WillisBack/dataset-financial-user-claim huggingface dataset:
I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.
On XXXX/XXXX/16 I visited a J.P. Morgan Chase branch located in XXXX due to an advertisement that was sent to my email. I asked a simple questions in regards to what would the requirements would be to open an account with this bank, they stated I needed two forms of I.D . and my social security. At that point I asked if my social security number was mandatory to obtain in order to proceed with the account, they stated that it was a type of U.S. Law that required me to provide that with any account. After I was verbally told that specific information, I pulled up this website that states that a social security number was not a requirement so they proceeded with asking more personal information, thereafter I was told to leave the branch due to not qualifying under their policy. This situation was embarrassing and made me feel discriminated against. No disclosure or acknowledgement where in the advertisement stating what they mentioned to me in the branch.
We have several lines of credit wit h US Bank. L ast fall our private banke r (   XXXX   XXXX   ) r eached out to us and said she needed to renew our line of credit. We had never received a letter, email, or phone call prior to this. We had communication through email over the nex t 6 wee ks where she was trying to earn more of our business loans that we use other banks for. We got her our taxes and got the line of credit renewed. Right around the same time we got the line of credit renewed we received a letter stating tha t US Ba nk had hit our credit for late payments. Not once during our communication, where she is trying to earn more business, did she say anything about the line of credit being past due or anything. ( I have all of the email correspondence ) I contacted  XXXX  and she stated that it was their mistake and she would get it taken care of. She tried two times to have their credit department fix it but they said they are unable to.     By the way this line of credit was on auto payment which they shut off. Once again without notifying us. I run several businesses and have lots of notes and mortgages because of this. If I cant rely on a bank notifying me that a payment is due, loan is expiring and so on I will be in for a world of hurt because I do n't know how I would keep track of all of them.
I have spent months providing Select Portfolio Servicing with requested documentation pertaining to my deed of lieu we agreed upon. Today I have received a letter stating that my loan is to be restarted. They are requesting information I have already provided to them. Instead given me the answer to their decision regarding my deed of lieu. The process abruptly restarted all while I am communicating with them asking for more time to contact my daughter to get the new unexpected documentation. In the intervening period of time, I send the new requested documents on my behalf. This whole conversation has been recorded my both SPS and myself. 

XXXX XXXX, 2016, I received the first Mortgage Statement in a year, shortly I received another letter dated XXXX XXXX, 2016, stating " the mortgage servicer on the above- referenced account, received your inquiry regarding a possible mortgage workout plan. '' The whole statement above is a lie. I allowed Select Portfolio Servicing each time they requested to record our conversation so that I could put on my speaker phone on to record them as well. I have recorded our communication for the last year. I have dates, times, what was said according to our stated agreements XXXX XXXX, 2016, at XXXX I requested the status of my deed of lieu, I was told that my request was still being investigated for a ruling. 

Below are the dates and time I recorded my deed of lieu conversation recently with Select Portfolio Servicing. 
XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX )
I refinanced my home in XXXX XXXX to remove my XXXX husband 's name from my property after the divorce was final in XXXX XXXX. 

I was told by Wells Fargo that I had to hire a third party appraiser, XXXX, out of my pocket, {$550.00}, which I really did n't have that amount to spend at that time, but checked with my realtor first to make sure that my house would appraise for 80 % of my current loan amount which has been paid down the past 2 years. Since I was reassured by my realtor that my home would appraise and meet the 80 % LTV ratio, I went for it - and was denied. 

I was then told I need to come up with upgraded receipts to equal the amount of {$15000.00} in upgrades. I confirmed with the woman I was speaking to about these receipts and was told that I could use receipts for all upgrades from when I originally purchased my home in XXXX, prepare a detailed spreadsheet of dates, consumer name, product, and price, and detailed letter of why I want my PMI removed. For the record, I 've never been delinquent on any mortgage payment or any other payment. 

Today, XXXX XXXX, XXXX, I was denied-denied. Wells Fargo will not use the XXXX XXXX appraisal because they will be using the XXXX XXXX appraisal which is less since my property value has increased. Furthermore, I can not use any upgrades to my home if they were completed before my XXXX XXXX refinance. Just getting out of a divorce which took me 20 months to get out of divorce debt, how could a single woman making a minimal salary pay {$15000.00} in upgrades? So all the upgrades to my property do n't matter? 

I contacted XXXX, the actual appraiser, and he knew that I was doing this appraisal to remove my PMI only and he could not understand why Wells Fargo refused to use the most current appraisal which is what they should have done because what they are doing does not make sense, I.e., using a 2-yeaXXXX old appraisal. It 's just unrealistic. 

I spoke with my case worker who will remain unnamed at this time @ Wells Fargo Home Mortgage and demanded a refund of {$550.00} since they had no intention of using this appraisal when they had every intention of using the 2-year old appraisal, which makes no sense at all!
Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.
Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much appreciated.
On XX/XX/18 I submitted a transfer for Bill Pay through Western union at a XXXX Kiosk for {$200.00} and wanted it sent urgent for an additional amount of {$9.00}. I paid cash and was given a receipt for the transaction and a tracking number. A few days later I realized the payment never posted and when I checked the status online my payment was placed on hold and I was to contact Western Union customer service. I was told to return to XXXX to have them call as well, then told to wait 48 hours. After 48 hours I returned and was told to wait another 48 hours for a full refund. During that time I filed a complaint via email to western union and was told I could return to the store to have XXXX refund me. Once again this did not work. Somehow there is a breakdown between the 2 companies. Western union claims XXXX owes me and XXXX is saying Western Union needs to provide a tracking number so that I can get a refund. The money was sent from XXXX so the mistake appears to be on Western Unions end but they have not budged and I keep getting the run around as they investigate then prematurely tell me to return to XXXX for a refund. It has been 5 days since I initially contacted them for a refund and was given a case number. I was finally able to find a member for the corporate office and spoke with someone who is forwarding my case. I should hear from someone in about 2 business days which since its Friday, means at least another 4 days before I can get my money back. Considering the run around I've been given all week, I'm not hopeful corporate can help me because they still have to contact the same people who investigated in the first place.
I am receiving harassing phone calls at my place of employment two days after the due date which is on the XXXX of each month. Approximately early XX/XX/XXXX, I had a setback and was not able to make my payments on time. My payday is only once a month on the XXXX. I spoke with " XXXX '' and she stated she will place the note in the " system '' so they will know. Each month, I still received the same phone calls regarding the late payment and reiterated I was not able to pay until the XXXX. In XX/XX/XXXX, I received a note from my employer that the company left a message for me to contact them. I returned the phone call and requested they do not call my place of employment because of the nature of my job. I spoke with " XXXX ''. She said she would make note to not call me at work. I also mention to " XXXX '' that it should be noted I would make payment on the XXXX as well. She said she did not see the note but would place it in the " system ''. The calls continued for XX/XX/XXXX and XX/XX/XXXX from " XXXX ''. In XX/XX/XXXX, I received a message from my employer that " XXXX '' called me from XXXX XXXX. This is not the creditor however from the number, I recognized it was the XXXX XXXX. I called to speak with " XXXX '' and she was extremely rude, telling me I should be more responsible and professional because of my job title. She said she did not see any messages about not calling my employer or my arrangement to pay on the XXXX and that I did not tell her this information so it did not matter. I stated I should not have to speak with everyone in the office to make the arrangement. Although, it does n't seem to help anyway because you all call and harass me every month. My balance is only {$170.00}. I do n't understand why harass and bully someone for small amounts. I am making this complaint for the harassment I am receiving from this company. Many of my friends and family members who have had business with this company in the past stated that is why they do not take out loans with them anymore.
An old paid off account that is reporting incorrect on my XXXX and XXXX accounts from Sears/CNBA. Its over 13 years old and still showing up on my credit report. Its hurting my ability to get credit.
On XXXX XXXX, 2016 @ XXXX FEDERAL ADJUSTMENT BUREAU, INC. ( FABCO ) called my cell phone which i never gave them my express consent to do. I returned XXXX XXXX call she did not read me the mini-Maranda. After i informed her of her violations she hung up the phone. A couple of days later i received a XXXX letter from FABCO, which was not in compliance with the FDCPA consumer notice requirement and a week or so later i received another XXXX letter from FABCO which was not in compliance with the FDCPA.
I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this as soon as possible. Thank you,
I have been paying a XXXX mortgage on our other house that my stepson and his family are living in. In 3 1/2 years they have maybe payed me a total amount of {$1500.00} and the mortgage is almost {$800.00} pr month. I have called Green Tree ( mortgage ) co and asked for modification to lower the payment. After getting all of the paperwork together we were denied. I at that time tryed to get in touch with my Account Manager at Green Tree and found that I have my third different account manager who in turn told me not to make a mortgage payment 4 four months and that will force Green Tree to help with lowering the payment. That did n't sound right and I heard of CFPB through a title servicing company. So I am writing this letter and asking to get the right and legal help for my situation. On Wednesday, XXXX XXXX 2015 I found out that I now have my fourth account manager in the last 6 months.
Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.
I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.
A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.
Proof is enclosed in the two attachments with this complaint that Experian does not verify information with the creditor and even have any information on file. XXXX has sent yet two more letters requesting information from me and my credit report because they do not have any information on me. Experian has sent back a response previously that they verified the information. It is a Federal Law that the information they put on my credit report is to be verified and not pulled from XXXX 
Experian is in violation of Federal Law and also case law. They are supposed to verify information and if they can not they are to delete the information. I am not going to help XXXX collect data because they have a legal responsibility to report accurate information. They do not have any information on me because the two credit cards that I had with them was over 7 years ago. I want this information and other negative information removed from my file because Experian has NOT been able to verify the information. If this is not done my next recourse is to take Experian to court and maybe I can win a few million dollars as other consumer 's have that were awarded compensation by the courts for Experian 's blatant refusal to remove outdated information and say it was verified. Also, if you share this complaint with others I would like to gather enough consumer 's together for a class-action lawsuit. I am disgusted and fed up with the games and the illegal activities regarding credit reporting!!!!!!!!!!!!! PLEASE SEND THIS COMPLAINT TO THE FTC BECAUSE SOMETHING NEEDS TO BE DONE!!!!!
My name is XXXX XXXX and my account number was XXXXxxxx I have disputed inaccurate reporting from Huntington Bank 3 Times. Each of my credit Bureaus have different payment history which changes each time its diaputed. There are current payments followed by 120 days late which makes no sense. I lost a job of 8 years and it appears the only thing they want to do is negatively impact my credit with inaccurate negative reporting. Each bureau report is different even though theyve been disputed 3 times to be updated. As an example on report shows the ending of XX/XX/XXXX 30 days late. The other two show XX/XX/XXXX 90 days late after being 120 days late and paid in full the month prior. Please update my payment history correctly. You cant be 60 days late in XX/XX/XXXX but paid in full the month before. 

The most recent disputes I have sent were in XX/XX/XXXX, XX/XX/XXXX and XXXX. 

I have attached images of my report I can also locate the confirmation receipts from mailing them certified. 

Please correct my payment history or delet the account from the 3 Credit Bureaus.
I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!