WillisBack/dataset-financial-user-claim huggingface dataset:
In late XX/XX/XXXX I filed for bankruptcy. My lawyer filed on XX/XX/XXXX. At the time I was not late with any creditors. My chapter XXXX bankruptcy was discharged in XX/XX/XXXX. In XX/XX/XXXX15 creditors suddenly marked my credit history as being 90 days late. I filed disputes with all three credit agencys. 7 of the creditors realized their mistake and removed the negative remarks on my credit reports. The remaining 8 creditors did not remove the inaccuracies. I filed complaints with each company and contacted each company. In XX/XX/XXXX I contacted XXXX. The agent at XXXX confirmed that all 8 creditors had wrong information listed on my credit reports. They all listed me as being never late. But each creditor lap showed me as being 90 days late but not 30 or 60 days late. XXXX  said the information was wrong and contacted all 8 creditors on my behalf. The creditors response was to remove all history of me making on time payments and changing my history from XX/XX/XXXX being 90 days late to XX/XX/XXXX pate late. Again this is incorrect information again.

The creditor are XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. SYNCB Walmart. XXXX XXXX
XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.
In XX/XX/XXXX I received an offer from MasterCard that seemed to offer me a cash loan with no interest if paid back before XX/XX/XXXX. 
I took this offer up to my local Bank of America office in XXXX ( XXXX XXXX XXXX XXXX ) to see if they understood the offer the same as I did. I spoke to a girl named XXXX : After reading the letter/offer she stated that YES it was an offer with no interest if paid before XX/XX/XXXX and there was no fees and that I could write the blank check they sent me for {$10000.00} and I as long as I paid it back before XX/XX/XXXX there would be interest charged. 

I did this on XX/XX/XXXXand deposited it into my personal checking account. 

Problem : I received my bill from MasterCard on XX/XX/XXXX and they had charged me a {$400.00} transaction fee for the {$10000.00} check plus the statement said that my charges for the period plus the {$10000.00} was due by XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I went back to the bank to question this. XXXX called MasterCard or somebody - maybe her B of A contact - and after over an hour on the phone with a lot of what I called " double talk '' someone named XXXX said he would waive the {$400.00} fee if I paid back the {$10000.00} loan right away. When XXXX called back to see if that meant by the XX/XX/XXXX due date they would not verify the {$400.00} waiver. 

I feel this original offer was very confusing and - after our phone call today - intentionally deceptive! 

I seek all remedies available including any punitive damages due for being subjected to false and deceptive advertising.
We h ave Business ch ecking with  XXXX . Every month were charged a {$43.00} lease payment for the  XXXX   XXXX . However this device is in operable. We 've reached out to  XXXX    XXXX   XXXX  , along with First data who has been almost impossible to get through to.
After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...
Ocwen continues to report inaccurate data information on my credit reports with their poor payment processing, unauthorized fees, holding my past payments in suspense after receiving by the due date and their erroneous reporting of ( 8 ) late payments. This is mortgage deception and a violation of the CFPB. I have made several phone calls to Ocwen, have written letters, submitted emails and filed a complaint with the XXXX. 
Enclosed is XXXX different letters from XXXX different representatives from Ocwen, dated XXXX XXXX, 2015 stating they will have a response by XXXX XXXX, 2015. 
I have heard nothing from this company as of today.
XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.
The collection company in question is attempting to collect a debt and are not licensed in the state of Florida.
On XX/XX/XXXX/2016, I was excited to go in and look at motorcycles. I entered XXXX XXXX XXXX XXXX XXXX in XXXX FL. Prior to this i looked at inventory online and saw what I wanted and didn't want anything else but this XXXX XXXX XXXX sports bike. I sat with one of the sales guys and he told me I was approved and that my loan would be for 2 years. I was so excited about this I was not even thinking, i was signing away paperwork. The bike in the dealer was in the amount of {$5900.00} with dealer fee and tag title, came out to XXXX. I gave a down payment of XXXX. I have had my bike for 2 years and I am still making payments on this bike. I asked the place Cycleone Financial,  where i send my payments when i look at my documents they had me sign a Lease document on a used bike that had 32,000 miles on it, on the paperwork it states it had 18,500 and that is wrong. When i am finish paying this bike it would total {$14000.00}. If i would have known this i would have not bothered to take the bike. This bike since i took it out the dealers lot has given me problems, non stop. I asked and i was not able to even trade my bike in for another bike, i wanted to because the bike was giving me to much problems, i was denied that opportunity for a trade in. I was blind sided due to my excitement, this bike is not worth XXXX, not even with interest rate would this had come out to that much. My bike has been to a shop over 6 times in 2 and half years. I take very good care of it, its a passion I have but all these issue is uncalled for. When i first took it out all the lights were coming off, I had to use my warranty for a starter the 1st year. Thinking it was leased when I found out you would think they would let you get into something else especially when they automatically put you on a lease without you knowing. the paperwork from the dealer itself has my sisters social. Not on the one being attached. Motor has been replaced as well, like come on! I am really really upset.
XXXX XXXX account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.
I took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.
New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.
There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it.
This is the third card XXXX has tried to open in my name. I have filed complaints for their attempt to open a XXXX XXXX and a XXXX  XXXX in my name. Each complaint asked XXXX NOT to attempt to open any card, account or financial service in my name. It's obvious they are ignoring these complaints. See the attached scan ( XXXX XXXX - XXXX XXXX XXXX ).
My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant
Several years ago I had a Delta Airlines American Express card which I cancelled years ago. Recently American Express ( amex ) sent a new card in my name to my brother 's address that only needed activated. I live in XXXX, my brother lives in XXXX. I NEVER lived at that address. I thought that the card may not have been cancelled like I thought and this was a renewal of the previous account, but the card states member since XXXX, which means it was just opened without my consent. This card is not presented as a pre-approved card requiring application on my part, but rather as a new card only requiring activation. Again, I did not request or apply for any amex cards.
I just received a statement from XXXX XXXX and it shows Navient Solutions disbursed 2 loans in the same months, one for XXXX and one for XXXX. These are disbursements were never paid and if they were it was fraudulent. I did not receive excess funds, nor have I ever went to a college that charged that much for tuition period. I was taking, at the most 3 to 4, 3 credit classes at about est. {$200.00} a  credit. At the most it should have XXXX $ a term, never did i apply for full year loans. I do not owe this money and the loan companies are doing nothing. I do have legitimate loans and have been making payment, only to see my balance increasing every month. I understand that is my responsibility, but the 2 amounts placed on my account by Navient are fraudulent and theft. Either intentional on their part or a form of predatory lending, as I was never notified of this cost/disbursement. I would like proof to which university was paid, for what they were paying. I am either owed additional course work for free or these to 2 amounts removed or updated to reflect the ACCURATE amount. If you look at ALL the past loans i have receive you will see the major discrepancy.
Account # XXXX I do not owe this debt. I have never heard of this company before. I am disputing this debt.
I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from life and death accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all XXXX  bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.
I answered the phone and they continusly asked for my direct banking informationand kept demanding I give them my routing number and account number.. I explained I would not give that info, nor would I give my address without them giving me more information.. They call nonstop at all hours.. I explained that if they would mail me something verifying who they were, who the debt was from and the amounts I would work on paying it.. They again wanted me to give them banking information and set up automatic debit.. I again explained once debt was verified in writing I would set up payments but would NOT give them banking info..
Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
I had a few lenders you had helped me get off my back harrassing me after I found out its illegal to give a payday loan onlime in massachusettes. Esp at the intrest rates given me at 817 apr! I have XXXX final lender I need to report abd ask for a charge off. This is the last one. I had someone hack into my bank acct before XXXX and I had to close the acct and open another at td bank. So lendgreen at this point is unable to take payments but I can not afford the apr at this rate and being its illegal to loan online in mass they should of never advertised in my email in the firat place. This was the last of a string of bad decisions. If this will go away will be a releif for me and let me pay my other obligations with creditors.
I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.
This issue revolves around servicing transfer of my mortgage loan from XXXX XXXX XXXX ( XXXX ) to Ditech Financial in XXXX 2016, and the misapplication of a loan payment.
XXXX now owns the mortgage but it started with Franklin Loan Company. In XX/XX/2017 when we were finalizing our mortgage in escrow, XXXX XXXX of Franklin Loans apparently submitted the amount of property taxes that we needed to pay in escrow. 

The amount for 7 months of property taxes on a sale price of {$400000.00} was only about {$1200.00}. This amount was very low and has now led to XXXX charging us {$500.00} a month more on our mortgage of {$2500.00}. XXXX also claimed that we need to have a {$1500.00} cushion in escrow, which Franklin Loans did not account for. 

I called XXXX XXXX and asked him about the property taxes. He responded that he no longer works for Franklin Loans and suggested filing a complaint with FCPB.
I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my  XXXX  report and   XXXX    on my Equifax report. I have attempted numerous times to dispute these   XXXX   items    both with  the credit bureaus and directly with the creditors. I have spoken with both companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies was  XXXX / XXXX /17 and I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.