WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX
I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.
I went through a HAMP with my mortgage servicing company in XX/XX/XXXX. The process was long and ended with me calculating my payments and sending that information to my mortgage servicer to draw up the paper work correctly. I should have known then that this company was not equipped to handle my loan. Today is the first time I found out that if a person pays on time they can get an incentive through the HAMP program. I was on the government website and found that information, but my servicing company never disclosed that and they never implemented my incentive in the past 3 years. My escrow account is not adding up. I have gone over the numbers and when I attempted to speak with the servicing company about what I found, I was hung up on. I have not had the time to throughly research the escrow account, but I am almost certain that if one year is wrong, all the years are not calculated correctly. My mortgage payment has continued to climb back up after my HAMP and they say it is because of my homeowners insurance, but I do n't see how it made such a big impact on my monthly payments. I am frustrated because I ca n't seem to find anyone at this mortgage servicing company who can add and explain what they are doing or lack thereof. Today the company took XXXX payments from my checking account, both dated for XXXX/XXXX/XXXX. On Saturday XXXX/XXXX/XXXX I scheduled my XXXX payment for XXXX/XXXX/XXXX. When I checked my bank account yesterday ( XXXX/XXXX/XXXX ) the funds were still there, so I went on the servicer 's website and it changed my requested payment date to XXXX/XXXX/XXXX. I immediately thought maybe I picked the wrong date on Saturday and deleted the payment for XXXX/XXXX/XXXX and scheduled a payment for XXXX/XXXX/XXXX. To my surprise today, two payments were processed and my account was overdrawn. When I spoke with the servicing company they stated that I initiated both payments and it would costs me a fee to have the extra payment reversed ( $ XXXX-check, $ XXXX-wire ). I informed the lady that I picked XXXX but their website changed it to XXXX. She stated that that 's what their system does when a payment is scheduled, it switches to the next month automatically. I asked her why because that is not what I wanted and she again just stated that that is what their system does. She put me on hold and came back minutes later stating they will waive the fee and refund me. It was never my fault. It should have been processed on the date that I requested. I asked about my bank fee and she said I would have to send proof of the fee to get that back. She also said that I can keep both payments in the system and my next payment would be due XXXX/XXXX/XXXX. I informed her that is not an option because my account is overdrawn and also, that payment included a late fee so why would I pay a late fee for XXXX on XXXX XXXX? This company is not professional, they are incompitent and they are not doing anything to benefit the client. They do n't know how to explain any of their actions and numerous times they have gotten frustrated with me and my questions.
To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.
Last year I only had 3 inquiries. Now this past week I had over 32 inquiries reported to my credit report with two accounts that were deleted from credit report more than 2 years ago.
Yesterday I received notice from XXXX, a credit reporting service I use, that my mortgage company, Ditech Financial LLC, had flagged my credit account for several " 30-day late '' and " Not more than two payments past due ( 2 ) '' negative designations. I have never been 30 days late mailing my monthly mortgage payment to Ditech, Green Tree, XXXX, or any of the various mortgage companies that have held my mortgage over the past 20 years. Ditech has flagged my account to give the false impression that I have a history of being late with my mortgage payments. When I tried to investigate these false accusations, none of the XXXX credit reporting agencies would allow me to check my credit report online for free, even though I was informed my credit file contained erroneous info. I tried to call Ditech, but their customer service people were off for the weekend. I tried to send them a message on their website, but was told the message option was n't working, so I had to call. I will call Ditech again Monday evening after I get off work. But here and now, I am respectfully requesting that I be allowed to view each of my XXXX credit files at no charge to see how many times my credit has been false marked with negative information and I am disputing any and all late payments. Thank you. XXXX, XXXX, MO XXXX P.S. One of the alerts I received yesterday indicated my XXXX 2016 mortgage payment was 30 days late. I am uploading my cancelled check which shows I was not 30 days late with my XXXX 2016 payment. Let me know if you need any other documents in order to prove that I do n't have a history of late payments. I 'll be glad to upload or mail you anything you need. Thanks again.
Hello. I recently just got off of the phone with a representative in the Equifax dispute department ( XXXX ) named XXXX. The time now is XXXX Eastern. This complaint is about a bankruptcy on my credit file that I have disputed via certified mail on XX/XX/18 asking for physical verification as I am entitled through FCRA Section 609 ( a ) ( 1 ) ( A ), an original consumer contract with my name signed in ink. I am XXXX years old and have had a XXXX credit score recently with Equifax, there are a number of damages this has caused in my life. The company responded to my dispute by sending me a response letter dated XX/XX/18 that mentioned " this account was verified as belonging you to you, '' and also stating that they received this information from XXXX XXXX. I have spoken to the courts, they dont provide information to third parties, and my XXXX XXXX consumer file has been frozen since mid XX/XX/XXXX. I spoke to XXXX XXXX tonight and they assured me that with a frozen consumer file, no third party would have access to any legal information of mine. My complaint is not only did they not provide me with the physical verification as to this account actually belonging to me, but they said they verified through a frozen consumer report. How can that be? I would also like to mention that the Equifax representative hung up on me before I ever told her my name, I called back to verify her name was actually XXXX, which she answered the phone a second time.
In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.
I was served with a notice of small claims court for a debt. I called the company and settled the debt making monthly installments for the next XXXX years. I am currently paying XXXX $ a month. I was assured that the court case would be dismissed as we settled outside of court. However, I received a Entry of Judgement notice in the mail last night. So they obviously never dismissed the case.
I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.
PayPal was the start of an ongoing Identity theft! They allowed unauthorized transactions, while in the process of disputes, they allowed more! After calling every day for a MONT H (   XXXX   2015 ) an d hearing them tell me about how okay it will be and how I should n't worry, they FINALLY closed down my account after allowing {$5300.00} worth of fraudulent transactions on a frozen account. Then tried to steal that money from my account with  XXXX   XXXX . When they could only receive {$1000.00}, they locked my account solid while continuing to calm me on a daily over the phone. So here I am over   XXXX   in debt at  XXXX  forced to close my only means of an account, and PayPal tells me that I have to pay  XXXX  $ remaining balance on my PayPal!!! So I finally save enough for a lawyer to get it solved on to hear that the matter is closed because it 's been over 90 days. So I ca n't dispute PayPal 's fraudulent activity after 3 months but yet they sure can track every means of my money they can get their hands on to steal from me and keep my account LOCKED and NEGATIVE. After doing the math of the money they want + $ they stole from my bank + $ spent on a lawyer for no reason, PayPal 's multimillion dollar company lives up to its name by robbing the little people of almost {$6000.00}!!! AND THATS JUST ME.
sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know
I stopped in the branch to check on auto loan options for my son. While I was there, I paid the debit balance in my BB & T checking account which had been closed. At the recommendation of the personal banker, I opened a money account based on the fact it did not have check writing and I could not go below XXXX. 
I told her this was the account I was going to pay my mortgage modification loan. She printed out a sheet with the routing number and account number to give to XXXX Mortgage. I made deposits to cover the amount of the loan and called XXXX around mid month to make the first payment. 
Everything seemed to work properly, unfortunately a letter came almost 7 business days later telling me the payment was not accepted because I provided incorrect bank information. 
During this time I also noticed other quarks, such as not be able to fill up at the pump without going in and having the attendant process my request. 

I went back to BB & T, showed them the letter from XXXX. I had XXXX people confirm the account information and there should be no other problems. I went home on XXXX XXXX and called XXXX to make the payment. Again, no red flags, until the letter from XXXX arrived stating the information was invalid, I did not make the payment on time, and they rescinded my modification offer. 

I went back to the BB & T branch with the XXXX letter. It took several phone calls to find out this money account does n't recognize XXXX party ACH payments even if the money is XXXX XXXX in the branch knew about this restriction. I had the personal banker write a letter to XXXX on BB & T letterhead stating I was not aware of this feature. 

I called XXXX and submitted letter from BB & T for consideration of extending the modification offer. They said they did n't care. The money was not paid is all they were concerned about. Then they fast tracked the foreclosure of my home. 

Just yesterday I found out another feature of this account not told to me, I can only deposit cash or another BB & T check into this money account. Again, something I could have been pointed out to me.
When calling to find out when monthly fees occurred, since I 'll be closing my account and canceled my direct deposit, I was suggested to go to the grocery store and make XXXX separate purchases. Even if I were to do this for one month, how would I be saving? 

While trying to expedite a payment with XXXX, they needed confirmation from Wells Fargo that I had the funds for the payment. They brought Wells Fargo in on the line and customer service asked a couple questions to verify me. " What was my full social security number and my login username for online banking ''. Keep in mind there is a 3rd party rep from XXXX on the line still. She told me that she would not be able to help me if I did n't give that information up. After confirming my identity, she was about to give the XXXX rep my totals in my bank account. All he asked was " Does he have $ XXXX available in his account? '' I had to stop her and ask her to just answer his question and that he does n't need to know my totals.
I pre qualified for a XXXX loan from wells fargo on a home loan. The house appraised out at XXXX the XXXX mortgage is XXXX, leaving me with XXXX in equity. I am XXXX years old with a credit rating of XXXX. I was jumping through hoops and can document why for this loan. I was ultimately denied because " I do not have enough in savings '' I know it has to be age related. I feel discriminated against ... because anyone with common sense would know that XXXX XXXX still leaves a considerable amount of money on the table.
Navient ( at the time known as XXXX ) defrauded me in XX/XX/XXXX-XX/XX/XXXX by paying off my student loan counselor ( trips, gifts, etc ) to steer me away from grants and work study and into subsidized loans. The counselors and XXXX were caught and punished but the money was already spent on school. 
I 've tried to get help for this for years. No one gives a XXXX until you folks sued them. 
Worst part was after I completed XXXX school in XX/XX/XXXX I went to XXXX XXXX to start my career and was blindsided by XXXX issues. XXXX did n't care and within 3 years of me being in and out of recovery, my XXXX loans were now XXXX. 
This is a scam. I 've probably paid off the original loans amount only to be here, 20 years later with XXXX in debt.
dept. of education is showing XXXX 90 days late and XXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted XXXX they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late XXXX and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with dept. of education.
I have sent Capital one bank several letters asking for proof of this item being mine. They keep sending me letters requesting the same documentation that I have sent to them. I need this Deleted off of my 3 credit reports because they do not have any validation of this account being mine. original signed documentation with this account belonging to me.
XXXX XXXX XXXX XXXX {$6700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX {$5700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX A letter was send to inform the credit agency that this information is incorrect, they have no prove or wet ink signature or any contract with me.
On XXXX First Source Advantage sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.