WillisBack/dataset-financial-user-claim huggingface dataset:
I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.
I received notification Equifax, Inc was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue. 

XX/XX/XXXX/XX/XX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. Equifax does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XX/XX/XXXX/XX/XX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XX/XX/XXXX/XX/XX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.
I 've previously submitted a complaint against this company and did n't receive validation or a contract stating anything. This company has lied and said they sent papers to my 'Previous Address ' and also claims to have spoken with me this year which is a lie. They have violated m y Hipaa rights.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase bank of a fraudulent application submitted with his information without his consent. An account was established XX/XX/2018 and is being reported to his XXXX, XXXX and XXXX credit reports. An official dispute of this account was mailed to Chase XX/XX/2018 and was received verified with a return receipt. As of this date Chase has failed to advise the status of the investigation nor have they provided any clearance to my client concerning this matter being resolved. These actions are in violation of FCRA guidelines and violate my clients federal consumer rights.
On XXXX XXXX, XX/XX/XXXX, I sent XXXX XXXX XXXX certified letters after checking my Credit Report and seen there was a medical bill on my report that not once did I EVER receive notice in the mail from XXXX XXXX XXXX  XXXX XXXX letting me know that I had an outstanding bill after my insurance paid for my visit! Not Only have I mailed certified letters I called and the guy I spoke with was awfully rude and hung up on me! I sent another certified letter on XXXX XXXX cease & desist but they dont see the issue! the letter is being returned back to me because their physical address is invalid! Thats when I called and was hung up on! XXXX XXXX XXXX   XXXX XXXX never sent an outstanding bill and sent this straight to a collection agency giving personal medical treatment and insurance! they gave them full insurance card information without my PERMISSION! Now I have to call my insurance company and let them know that someone has my full insurance card Information!! This collection agency knows what I was treated for and what was given as well what my insurance was! I never signed for them to break my medical privacy! When I called XXXX the man had the nerve to say that they had rights to my MEDICAL records! No you do not! I was never contacted and never did I sign for a collection agency to receive my medical treatment and how things were administrated to me on this personal heartbreaking medical procedure and breaking my privacy law! I want this matter taken care of immediately! I have filed a complaint to OCR! This is Violation of HIPAA and I will proceed with suit! XXXX refuses to pick up my last certified letter and they keep reporting this account to Equifax knowing their in violation of my medical rights!
My information was impacted by the Equifax security breach per Equifax 's self service 'Was my data impacted tool '. This tool is online and can be found on their website.
This refers to complaint no. XXXX. 

Equifax supplied a phone number to resolve this complaint. It was answered by a foreigner. This is exactly what my complaint was about in the first place, which is the use of foreigners to discuss my credit history. I will not talk to foreigners about my credit history. Equifax is exposing all Americans with credit history to fraud and identity theft. 

My address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX
My credit card with XXXX XXXX was charged off in XX/XX/2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. 
Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. 
This is unfair and I want to resolve this matter.
THIS IS NOT A REQUEST FOR YOU TO PUT ANY KIND OF FREEZE ON MY CREDIT REPORT OR TO PUT ANY KIND OF FRAUD ALERT. I AM CHALLENGING YOUR LISTING OF **XXXX COLLECTION AGENCY** ACCOUNT NUMBER XXXX AS IT DOES NOT MEET THE FCRA GUIDELINES. FIRST OFF I HAVE CONTACTED THIS COMPANY AND THEY ARE TELLING ME THAT XXXX XXXX NAMES IS ON THE ORIGINAL CONTRACT NOT MINE. SO HOW CAN YOU LIE AND SAY THAT YOU HAVE VERIFIED THIS ACCOUNT WHEN CLEARLY YOU HAVE NOT. YOU ARE BREAKING THE LAW AS I HAVE REQUESTED THAT PER SECTION XXXX OF THE FCRA THAT YOU FURNISH ME WITH THE ORIGINAL SOURCE DOCUMENT THAT YOU MUST HAVE ON FILE TO SUPPORT YOUR RIGHT TO REPORT INFORMATION AGAINST ME. YOU HAVE NOT DONE THIS SO YOU ARE NOW IN VIOLATION OF THIS SPECIFIC SECTION OF THE FCRA. YOU ARE HEREBY NOTIFIED OF MY INTENTION TO SUE TRANSUNION IF THIS IS NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY. NO MORE GAMES OR WASTING OF TIME. YOU HAVE 30 DAYS BY LAW TO PROVIDE ME THE ORIGINAL CONTRACT SHOWING MY NAME AND SIGNATURE OR REMOVE THIS.
On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
I had several checking/saving accounts with citibank, the fees for these accounts were waived since I also had a Citibank mortgage. Citibank changed this policy and started charging fees to my account. I received no notice of this change, there is no mention of this policy change on my recent statements or online in my account.
purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX   which is who payments were being made to and then was sold to a company called XXXX
XXXX/XXXX  XXXX they reported to the credit companies that this account was mine, I never had this account and I request that they show a actual consumer contract with my signature or remove completely the account looks to be paid off not be me. I filed with the XXXX and to this day have not received anything that they claimed to mail twice. thinking that this account is paid off it must be a waste of time to respond I do not have any account old or new with XXXX XXXX remove completely from my credit reports forever enclosed is the information from the XXXX   but this dispute started long before that date
XXXX XXXX AKA XXXX is not reporting correctly to Experian that my account was delinquent as of XXXX, 2010. This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current Experian credit report when the credit delinquency if great than seven years. XXXX XXXX were reporting the XXXX 2010 delinquency 's correctly to XXXX and XXXX. The account has dropped off of these credit bureaus due to the 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to XXXX that they correct the credit reporting with Experian. They have refused to do so. Experian defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act. <P/>I have attached a copy of my mortgage Statement dated XXXX, 2010 that shows my payment due date is XXXX XXXX, 2010 which also shows 2 past due payments ( XXXX & XXXX 2010 ). See the bottom of page 2 in the attachment for past due details. I have also included a copy of my XXXX report that shows XXXX XXXX reported me as past due from XXXX thru XXXX 2010.  XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly
I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. 

We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. 

We did everything the new servicing company requested Bayview Loan Servicing. 
We are fighting to save our home. Please help us. 

Thank You XXXX XXXX
me and my spouse are due to make last payment on our used car loan through Capital one, we set up automatic payment with our bank, and now they have sent a letter stating we missed our last payment, we have automatic payment set up with Capital one and yet due to internal errors within their auto-financing department they are causing our payment and our credit to be negatively be impacted by this action.
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 amex  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018
Equifax has failed to add my XXXX bank mortgage account on my credit report after I have provided proof to this fact.
I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX  XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX   debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.
I was with Sallie Mae, then with Navient, not by choice. I have for two years now had to have my husband file Injured Spouse form as Navient keeps trying to take HIS refund. I do not work. This company took my ability to manage my loans online, completely removing any access I had, even while I was in distress on my loans. They extort money from my husband and make us WAIT for months after filling out this IS form from the IRS. 
They have RUINED my credit score, even as I tried to keep my loans in forbearance and out of collections, as of today, i can't pull my free credit report at all.
IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!
Hi there - Since I am in the process of buying a car I had a shock when I hear my score is poor. I could n't understand why so I have checked online - now, I am not even sure if this is what affects it but I saw a Banana Republic card on my report. I do not have a card from them so I have no clue what that is. I will call them on Monday ( XX/XX/XXXX ) to understand more but I wanted to file this official complain with you as well. Copying the information for you below. It is ALL inaccurate. Thanks, XXXX # # # Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit {$120.00} Owner INDIVIDUAL Credit Limit {$3000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration 0 Balance {$120.00} Date Opened XX/XX/XXXX Amount Past Due {$75.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment Date of Last Activity Scheduled Payment Amount {$31.00} Months Reviewed 4 Delinquency First Reported Activity Designator CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Credit Card Date Closed XX/XX/XXXX Date of First Delinquency XX/XX/XXXX
On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.
Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE. 

****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE. 

This is a violation of federal AND state law. 

What else have they deleted and from how many client files??? What are they trying to hide??? 

Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.