WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted a complete request for Mortgage Assistance application with Chase for my Loan # XXXX. I provided all the requested income & hardship verification documentation in order to be considered for available home retention options to avoid imminent default on my interest only HELOC that I have only been able to make the minimum payments on since the loss of my business and my divorce by exhausting my retirement savings. On XX/XX/XXXX I was notified by my lender that my request was denied because my payments are being made & I am not currently in default. The account representative stated that this was the investors decision however if I did end up defaulting on the loan that I could submit a new request for assistance at that time or file an appeal. This is unethical being that my loan is an old Washington Mutual Interest only loan with a balloon payment which means I have an option to pay the minimum payments however if I do so when the very last payment on my 1st mortgage is completed in XX/XX/XXXX I would owe the balance of the HELOC XXXX to be paid within 30 days or my home will be subject to foreclosure a stipulation of the agreement I did not fully understand at the time. I will be almost XXXX XXXX XXXX at that time unable to meet that requirement and ultimately will loose my home. Chase has put me in a very uncomfortable position with this decision as I have never been offered any type of assistance in the pass. Please advise if you can be so kind as to assist me with this.
This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

National Credit Card Cos.
XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact Experian and XXXX  with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
When I first went to XXXX XXXX in XXXX, MA, they had told me how they would place me in a job in that field. I completed in XXXX with a XXXX. That never helped me in obtaining a secure employment in that field. I ended up working for temp angencies. Then I became XXXX in XXXX and have been out of work since. My loans were through Sally Mae. They have been taking money out of my benefits since XXXX. I 'm should be getting $ XXXX mth but I actually only receive $ XXXX mth. I 'm a single parent trying to find a way to get back to work but it has been hard with my XXXX. I also tried to go back to the XXXX XXXX for my XXXX because they told me that they were now accredited and I would be able to transfer credits to XXXX XXXX XXXX. I went for about two weeks and just could n't make it to classes because of my XXXX. When I went to tell them this and needed to drop out. I was told that I would still have to pay. I am barely making ends meet with the income that I receive, I do n't need these loans huvering over my head. Especially when I 'm trying to get my credit straight as well. I want my loans to be Discharged.
Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name.
Today on XX/XX/2018 I was defrauded of concert tickets I was trying to buy for myself. I asked XXXX XXXX, the seller of the two tickets, if she could send me her XXXX and she insisted we use XXXX for the transaction. I have sent money to my family using it, as our bank uses it, so I felt safer knowing it was backed by my bank. After sending her {$50.00} she immediately blocked me. She gave me the number ( XXXX ) XXXX and the name XXXX XXXX ( I now feel as if it is a fake name and possibly number ). I am angry and upset that I am in this position. I do not know what other options there are. I would just like that this person pays for their inhumane actions. I do not know what else I can do. USAA cant get the money back from her. Any and all help in resolving this matter is appreciated. Let me know what else needs to be done in order for me to have this resolved.
on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..
XXXX 2012 closed a Bank of America checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told " the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Bank of America 's " Executive Complaint? '' called me several times to " resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they " couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error?
Our home was substantially destroyed by  XXXX   XXXX . We have recieved t he RREM Grant from the state of New Jersey and are currently raising our home and have had to find  other residence. In  XXXX  we were made aware of a Forbearance of Mortgage Payments  by The  New Jersey Department  of Community Affairs. We  applied for that certification. On  XXXX   XXXX  we received a Certification of Eligibility,  XXXX  - Impacted Forbearance Certification. We contacted our Ban k Wells Fargo by g oing into a local branch and speaking with their hea d officer. We also sent Wells Fargo a certified letter with the Certification letter attached. They said they would be back in touch with us in two weeks. We have never received any notification from Wells Fargo on  how to proceed. I have paid our escrow of {$1000.00} for both the month of  XXXX  and  XXXX  so our Insurance and Taxes would be covered. They now tell me that they do not apply partial payments and I am in arrears  for two months to for {$5300.00} not taking into consideration our two payments of {$1000.00} equaling {$2000.00}. I am getting threatening letters about foreclosure and I am worried about them reporting our loan as delinquent. I just spoke with the NJ Department of Banking and Insurance and they advised me that Wells Fargo is a Federal Bank and does not come under their jurisdiction and I should make the complaint with your Bureau. Wells Fargo refuses to give me any direction on this and I am afraid this will have a great impact on my cre dit standing I took so long to attain. Please advise me of what to do.
I recently received my updated credit report and there is a Collection agency named Conserve on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
XXXX, XXXX is trying to collect XXXX $ for a utility bill that belongs to the tenant that moved in my apartment unit after I vacated the premesis. I have provided written proof a lease and transfers paperwork for my new apartment. I last lived at that residence in 2010. This debt is over XXXX XXXX XXXX and is incorrectly being reported as recently 90 days delinquent. I currently have an account that is the original utility provider that has been current for the last 8 years.
On or about XX/XX/2018 I sent the attached letter ( XXXX XXXX  XXXX letter ) to XXXX XXXX  detailing inaccuracies they are reporting to XXXX, XXXX, and Experian. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX XXXX is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a  person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX XXXX  was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?
My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.
Wells Fargo makes it complicated and inconvenient to defer student loans with forbearance if you go back to school. You have to call them for everything unlike federal loans where you can do it online to " maintain '' or " manage '' your account. Unlike federal loans, Wells Fargo is a tedious process which requires signatures from school officials, and such forbearance form does not even guarantee forbearance because you have to continue making payments until the forbearance is approved. In order to get a forbearance because I am going back to school, I have to print the form ( cost time and money ), then fill out the form and get the signature from the school ( cost time and money ), and then mail or fax it back ( cost time and money ) and continue payments until approval ( cost time and money ). This is how they are also maximizing fees and payments if borrowers do not make payments because they are in school waiting for an approval, and are not able to work full, part, or on a contractual time. Wells Fargo has not improved in servicing borrowers so that student loan borrowers can manage or maintain their accounts.
XXXX service was cancelled back in XX/XX/XXXX. They sent me a bill ( I do no longer have ) describing charges due for equipment not returned. Equipment was eventually returned. I made several attempts through the past 3 years to get this debt resolved to no avail. This was then turned over to Diversified Consultants in XX/XX/XXXX. I had not received anything via phone or email regarding the change. XXXX would not longer speak to me on the manner. I finally found the information on my credit report as I am trying to refinance my mortgage and improve my credit score. I spoke to them on XX/XX/XXXX. They advised that the debt was for last month bill. This is not what XXXX advised me it was for. 
I decided to pay the amount in full to get this completed even though equipment was returned and final bill was paid prior. This is newly on my credit report and I need to have it removed ASAP. It has been fully paid. They advised they could only issue deletions after 90 days. I need ASAP.
Fraudulent transaction charged on XX/XX/ in the amount of {$550.00} Chase Bank refunded back {$550.00} once reported on XX/XX/ Merchant refunded back {$50.00} out of {$500.00} without solicitation or request on XX/XX/ Refund from Merchant of {$50.00} prompted Chase to charge {$550.00} stating I know merchant since they refunded {$50.00}. 
I told Chase I do not know merchant and did not authorize any charges or credits to my account. Therefore any charges and credits from Merchant are fraudulent. Chase is unwilling to refund fraud transactions.
I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Could not make a purchase using my XXXX XXXX credit card and was informed Comenity closed my account on XX/XX/2018, after I failed to complete numerous demographic verification request. When asked about the request was informed I had not responded to multiple telephone calls and letters since XXXX. I never received any telephone calls or letters even after verifying both were correct. I have contacted Comenity bank at least five times since XX/XX/2018 and was never made aware of any demographic verification request. Through XXXX XXXX I subscribe to XXXX XXXX monitoring and have frozen my credit reports through all three Bureaus to ensure I maintain my XXXX XXXX XXXX. XXXX XXXX alerts have advised the closing of the Comenity credit card will have a negative impact on my credit report. I would like the negative information removed from my credit report as I never received a telephone call or letter requesting a demographic verification.
This is a formal consumer to busines s ( s ) co mplaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX   2017  with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from  XXXX ,  XXXX , and Experian with no success. They have refused to update information. Accounts to be removed :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX.
Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.
Hi I am submitting this complaint regarding inaccurate information on my credit report from '' EXPERIAN " Most of the account does not belong to me and was opened when i was a minor, these accounts are inaccurate fraudulent, misleading and hurting my credit scoring and effecting my financial ability. and also keeping me from getting good opportunity out there like getting student lone, car loan and other credit card, and my personal information are also inaccurate like my name ETC.Most of these account went into collection and my bank account are in danger of being freeze .these negative information only showing on Experian none of the other agency are reporting any negative info I think its very irresponsibility of EXPERIAN that they have not taken any action on my so many requests, I hope Experian will take action this time
my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?
CAPITAL ONE BANK MADE TWO HARD INQUIRES ON MY XXXX CREDIT REPORT THAT I DIDNT CONSENT TO
Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.
national credit collection agent has been reporting negative information to Equifax. Stating incorrect balance. I submitted a copy of my last balance of {$5700.00} with the creditor dated XX/XX/2009. national credit has reported my balance over XXXX, XX/XX/XXXX, today the balance reflecting in my report is over 8k.equifax has fell to removed the incorrect information from my report, national credit has imposed additional cost and never disclosed additional cost related to account, I feel they taking advantage of the system knowing the importance of rental properties checking credit for approval.to be consider for rental. Its been close to 7 years. I feel this practice is unfair and unjust and wish to have removed immediately. Equifax is a XXXX base company .as well as XXXX
The company XXXX XXXX XXXX is not licensed in the XXXX of Florida.