In XX/XX/XXXX1998 XXXX XXXX XXXX Mortgage charged my account $ XXXX believe this is the cost of XXXX foreclosures which were filed in error XXXX XXXX XXXX XXXX $ loss problems and Wells Fargo merged XXXXI have been trying since 1998 to get a breakdown ( ie time with explanation ) of what makes up this $ amt. Since XXXX every time I send in a RESPA qualified written request, I get the same reply. Which I believe to be a sham '' The matter presented in your correspondence is currently under review and a responsewill be provided to you once our research is complete '' I have yet to receive an answerwith the information requested. I need the reply to be broken down into Attorney fees, late charges, or whatever? by time line. ( ie Late charges {$25.00} for what time? 
I believe this is constructive fraud designed by Wells Fargo.for their gain. Please note, I must receive a reply which will contain time, description and $ amt. XXXX years is sufficienttime to do their research.
Imortgage failed to pay my property taxes in XXXX on my new home construction, leaving me with possible late penalties and other charges. On top of that, for my tax refund, I am unable to claim property tax deductions in XXXX. They have transferred my Mortgage to XXXX mortgage as of XXXX XXXX, XXXX. Since Imortgage claims to no longer own my loan, they are deferring any and all responsibility. I have paid {$550.00} a month out of my escrow account for property tax & insurance since I closed on this home on XXXX XXXX, XXXX ..., where is my money going? Is this even legal? Property tax payments need to be made by XXXX XXXX to avoid penalties, which clearly did not happen. This should not be legal and now I am facing potential liens on my house after all I have done is make timely payments on my mortgage as a good resident of the XXXX Imortgage needs to pay my property tax & assume responsibility for any additional charges & expenses on my behalf. 
Per RESPA, they must " make you whole '' for any adverse action cause by their late payment. Up to and including the loss of home/equity, increase cost of insurance etc Thank you all sincerely, XXXX
I had an interest rate lock agreement with TD bank during my mortgage application process. Just after a day of my application loan officer denied to offer me the same rate. He has been promising me to offer competitive rate but not the same rate. I have a contract signed with seller amd have paid earnest money. Now within less than a week from loan application date, interest rates are increased. So if I go to another lender, they will charge me more. What options do I have to make sure that the bank keeps the commitment? Can I file a complain if they do n't keep the agreement?
Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.
This debt was left by my ex husband. He had access to all my info and left all kinds of debts on my credit
There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.
Nationstar has continually proffered incorrect and changing amounts as relates to interest due and interest rates and effective dates for interest rates associated with my former mortgage with SERVICER Nationstar. Even though I have requested that Nationstar address these issues, Nationstar has failed to adequately, reasonably and truthfully provide simplistic answers, in both written statements and mathematical statements. Nationstar has mistakenly or fraudulently sent billing statements to me showing totally incorrect interest amounts owed. These interest rate and interest amount errors have contributed to Nationstar providing me with an incorrect XXXX for the year of 2016, that Nationstar is unable to explain by the use of relevant mathematical equations.

<P/>
Even though Nationstar was only the SERVICER for XXXX XXXX Trustee, Nationstar has refused to supply me with any written statement that Nationstar no longer has any financial interest in my former property, even though I have a XXXX $ $ mortgage balance with Nationstar.

<P/>
Nationstar has fraudulently refused to refund to me the {$1400.00} in my favor returned insurance premium refund, that Nationstar deposited to my XXXX $ $ balance escrow account with Nationstar and showed in their Nationstar report listing that the {$1400.00} was owed to me.
I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.
I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.
on XX/XX/15 this account was taken out and reported on my credit file as derogatory information, a collection account in the amount of {$130.00} I have corresponded with this company to resolve this issue on several occasions with no avail to take care of this complaint that I have no knowledge this meets FCRA regulations per my attorney. this was a final attempt before law suit per my attorney. XXXX XXXX has already taken it of my consumer report
GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.
To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!
but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX
In obtaining my credit file from EQUIFAX Credit Reporting, I saw where they were still reporting a Chapter XXXX Bankruptcy that was filed XXXX. I disputed this because it has been 7 years, 6 months and they are still reporting this case. The filing of the bankruptcy was never in dispute. Bankruptcy cases has always been removed after seven years from the file date.
Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. 

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX