WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I sent a certified letter to Equifax on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.  If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
I recently discovered the alleged debt being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report it on my credit report still.
I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.
I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX  and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
Over the past year Ive been struggling to make payments of XXXX per month. They keep making me do a forbearance and only offer me intrest only payments which are just a few dollars less than the actual payment. Then they told me I will no longer be able to be in deferment while in school come XX/XX/2018. So regardless of if I am in school I still have to pay this plus what I am paying the school I am attending. In addition, they keep increasing my interest rate!
This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.
I applied for an apartment at XXXX XXXX on XX/XX/2018 and I was denied the apartment based on the information given to them by RealPage.com AKA Leasingdesk.com. They reported to the apartments that I had a judgement for {$1100.00} for rent and that I owed an additional {$490.00} for unpaid rent. I paid the rent that my deposit did not cover to XXXX but they are still showing the judgement is owed of {$1100.00} and that I still owe XXXX {$490.00}. I asked about the timeframe of when this erroneous information would be fixed they gave me not ETA and said that it could take an uncertain amount of time to get my rental history corrected. My case number for this dispute with them is XXXX and I have spoke to several agents that will not give me a time when this information will be corrected
I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.
On several occasions I have requested original contract or lease with my signature to be mailed to me they are showing a debt for a collection of {$280.00} for something i did not a signed I believethat their employees at XXXX XXXX stole my information.. i want this removed from my credit also the company is reporting a debt for XXXX XXXX which I could not live in because it was inhabital see attachment.
Dear Sir/MadamOn XXXX XXXX XXXX after Wells Fargo sold the house located at XXXX XXXX, XXXX GA XXXX, I received this letter. 
First, from XXXX XXXX, XXXX to XXXX XXXX, XXXX, we reviewed your account XXXX times for possible payment assistance options. FHA guidelines require that you occupy the property as your primary residence. Your account didn '' t meet the guildelines since your account was not listed as your primary residence. 
My response was the bank executive customer recovery group lie. This property is listed as my primary residence. My driver license, my voter registration card, my utility bills, my car registration, my termite bound, my car insurance, and lawn care company, all have the same address. In addition, my tax return had the same address. Furthermore, I paid State tax in Georgia. The house was my primary residence. 

Second : I have submitted all requested documents for the modification and they are requesting new documents. 
The bank said that we are unable to initiate another review for available payment assistance options prior to foreclosure sale date of XXXX XXXX, XXXX, because we did not receive proof of occupancy. 
My response was the package had my XXXX Federal and State Tax returns. Also, included a copy of my driver license. If a utility bill was requested, I could have sent it tooThird : I requested that Wells Fargo rescinded the sale of XXXX XXXX, XXXX. 
Wells Fargo said that due to the outstanding items listed above, we require more time to resolve your inquiry, but will have a final resolution to you by XXXX XXXX, XXXX. 

Yesterday, XXXX XXXX, the bank representative, XXXX XXXX told me that the sale is final and she will send it in writing to my address XXXX XXXX which was the residence and the mailing address listed with Wells Fargo in the recorded conversation. 
I disagree vehemently with the bank action. As you can verify in their own letter they did not initiate a review of the XXXX completed Federal application submitted on XXXX XXXX, Moreover, they did not review the internal Wells Fargo own application for assistance. Their own appeal form which authorized the customer right to a review was denied. 

At this point, the bank has violated my right to a review of the Federal application HAMP. Then,. I requested to XXXX XXXX of Wells Fargo if there is any other way to save my house. There was no answer. The only reason I was fighting for my house was I removed money form retirement account to keep the house during the depression. I hope at CFPB an official will look at this complaint and stop any malfeasance of the bank to other minorities. The FHA guidelines were not followed in this sale. I have been locked out of the house for two weeks since XXXX XXXX XXXX XXXX took possession without aneviction notice. 
In Conclusion, my lawyer has submitted all paperwork required for the modification. The bank still denied me due process to the right of a modification. I believe this is pure discrimination against me.
Do to financial Hardship I fell behind on my house payments, always trying to pay something. My alleged loan, has already been sold in to the secondary market and is now morphed in to a security. This Company called DITECH is just the servicer to some unknown mortgaged backed Trust with no orders from said Trustee. The problem started when DITECH raised the monthy mortgage payment by {$360.00} in an escrow account causing an undue financial hardship on me. I am in a position now catch up pay up to bring the account current, but I can not pay the {$360.00} per month extra. I pay the property tax and insurance separately. I have faxed them a letter explaining my position and request, which they denied. This is conversion and a felony. The alleged Loan # XXXX. DITECH is not the holder in due coarse of my note and has offered no evidence they are acting on behalf of the trust that does.
I regret to say I have not enjoyed being a customer of Ditech. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from {$7200.00} to {$900.00} because of data they had from XXXX. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for credit than I was before. When I called to complain and explain that their decision was based on outdated information, they said I had no other choice than to wait 90 days and request a credit increase. I explained that the decrease should n't have happened in the first place because they were using outdated and inaccurate information to base their decision. It seems as though once they were no longer going to collect interest payments from me, the did n't want my business. Odd timing and poor decision based on inaccurate data. I finally just closed my account with them.
This is a follow up complaint. My original complaint # is XXXX. 
In my original complaint : I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX my attorney responded on my behalf. RMI did not respond to my attorneys letter. On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately ( capitalized for emphasis ). I believe It is improper for RIM I to be contacting me directly when I am represented by my attorney. RMI never responded to my attorneys letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue. 
The company responded to my complaint # XXXX on XX/XX/XXXX, stating that " File has been closed - collection efforts terminated. '' On XX/XX/XXXX, my attorney received further collection efforts from XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX and claims counsel of XXXX XXXX XXXX XXXX XXXX are a big fraud, Corrupt and a big liar. 

XXXX XXXX XXXX XXXX I recently made a complaint to the headquarters spoke to XXXX XXXX was told I did not have thr correct claim number and were corrected. 

I made complaint to the headquarters on Thursday spoke to XXXX XXXX and I told him I 've never received anything in writing from XXXX XXXX. He said that I have a claim open. HE CALLED XXXX XXXX AND TRANSFERRED ME, NO ANSWER. 

She immediately sent me an email lying in it. Of a response letter dated XXXX XXXX, XXXX just a XXXX XXXX. This is the first that I 've seen of the letter but she lies and says she is sending me the corrected letter from XXXX XXXX, XXXX no such letter is on my email returns. XXXX XXXX. 

At the top is the first time she has provided me the claim number in addition she put a fake consumer financial protection bureau number as cfpb # XXXX which would be XXXX/XXXX/XXXX proves the letter was back dated from at least that date. 

In the letter she continues to lie and are determined to claim 1. That XXXX is a mortgage broker company. 2.  That XXXX were my mortgage servicer and I got XXXX from XXXX. She absolutely will not mention 1. My mortgage servicer XXXX XXXX XXXX provided me a lien release. 2. I were victimized by XXXX and mers of mortgage deed fraud register XXXX/XXXX/XXXX. 

Please provide that letter to the consumer financial protection bureau for their review.
Paid off a loan with Ocwen in the amount of {$110000.00} by wire on XXXX XXXX, 2015. Since that time they have sent XXXX new payoff quotes, each time increasing the amount due. They have assessed a property maintenance expense in the amount of {$1200.00}, {$1000.00} of which accrued in XX/XX/XXXX and XX/XX/XXXX after the closing. I was at that property every day and no representative from Ocwen ever showed up there. I spent a fortune preparing that property for sale. There was no maintenance. I was in possession of the property. Ocwen has deliberately and wilfully suspended this payment refusing to properly apply it to the loan and clear the amount all the while accruing interest and charging a fraudulent fee of {$1200.00}. 
I
XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.
Creditors Bureau USA, published invalidated debt to credit bureaus and refused to remove. Per DCPA Section 809 XXXX b ), Creditors Bureau USA is not allowed to pursue collection activity until this debt is validated. 
I requested debt validation within 30 days ( XXXX XXXX, XXXX ) of their initial letter only to find out that Creditor Bureau USA already published collection information with major credit bureaus. The collection agency responded with fabricated invoice containing my information. I followed up with another letter ( XXXX XXXX, XXXX ) requested legal debt validation, however, the collection agency responded with the same invoice containing protected health information ( XXXX ). On XXXX XXXX, XXXX, I made a third request to collection to respond adequately, and I have yet to hear from them.
XXXX was part Chp XXXX bankruptcy. All debt before XXXX XXXX have been XXXX. XXXX shows as a late account.
I received an half-sheet postcard of an advertisement in XX/XX/2018 that  said I could earn {$200.00} cash back when I spent {$1000.00} with my Walmart Mastercard. The offer was valid through XX/XX/2018. The  {$200.00} would be paid as a statement credit within 1-2 billing periods. According to my calculations, the {$200.00} should be posted to my account in XX/XX/XXXX statement. On XX/XX/XXXX, I live-chat online and was promised the bonus will be posted within 1-2 billing periods. On XX/XX/XXXX, I received a letter that stated they would review my account. On XX/XX/XXXX, they sent me a letter requesting me to explain the concern which I mailed back on XX/XX/2018. On XX/XX/XXXX, I call customer service and talked to XXXX who promised me the bonus with a reference # XXXX. On XX/XX/2018, I received a letter stating that my request had been processed and AGAIN, the statement credit will appear on my billing statement within 1-2 billing cycles.
To Consumer Finance Protection Bureau This is not a duplicate complaint This is an additional complaint to Experian Company has taken more that 30 days, company claims sent documents Documents never received after XX/XX/XXXX as they claim Since XX/XX/XXXX as of Today 's date XX/XX/XXXX no information received as Experian claims that sent via US Postal Service .33 days have lapsed No information received from Experian, Experian has not provide company toll free number through CFPB portal Only their mail in address 1-Experian documentation never received as they claim 2-Experian did not provided their customer toll free number, as requested Making more difficult communications Please provide me with Experian toll free customer service phone number This matter is causing delay on behalf of the company Thank you XXXX XXXX
XXXX XXXX XXXX has contacted my place of employment threatening to serve me with " legal documents ''. When I spoke to them the address they had on file from 2011 was incorrect. I asked them to remail a validation letter and was told no that they can text me. When I stated this was not good enough I needed written proof they said they will see me in court and hung up.
The file number that they provide is non existent, they can not locate any records. When I would not agree to pay without validation the man on the phone became defensive and started threatening me with lawyers.
I purchased some bitcoin on XXXX ( What a great day to be scammed ) and the transaction fee said {$1.00} - Okay, no problem. 
Put through an order with a merchant and they told me they were only paid XXXX dollars out of XXXX -- Turns out, they charged me an astronomical XXXX out of XXXX dollars as a transaction fee! I would have NEVER put this transaction through if I was made aware of this charge! WHO WOULD?! 
It 's robbery and this company is a huge scam! 

I called, after an hour on hold, they said to email them and they ca n't help over the phone ( what?! ) .. Go to their site, and their email link does not work and they would not provide me with a working email address over the phone. I finally found an email address on XXXX, emailed them, got an autoresponse that they wo n't do anything a few hours later. 

I 'm in the process of completing a charge back with XXXX XXXX at the moment ( if that even happens! )
I currently have a hold on my account due to overdue payment with th e ACS for m y loan. I am trying to make a payment to the account ; however, I am unable to register for my account becaus e ACS we bsite states that it does not recognize my social security number.     Since my account could not be registered, I am still unable to view the amount that I have to pay and pay for it. I have been contacting ACS, yet I am unable to get a hold of them.     I urgently need to get rid of the hold on my account because I need to order my official transcripts to register for my   XXXX    XXXX  degree and my job.     yet, it seems like I wo n't be able to have my   XXXX   XXXX   and job due to this problem.
Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.