WillisBack/dataset-financial-user-claim huggingface dataset:
My inquiry to XXXX XXXX Account : XXXX, confirmed that Experian Credit Bureau has never validated or verified the erroneous entry on my credit report pertaining to the named account. In XX/XX/XXXX, XX/XX/XXXX, and XXXX sent through certified mail, I mailed letters to Experian in order to dispute the validity and reporting status of this account. I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified account still remained on my credit report in violation of Federal Law. Experian is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation Experian stated, in writing, that additional information had been provided, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. I followed up with a third dispute letter to Experian in XX/XX/XXXX and was met with a letter from them stating that they will not reinvestigate my claim. This is also a direct violation of the FCRA when you consider the fact that they never conducted a reasonable investigation in the first place. Furthermore, Experians unwillingness to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. Experian has done the following : Experian never requested verification or validation in the form of and original contract with my signature on it to ensure 100 percent validation/verification, as I have requested several times which is in direct violation of the FCRA. 2. That even though I filed a dispute regarding the validity of the exact account, and followed the law and deleted this invalidated account ; knowing this, Experian did not conduct the reasonable investigation needed in order to make sure that their reporting of this account was accurate and congruent with the other Credit Reporting Agencies. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information. I have given Experian multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that this account should be permanently deleted from my credit report.
I have been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.
I filed for Chapter XXXX bankruptcy PRO SE back in XX/XX/XXXX and listed my apartment complex as a creditor with an unexpired lease on my schedules. Throughout the bk proceedings, I still lived there and paid my rent. My bk was discharged in XXXX and closed in XX/XX/XXXX. My lease ended XX/XX/XXXX and they are trying to collect about {$800.00} in move out fees for worn carpet through a collection agency. They sent it to collections the day AFTER my lease ended without contacting me. My question is, since they were listed on my schedules when I filed, can they collect any amount from me even though my lease ended after my bk was discharged? I had a similar situation with my vehicle lease where when I filed, my lease was still active and didnt officially terminate until AFTER my bk closed. Even though I knew I would have owed the finance company money for going over my lease miles ( est. around {$4000.00} over ), they wrote it off as included in bk and never attempted to collect. If it turns out the apartment complex cant collect, do I need to hire an attorney just to tell them they cant collect from me? I think theyre doing this just because I didnt have an atty.
This company Chase, reaptedly calls my home phone ( XXXX ) between the hours of XXXX to XXXX everyday.
In response to complaints filed, on the day only when my payment was due, PayPal responded. I answered that I was not satisfied and since tried numerous times to contact many at their National Headquarters, where, as routine, it appears, no one responded. I have also looked up other complaints and it does seem this company prefers not to have Contact, but will on a constant basis continually increase FEES. I also contacted the Federal Trade Commission who advised that I contact XXXX XXXX XXXX, of which I have, and again, no one responded back from there either. Many closed doors, not only to me, but as I have researched as a practice to customers by this company. Yesterday, XX/XX/2018 @ XXXX, I forwarded an email to cancel my account { XXXX XXXX XXXX XXXX } as I also tried to reach out for a hardship program due to the constant adding of FEES and my status as XXXX, again, no response. I also sent information to XXXX stating I advised to cancel my account with PayPal now and surely before next payment due date. I will continue to make monthly payments, but not at the high amounts with these FEES they demand. XXXX, XX/XX/2018 @ XXXX ( I thank you )
have been contact the citibank many times in the past, the executive XXXX XXXX finally called back, she agreed that what my claim was all true the agent made mistake regarding my account balance only told me that I should pay my balance whatever showed on my bill, even there is a return which will be a credit on my account. 
She is a real calm artist did nothing rather than telling me to pay the bill on my statement
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX
We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds.
We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.
XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.
BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.
I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with Equifax and XXXX 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against Equifax, XXXX and XXXX XXXX.
I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.
My father passed away on XXXX/XXXX/2016 and I 'm the sole beneficiary of his estate, according to his will. He had number of contracts business in XXXX, Virginia with XXXX, ( XXXX XXXX XXXX. XXXX XXXX XXXX ) that were registered with State Corporation Commission ( SCC ) in XXXX, Virginia. He had filed his taxes for the registered business for the last 10+ years as a sole proprietor. For the said businesses he had opened bank accounts with one of his employee as a signatory. 
Upon his passing, with the help of the bank manager, his employee removed his name from the business accounts and declear them as hers by presenting false documentations, if any. 
I and the Executor of the will have tried over the last 6+ months to get the bank to cooperate with us and grant us access to the account so we can pay his final expenses and his taxes etc,. We have provided the bank with all necessary legal documentation needed to honor the request, but in vain. 
The bank continue to give the employee ( XXXX XXXX ) access and honor deposits and withrawl under a forged signature. The employee who claim this to be her business or account, She has never registered this business in XXXX county or with the State of Virginia or has paid / filed business taxes for this business. 
She has lied to the SCC and has produced false documentation, her being a survived spouse. 
I ask you to help me get access to what is mine by law. Below are the info about the bank and accounts. 
BB & T XXXX XXXX Account XXXX XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Thanks
I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO
They called me at XXXX and often harass me with multiple calls a day, typically while im at work.
On XX/XX/XXXX, my daughter told me to check the State Controller 's office website, sco.ca.gov because I had five new things saying I was owed money from from a company called LendUP, so I went to the website and checked and found. I find this totally illegal what they have done, using a GOVERNMENT WEBSITE in a ruse to get people to call them thinking they are owed money. I paid this loan off three years ago and owe them nothing so I ASSUMED that either they were a part of a lawsuit or I had overpaid - something but not the illegal tactic they used.

Business Contact Information : FLURISH INC. DBA  LENDUP CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX ( XXXX ) XXXX XXXX Type of Property : REFUNDS DUE Cash Reported : Under {$100.00} Shares Reported : 0 Name of Security Reported : Date Reported : XX/XX/XXXX Date of Last Contact : XX/XX/XXXX
I purchased an airline ticket for XXXX in the amount of {$2100.00}. I was not allowed to board the plane to no fault of my own on the date of the trip. XXXX said I could use the ticket within a year. When I tried to use the ticket in XXXX, XXXX attempted to charge me an additional fee. I asked why this was the case and I was told they needed to research the situation and would get back with me but my seat was reserved and the price would not increase. I was never contacted after many attempts but I was emailed documentation showing I could bid to update this rain-check reservation trip into a business seat. I guessed the issue had been resolved but I had not contacted. When I tried to fly in XXXX I was again denied travel and I was given a vague response from the carrier as being confirmed but not reserved or vice versa. I had enough and I knew I had 6 months to open a dispute with American Express as I was getting nowhere with XXXX. I explained the situation in full to american express with documentation and I also explained that XXXX had been very unprofessional and unresponsive thus far and I would be surprised if American express would get anywhere as well with them in this matter. XXXX did not respond to AMEX and the credit card company proceeded to decline my dispute on these grounds alone. I immediately re disputed the charges with AMEX since the 6 month dispute window was close to having passed only to have them state that they may not succeed considering 6 months have now passed. My account has now been charged {$2100.00} for a ticket that was never honored to no fault of my own. I have also been told by AMEX to go back and try to talk to XXXX when they have had no success on XXXX separate occasions and I have had no success in doing so for months. I want a full refund. I will not be billed for a trip I did not receive when I have done nothing wrong.
Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?
Collection account ( s ) just appeared on my credit report overnight. This bill was part of a Federal Workman 's Compensation claim that was approved, and paid. Company never notified me at any time.