WillisBack/dataset-financial-user-claim huggingface dataset:
I Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   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 request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
On XX/XX/XXXX I financed XXXX through Paypal credit under a promotion offering 24 months interest free. On XX/XX/XXXX I financed around XXXX with a promotion of 6 months interest free financing. I wanted to pay off the balance with the 6 months interest free prior to the interest kicking in, so I made an XXXX payment on XX/XX/XXXX. Paypal applied the XXXX to the 24 month interest free loan instead of the loan ending in 6 months. Leaving me with 5 months to come up with the remaining XXXX before the interest kicks in. This seems like a deceptive practice as any other banking institution that I know of would apply the funds to the balance with the promotional period ending soonest, but Paypal states they apply the payment to the loan with the lowest APR first, or in this case the longest promotional period. So, they pay off loans that are at 0 % interest leaving you with loans that may be charging 19 % or more. This should not be allowed as it is unethical and stealing from consumers.
I was using Ally Bank Bill pay service to pay the monthly rent for my apartment. 
For the month of XXXX, XXXX and XXXX the rent has been paid using the Bill Pay. My account shows that money has been check has been delivered to the landlord and money debitted from my account. But my landlord is not accepting that money has been received. Finally I was put onto the eviction and I was told that I need to pay the month of XXXX 2016 rent with late fees? What 's going on? Who is right - Bank or this landlord. Today in the court this landlord said via his attorney that check has been sent to me via certified mail which I am yet to receive ... for more than 30+ days - i am showing the money has been debitted. I was out of country for almost 6.5 weeks so could n't follow with Ally Bank but they are saying follow up with the landlord. But the landlord is not willing to even talk - one needs to talk to the attorney. I end up paying late payment and unfortunately the original check money is also gone from my account. If money is debited from my account and check has been delivered but landlord is saying that they do n't have the money then where is the money?
Transunion has my name listed as XXXX My name should be listed as my state id which is XXXX and only listed as XXXX as the other names are fraud.
On XX/XX/2018, I went to JP Morgan Chase to deposit {$6000.00} via ATM machine. However, the machine got jammed and never returned the money back to me. I immediately spoke to the Chase staffs in the branch and the branch manager helped me to get {$6000.00} temporary credit. On XX/XX/2018, I received the mail from Chase Customer Claims Department saying that this {$6000.00} temporary credit will be reversed on or after XX/XX/2018. I called the Customer Claims Department and spoke to a customer service to resolve this issue. I was told that Chase has contacted the ATM vendor and found no {$6000.00} balance in the machine. I disagreed with the customer service since there was a camera recording all my actions in front of the machine, including my depositing. If the camera shows that the money, no matter how much, was swallowed by the machine, then there must be money somewhere. After filing the second complaint, Chase decided to give me {$2000.00} as a credit to maintain the customer relationship. However, this is not the solution I would like to see since I did nothing wrong and I am entitled to that {$6000.00}, not only {$2000.00} credit. That is why I am writing you this complaint to get my remaining {$4000.00} back.
I paid off my mortgage to OCWEN. They were supposed to send me the balance of my escrow account. Their represented stated that I would receive three checks. I only received two. They owe me {$130.00}. They ignored the attached letter which I sent certified and received a signed delivery receipt. 
XXXX XXXX Tel. XXXX XXXXXXXXXXXX
The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.
I have been a member since XX/XX/2016. I review my score daily. I have worked hard to bring my score up since XX/XX/XXXX. My score dropped XXXX points over night from XX/XX/2016-XX/XX/2016. I called Equifax to inquire today. After spending and hour and 10 minutes on the first phone call and hung up on, I called back by direction of their Specialty Dept. I requested to dispute as it was suggested by Specialty Dept. The girl XXXX said they ca n't do that. Disputes are n't filed on scores, they are only filed on companies reporting to the angency peryaining to my file. XXXX was the first person, then her supervisor XXXX, then to Specialty Dept and then to XXXX ( which did nothing but place me on hold and hang up ). No one could explain why the significant decrease. Specialty Dept reviewed my credit summary and said, " there is no logical reason for this change. '' Yet, it happened. XXXX and XXXX both thought it was due to the current dispute. That 's unacceptable as a dispute does not decrease your score XXXX points. XXXX said it was probably from the court/legal accounts. I also said that these are OLD and have not had an effect on my credit for year 's. My score has been over XXXX since XXXX. I called disputes and after validating my personal information, placed me on hold for the duration of the ten minute call and hung up. XXXX and XXXX both remained the same. My member alert came from XXXX about Equifax today. There was also a new address reported within 24 hours. I have not changed my address nor have I reported a new one. How do I get the answer 's to my question about my decrease ( significant ) in score. Should I file a fraud alert?
My credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan
This debt was paid by NC Medicaid. Please have Optimum Outcomes Inc. review their files notify any credit reporting agency they have reported this item to to delete any item associated with this account # XXXX {$390.00} date XX/XX/2013.
please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay
I receive about 5-8 phone calls from Navient regarding my private student loan each day. Some I missed a payment last month, Navient had called me non-stop every day on an auto-dialer. I know it is an auto-dialer because when I answer the phone there immediately is a prompt about the call being monitored and recorded. This is harassment because I am aware of my past due payment from email, and when I can make a payment I intend to. 

Also, there is no forgiveness for private student loans like there is for federal. I borrowed this loan when I went to culinary school. I did not end up becoming a chef, the college changed its name, and has since closed down. However, Navient is still harassing me about this loan when had it been a federal loan it could be forgiven by this point! I 'm owing them now so much interest it 's unlikely believable! Plus, part of the loan was for a time when I had withdrawn from the college. I ended up leaving the school on the first day of a semester, but they still charged me for laboratory fees for the entire semester! I never used the lab at all. This would be forgiven as well if I had a federal loan.
On, XX/XX/XXXX, I mailed Transunion, XXXX, and XXXX a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.
i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!
Disputed with the company on XX/XX/18 approximately 71 days ago. Complaint showed to be received by company on XX/XX/18. It is now XX/XX/18 and I have yet to hear from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
I sent out a letter to XXXX XXXX  back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report.

I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.
During the last recession, like many Americans my husband ( at the time ) and I lost our home. It was a difficult time for many. And it takes years to recover. Seeing the 'foreclosed ' debt drop off my credit report in XX/XX/XXXX was what I thought to be a brand new start. I was going to own my own home again someday. Then XX/XX/XXXX I received a notice from an attorney that I was being sued for our XXXX mortgage that had a balance of $ XXXX, PLUS interest and Attorney fees now totaling an amount of over XXXX. This is nearly 9 years later. I 'm not an attorney nor can afford to hire XXXX. While I responded to the Attorney immediately I did not send it to the court and now have a judgment against me. 
I 'm a XXXX year old single mom of XXXX. I work hard, XXXX jobs sometimes to make ends meet and to provide for me and my family. This will now haunt me for at least another 10 + years. 10 if I just file for bankruptcy and possibly up to 20 years if I do n't. What good is the statute of limitations if they can do this? How are we not protected? The Obama Mortgage relief plan is helping some ... .just not those of us that paid the price 9 years ago. 
Wells Fargo bought/acquired the loan at some point. When I have no idea as the original lender, XXXX XXXX XXXX XXXX has gone out of business and it was the one reported on the credit report. I have NEVER until XX/XX/XXXX received anything from Wells on this old debt. 
Sincerely, XXXX
Constantly being steered toward forbearance instead of IBR. I 've never missed a payment, been paying about 5 years. Over the last 5 years I 've learned this company is incredibly difficult to communicate with, and when you do get someone on the phone they are often not knowledgeable and less than helpful. However, the most recent customer service issue is why i 'm writing this complaint. I reapplied to IBR again ( no thanks to Navient ) about a month or so ago. I received confirmation that i had completed the application and also received an email stating my new payment.This morning I got another email from them stating my payment would increase soon? They had not in fact processed my application. When i called to get it straightened out the rep once again just tried to steer me into forbearance without even mentioning that it would cost me even more over the long run. they 've done this multiple times and i had to learn the hard way that forbearance is not just a " break '' from payments but actually costs quite a bit over the life of the loan. The rep was little help, telling me the IRS must have been down when i submitted my IBR this year ( not what they 're email to me says ) and i would need to send my stuff back in, and cross my fingers that it will " process '' by the time my next payment is due ... or just go into forbearance. It is little wonder why these guys are being sued for pushing that option. I asked to speak with a supervisor. I was told none were available, but they can call me back when they are available. All day long i waited on a word from a supervisor at Navient ... nothing. Not that i 'm surprised based on the level of customer service I 've received from day one. However, i think it should be noted that these guys are actively pushing people into forbearance options while making it sound like its no big deal ... and they 're customer service is the worst. I mean, literally, the worst. I have never gotten to the point where i expect soooo little from a company and they still manage to disappoint. hats off to you Navient.
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.
I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid XXXX 's. I have opened XXXX new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
I signed up for a XXXX checking account in XXXX XXXX with a promotion for XXXX XXXX XXXX miles after meeting the following requirements : 1 bill payment for 2 consecutive months and {$2000.00} in debit card purchases in 2 months. I met the requirements in XXXX XXXX and confirmed with a Citi representative that I have met the requirements and would receive the miles in my XXXX XXXX account no later than XXXX XXXX, XXXX. Per the terms of the bonus offer, Citi has up to 90 days from the statement end date that the requirement was met to deposit the miles. As of XXXX XXXX, XXXX I have not received the miles and have not been able to get an answer from Citi as to when the miles would be posted. I have contacted XXXX XXXX and confirmed that they have not received any miles from Citi. Citi has not fulfilled their end of the bonus agreement and I would like the miles deposited to my XXXX XXXX account ASAP.
I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.