WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Experian/ XXXX XXXX ( CEO ) XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
On XXXX Santander made a collection call to my cell phone at XXXX without my consent. They also made a a call after XXXX without my consent. Please pull phone records for calls made during non collection times.
XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO
Hi, I have been a citi card holder for many years. Just XX/XX/XXXX, I paid my card on Monday instead of Friday, while I always pay off my card in full. They hit me with {$770.00} for a balance of roughly XXXX. I have called them many times, they tell me there is no one to talk to. 

THERE IS NO ONE TO TALK TO, THIS IS RIDICULOUS!!!!!
This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.
XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification.
My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file.
My wife lost her job a few years back which made it very difficult to keep up with our bills. We kept paying our mortgage until our savings ran out and then we could no longer make the payment. We reached out to our lender for help but they would not help us. I now have a very good job and feel I can make the payments so I applied for a modification with Nationstar Mortgage. On XXXX XXXX, 2015 my loan modification was denied. By this time there was a trustee sale set for XXXX XXXX, 2015 and I was very afraid of losing our family home so I hired the XXXX XXXX XXXX to help me. They looked at the decline letter and found several errors in it. They sent in an appeal letter proving that I do qualify for the modification on XXXX XXXX, 2015. The reason for decline was negative NPV and the appeal letter stated that Nationstar did not provide full values used when calculating NPV so we could not fully understand the reason for decline. The appeal was denied on XXXX XXXX, 2015. Nationstar provided some of the NPV values but the list was still not complete. The XXXX XXXX XXXX is going to appeal again but I am so afraid that Nationstar will not do the right thing and modify my loan and I will lose my home. My house is still underwater. I am not asking for any principal reduction. I want to pay what I owe Nationstar. I am only asking for a 1 % drop in my interest rate to 3 % so I can have an affordable payment and will not default again.
XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company
I got a new cell phone XX/XX/XXXX, and contacted Cash America that weekend. Someone called me on my new number the following monday saying they were Cash America. They had all my info amd i was convinced it was legitimate. I paid over the phone to speed up the small claims case dismisal, and it was never dropped. I was later fined XXXX which came out of my XXXX check. No one had my cell but the court process server, and Cash America. No system was hacked or anything like people make excuses for them. Cash America is a scam company. 
i also recently received a threatening letter from a XXXX law firm demanding XXXX payment or the would try to sue me XXXX FOR THE SAME LOAN FROM CASH AMERICA XX/XX/XXXX. CASH AMERICA EXISTS TO RIP OFF PEOPLE AND THEY NEED TO BE STOPPED. 
ONCE THEY GET YOUR INFORMATION THEY WILL BLEED YOU DRY
XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.
We did not buy a XXXX XXXX home because it was in shambles 2 days prior to closing ( on XX/XX/2017 ). XXXX XXXX XXXX, Home American Mortgage proceeded with the loan without our knowledge. We just received information from the credit bureau ( attached ) that we have an outstanding loan from Home American Mortgage for {$630000.00} processed on XX/XX/2017. We did not buy this home. We did not go to a closing. We did not sign any paperwork. 

Additionally, XXXX is refusing to return our {$14000.00} in earnest money. This home was in shambles two days prior to closing. It did not have finish plumbing, there was severe drywall damage throughout the home especially in the ceilings, drywall mud scattered everywhere including carpets and hardwood, whole doors were missing, electrical was missing, there was no Certificate of Occupancy from the City of XXXX. We know that this home had many other problems so we told them we would not purchase the home. 
We desperately need your help. 

Thank you, XXXX XXXX and XXXX XXXX XXXX
I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. 
I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service,  She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. 
Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.
Equifax has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  again with different address Equifax mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus
I have had this auto loan since XXXX XXXX 2014. Every payment was made on time and I was never late on this account. On XX/XX/XXXX of last year, the car got totaled. My insurance company held the car. I made my XX/XX/XXXX and XX/XX/XXXX payments to remain current on my payments. However, the insurance company was going to be paying off the loan in XX/XX/XXXX of last year and I was told they would be paying off the balance of the loan and not to make a payment. 

The car was paid off but the car payment was made 18 days after the XX/XX/XXXX due date of XX/XX/XXXX. Wells Fargo put a 30 late payment on my credit report causing my credit score to drop 100 points. I called them and they admitted that the account was not 30 days late but only 18 days late as the final payoff amount was sent on XX/XX/XXXX of last year.
XXXX XXXX XXXX is currently reporting that I have balance increases for all XXXX accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Equifax breach : I used the website to see if I was impacted. I was later informed that the website makes up results. I have not been notified to determine if I was the victim of the breach. I am also concerned about opting into Equifax 's " Trusted ID '' as there may be an arbitration clause I have to sign to get protection. This behavior is unacceptable and such companies should be punished for their lax security and ineffective security and notification measures.
As a consumer, I would like to file a complaint against Citibank/ HomeDepot for the XXXX credit cards that were opened last XXXX. 
After numerous efforts to resolve the problem, as of this date it has not been resolved yet. 
XXXX, I have only received XXXX photo copy of my statement for the month of XXXX on XXXX XXXX which they have reported me past due. I have received the cards after XXXX days. 
On the XXXX account, I am still waiting to receive a copy to review my transactions of purchase and credits. I was told that it was also past due. How can they report me late when I have only received both cards early XXXX and no account statements were ever provided. 
In XXXX, I have received a call that my credits cards were sent back " return to sender ''. After talking to the customer Service Dept, they realized that both accounts that was opened on XXXX separate dates has no Street Number. How can they even process my credit application when there is no street numbers on both accounts. How can this happen? Take note my drivers license were presented and SSS # during the application process. Customer service was updated on XXXX XXXX of the home address and I was reassured that everything will be taken care of and both cards will sent out immediately followed by the statements. 
I called customer service to follow up the statements. I was told I can check it online. I complained that I can only gain access on XXXX account and was refused on the other account. They found out that the second account has my middle initial and they will fix the problem so I can also have access on it. 
Until now, I am still waiting for this to be fixed. 
On XXXX XXXX I received another call from Citibank about both accounts being past due. I talked to a supervisor ( team XXXX ) and explained the situation to my accounts. At this point, I have requested that both accounts be paid off. I gave my XXXX account number and routing number. The supervisor agreed to waive the late and interest charges and promised to send me the statements so that I can review the transactions. 
To my disbelief, I got another call Citibank on XXXX XXXX stating that XXXX account is past due. After reviewing my accounts, I was told that only XXXX account was paid off. Excuses were made by Citibank but the bottom line, XXXX XXXX XXXX said that my checking account definitely has the funds and there were no stop payment orders received. 
Take note that only XXXX account was paid off and the bank account number and the routing number were both the same given to the supervisor for accounts to be paid off. 
My last conversation to Citibank was on XXXX XXXX. Again, the bank information was given to them to payoff the remaining account. I still need to confirm if they have processed my payment. 


Your attention on this matter is greatly appreciated. Thank you.
Attempted to switch account after closing original bank account used. Account never switched over and missed payments started to occur. Attempted to reach company a second time after getting calls from references about being contacted. I requested them to stop calling them at this time. And requested for payments to be automatic once again after making a payment to bring account current. Again, received a call from a family member about being contacted when reached out to company again, this time fees were up to about {$300.00}, {$85.00} is one regular payment and requested to speak to a manager. Manager gets on line and starts throwing jargon at me, referring to the loan 's amortization table and trying to explain the fees added, when in reality fees would have been avoided if taken out of proper account.
I have written to XXXX XXXX XXXX account XXXX multiple time requesting for validation and have not received any. 

XXXX XXXX have written to Experian multiple times concerning the lack of validation on this account. 
XXXX XXXX have asked Experian to remove the allege account from my credit file for the lack of validation from XXXX XXXX XXXX, and all I get from Experian are that they are performing research and get a repetitive automatic responses, with no validation as alleged that they verified it. This happened every time I wrote to Experian, they repeated the act of doing research which ended up nowhere. I never received any validation from Experian nor the collection agency. 

This is in violation of the FCRA. The Collector failed to validate this allegation, and Experian is not removing this negative remark from my credit file.
received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX.
My XXXX XXXX XXXXn that was originally taken out with XXXX XXXX is now being serviced by Navient. I discovered that my XXXX XXXX XXXX, which is a 0.25 % interest rate reduction was " disqualified. '' I contacted Navient on XXXX XXXX, XXXX to ask why I was disqualified from this benefit, as none of my contact information had changed, I still use electronic communication, and I use auto-pay. I received a response on XXXX XXXX, XXXX that the benefit had been disqualified " in error '' and it would be reinstated to my account. 

However, going back through all the statements, I have NO way of determining WHEN the benefit was mistakenly disqualified from my account and how much interest has accrued because of it. I have received no response from Navient with this information. 

Furthermore, I have noticed that my variable interest rate has conveniently gone up EACH month as my principal amount of loan has gone down. I recognize there might not be anything to be done regarding this, but I believe this is not a coincidence. 

Thank you for any help.
There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void
I was charged with two ( 2 ) overdraft fees of {$35.00} for being short of few dollars ( $ XXXX ) on the account. I had multiple charges go through at once after the weekend. I transferred the amount right away when I received the notifications for both occasions. I was told that even if there is an overdrawn amount which gets covered up by the end of business day it will not be accessed the fee ; however the notifications arrived a day after resulting in overdraft fees without chances to amend. In one case, the transfer was made immediate and it did not cover the fee.
On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.
I had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be  published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX  and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX  and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.
I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.