WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX XXXX XXXX XXXX/XXXX/XXXX ; EQUIFAX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Chase bank mailed me an offer for a new credit card in the US mail. The card said it had to be opened online. There was no offer code. I opened the card in XX/XX/2018 online. I was supposed to receive a {$100.00} credit after first purchase. When I contacted them, they said I had a different offer, which is untrue.. When I talked to a supervisor, she said that I had to apply in WRITING or by PHONE in order to get the {$100.00}, even though the card said to apply ONLINE. When I emailed them copies of the ORIGINAL offer, they said they'd get back to me in 2 or 3 days, but never did. Chase 's marketing department is playing a shell game, and I am furious at their dishonesty. I did get the XXXX miles as promised ( after spending XXXX in 3 months ), but I also want the {$100.00} credit as promised. I am attaching my proof and their reply. 
Thank-you.
In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.
I have  XXXX  bankruptcies on my record that are not mine I 've sent in letters showed proof they advised they verify through  XXXX   XXXX  who advised they have NO RECORDS on file for me. I have filed many many disputes now it will be here and better business bureau
I have attempted to contact Nationstar 50-75 time both in writing and by telephone and they have not been able to clearly provide me explanations on payment inconsistencies and manual adjustments they have made. This complaint is in regards to a door tag that was left on my front door yesterday that said please contact your mortgage provider. They have never been prepared or willing to discuss my account with proper detail or provide info to me I have requested. They should have all info readily available at all times after my requests.
We have been paying our mortgage on a biweekly basis sending over half a payment at a time for several years without any problems. XXXX XXXX sold our loan to Nation Star mortgage and we continued to pay biweekly. Nation Star began sending letters saying that they put our partial payment into a " suspense account '' until the remainder of the mortgage payment was received. The letters were regularly inaccurate saying we owed double our regular payment at times. We contacted Nation Star regarding these letters and were told to disregard their collection letters that our payments were current. We continued paying biweekly and ignoring their constant harassing daily collection calls and inaccurate monthly letters telling us funds were in suspense showing inaccurate amounts owed. 

We have since found out that Nation Star has reported to credit bureaus that we are delinquent on paying our mortgage payments causing our credit scores to drop over XXXX points. We have contacted Nation Star to have them review our account and were told they are right ; we are delinquent and owe them money. After protesting and attempting to go over our recorded payments since they took over our loan in XX/XX/XXXX, I was rudely told I can fax them information of our payments for them to further investigate. I printed my credit union 's records of payments for a year, and faxed the information to the Customer Service Rep XXXX XXXX with the fax number she provided on Friday XXXX/XXXX/XXXX. 

We attempted to follow up with Nation Star on Tuesday XXXX/XXXX/XXXX to verify they have received our fax and have not received a return call. This is unacceptable to us. 

In error I sent a double mortgage payment via ACH in XX/XX/XXXX in the stress of this situation. I requested to have the extra payment returned to my checking account, but of course Nation Star will not return my money since their records show I am delinquent.
In XXXX, my spouse and l acquired a loan from Bank of America XXXX BOA XXXX to purchase a house in XXXX, VA. The loan was split into Loan XXXX and Loan XXXX. Over the years, BOA sold loan XXXX to XXXX, but kept loan XXXX and we wondered why? The amount borrowed for loan XXXX was {$38000.00}. It was at a higher interest rate of 7.625 % compared to loan XXXX. That was all we were told when we acquired the loan and signed the documents. 

We have been paying towards this loan for 10 years, 8 months now. A total of XXXX payments as of the beginning of XXXX, XXXX. So l called to inquire about how much more was left on the loan. However, l was stunned to find out that we have {$33000.00} that we still owe. So upon further inquiry l was told that most of the amount we have paid has been applied to interest. Here is the break down ; Monthly payment of $ XXXXTotal of XXXX payments as of XXXX/XXXX/XXXX is $ XXXXAmount applied towards Principal is $ XXXXAmount applied towards interest is $ XXXXAmount we will still owe in Principal by XXXX, XXXX is {$29000.00}. 

The amount we would have paid by XXXX is {$55.00}, XXXXThe amount we will still be owing will be {$29000.00} plus whatever interest BOA will require of us if we continue to make the same monthly payment of {$270.00}. 

For example, XXXX/XXXX/XXXX, out of a monthly payment of {$270.00}, only {$29.00} was applied towards the principal and {$240.00} went towards interest, a warping 89.10 % in interest! Averagely over 85 % of the money we have paid has been towards interest. 

Much to my surprise, l was further told on XXXX XXXX XXXX when l made the call, that on XXXX XXXX, the loan will have reached maturity by which date, we will be required to pay a lump sum of an additional {$29000.00} in addition to what we have already paid. At that point, l was stunned and l could not believe how a bank that we have trusted over the years to send our hard earned income and our investment to, could treat us with such inhuman loan terms without disclosing the terms to us from the beginning. 

Also, l could not believe that the Government will allow such trade terms to go on in this XXXX. The only thing l think about is BOA has robbed my family of financial resources. When l inquired from the customer service representative as to how we got such a deal, they quickly distanced themselves on XXXX different occasion and told me they did not sign that loan document for me, neither did they offer me that loan. l inquired if some of the amount we have paid could be applied towards the principal? but that was quickly denied and that we were bound by the contract terms then and we only refinance the remaining loan going forward. 

However, l explained that we were never told that over 85 % of the amount we paid we be applied towards interest.The only thing we knew was the high interest rate of 7.625 %. l was also told that l could make extra payment towards the {$29000.00} that will be due in XXXX, XXXX. So that probably explains why BOA retained the smaller loan when they sold the bigger loan to XXXX. 



On XXXX XXXX, l inquired from BOA to know the remaining amount that we
EQUIFAX, XXXX  AND XXXX HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
We have been harassed for well over a year on a daily basis from some scammers calling to collect on debt we do not owe in XXXX different names at our residence. The scammers use many different telephone numbers to make the calls however they all leave robo calls suggesting we contact them at XXXX & XXXX. We do not have any outstanding debt at all that should be on any debt collectors list. They claim to be " Diversified Consultants '' We have told them to stop calling on many occasions however they are relentless. We do not need to revoke consent because they never had any permission nor valid contracts to enforce in the first place.
On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
I have disputed with several of the financial institutions due to stolen identity and now these things are still reporting which is causing me to not be able to get an account to assist with my start over process after a bankruptcy.
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. This is a waste of my time, energy and money.
In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.
Hello I am contacting you about several problems I am having with US bank. This dates back to XXXX of XXXX, I was contacted by a company by the name of XXXX XXXX. I had paid them {$15000.00} on my US bank credit card and {$5000.00} on an airline credit card, once I found out it was a scam I had contacted both banks immediately. 

The XXXX bank did a charge back at once. Unfortunately, US bank did not follow suit when I told them about the situation. 
I had shown them proof as requested, that the company had in fact scammed me and told them that they needed to do a charge back. Instead they kept refusing me and I was in the time frame of when disputing and getting my money back should have not been a problem. 

This kept on going on to XXXX of XXXX with nothing resolved. I even talked to XXXX XXXX who is a higher up in US bank and still nothing. They said I would have to pay it and left it at that. I told them that I was n't going to pay it because I had done what I needed to prove it was a scam and they should do the charge back. I also saw that others who had been scammed by this particular company, had no issues once they told their bank what was going on. This was from XXXX, and again my airline card did a charge back with no issues once I spoke with them. 

Later on I had discovered US bank made another account and joined it to the US XXXX XXXX I already had. They also put my account in bankruptcy with out my knowledge. I have tried a number of times to resolve this. Many calls into the bank and nothing to show for it besides frustration. I am contacting you in hopes that this can be resolved, thank you very much for your time.
Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?
I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.
Five years ag o we entere d a Chapter   XXXX  Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In  XXXX  ou r Chapter   XXXX  was official ly discharged. We proc eeded to pursue to refinance with an alternate lender  b/c Wells Fargo was a  terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected  XXXX  not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on  XXXX . I was informed that I would have the completed review by  XXXX  and still have n't received the full reconciliation of the payment history. Today  XXXX , I called to inquire where this request was and was informed that it would not be done until  XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.