WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to delete inaccurate information from my Experian credit report but Experian refused to do that. I told them to delete incorrect name but they refused to do that. I told them that according to FCRA they should correct all inaccurate information and remove all wrong names but they insisted in doing illegal behavior and they refused to delete incorrect name. 

My correct name is following : First Name : XXXX Last Name : XXXX XXXX I do n't have middle name. My last name is a compound last name so it has two words. There is a " space '' between " XXXX '' and " XXXX ''. 

All other names and aliases should be removed including the following : XXXX XXXX XXXX
I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. 

On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch. 

I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. 

I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. 

I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.
I was attempting to move into an assisted living property because, I am a XXXX. I contacted the the phone company so that the phone service would be working by the time I moved. Unfortunately, after a few months of renovating so that my XXXX would fit the landlord decided to rent to someone with the family who was able to pay a higher rental payment per month. I let the phone company know in time before had to vacate the premises and payed the last month of service after canceling. It was simply an accident that I ended up finding out after all this time I was charged an extra month. I 'm being charged for service I never received. I would appreciate your assistance in any way possible with this matter. Thank you and XXXX bless you, XXXX
Negative information that belongs to someone else is on my Equifax Credit report. I reported it to them, they agreed that it was not my information but it is still there. The address is also not mine. It is from a pet hospital. I do n't have a pet.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
Stop trying to profit off the consumer. I in no way had a contract with 2 companies. XXXX XXXX needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to XXXX then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.
payment due on XX/XX/XXXX was submitted late due to mandate at work. I had no computer access and my bill was not with me. The payment was submitted the next morning at XXXX XXXX. The balance was XXXX. a payment was sent for XXXX .A late fee of XXXX was accessed when I sent a letter to see if they would waive the fee they refused.the balance left was XXXX which I paid and the XXXX card is no longer in service. they still want XXXX in late fees.this is XXXX XXXX.
I have disputed an account that has been in my equifax credit file. This was a car loan that was taken out back in XXXX. I filed bankruptcy in approximately XXXX XXXX this loan went into default 4 month before that which would of started the 7 years of remaining on my credit report in which the credit laws states. This was a chapter XXXX filing or wage earner plan in which this account was under a stay of the united states bankruptcy code. My attorney at that time made incorrect calculations and my case was ultimately dismissed 3 months before its maturity date by the trustee. So in XXXX the firm agreed this was an error on there part and they refilled the case at their expense and I went thru 4 more years of a wage earner plan and this case was finished in XXXX. XXXX is the company that is still reporting derogatory information on my equifax credit report. I have called them numerous times pleading my case with them to remove this old account. They refused by telling me that any time a new agreement is made and it goes delinquent again the 7 year cycle restarts and that they are reporting according to law. The date of first major delinquency was in XXXX not XXXX as they are trying to make their case. They want to have their cake and eat it too and this is n't fair to the consumer and unlawful at that. I feel this is some sort of retaliation for filling bankruptcy to begin with. I have asked equifax to remove this and they told me I have to get first investors to remove it. They will not give me and payment history as they have deleted all that information. They refuse to give me any documentation for a pay history. The way I see it is this if they want to stay with their claim of a XXXX delinquency then I want a pay history from that point showing this account was paid as agreed by the trustee, I brought that point up and she told me they cant do that by law, and I said you cantreport a delinquency of XXXX when it actually occurred in XXXX that is breaking the law. I want this stricken from my credit report and never to return on my report again and I want the government to investigate this company for possible laws they may have violated for reporting this way and if they have broken laws their reporting privileges should be revoked permanently
When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX
While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.
I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XX/XX/XXXXon my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.
they told me i have two years to pay they never contact me last thing i heard my name is an collection .the collection people called i tried to make an agreement they refuse me.
I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.
Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.
I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.
I have consulted and entered into a debt counseling agency XX/XX/XXXX. The debt counseling agency has been helping me settle my debts and Wells Fargo credit card is one of the accounts. 

I also have a checking and savings account with Wells Fargo Bank. The debt counseling agency has been in communication with Wells Fargo over settling my credit card debt. 

I received a summons from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdated XX/XX/XXXX This summons was given to Debt counseling agency and they are working with Wells Fargo. Wells Fargo ignored the debt counseling agency 's negotiations and not willing to work with the debt counseling agency so in turn they garnished my ENTIRE paycheck including my wife 's. 

XX/XX/XXXX, Wells Fargo garnished my ENTIRE paycheck and also my wife 's paycheck and left us with {$1000.00} to live on. I have a house mortgage, utilities, food that I am not able to meet to survive and now in financial hardship. They went into our checking account and savings account and took a total of {$2600.00} all in one chunk. Wells Fargo did not notify us that this will happen and ignored the debt counseling agency 's negotiation.. 

I am in utter emotional distress that Wells Fargo was able to do this when we are in a debt counseling agency and willing to pay Wells Fargo for my debt incurred. Wells Fargo jumped the gun, was greedy and just wanted to take the money without regard for the consumer and their personal living expenses. 

According to the garnishment law, they are suppose to only take no more than 25 % of the paycheck and not entitled to take the ENTIRE PAYCHECK and my wife 's too. Because we have a joint bank account they helped themselves and stole all our money. 

It is criminal Wells Fargo Bank would help themselves to our bank account. I will no longer bank with them since I know they are under criminal investigations for other bank fraud. I also checked my account and now they charged me for hidden charges which leaves my account at a negative balance. The attorney working with the debt counseling agency knows who we are.so I am not attaching any documents. Please help me get our many back from this scrupulous, dishonest, shady money hungry tyrants.
Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

From : XXXX XXXX XXXX
My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.
I contacted XXXX, XXXX, & Transunion verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.
SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.
Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.
I was repeatedly lied to about settling with this debt collector by its collection dept at stenger and stenger law firm debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that stenger and stenger would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that stenger and stenger was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my paypal account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my pay pal card name was not updated to my maiden name ( recently divorced ) Name on card that was submitted to Stenger and Stenger was XXXX XXXX