WillisBack/dataset-financial-user-claim huggingface dataset:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.
I wrote Bank of America and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.
In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.
MACYS STORE GAVE ME A STORE CREDIT CARD FROM CITY BANK, THE CREDIT LIMIT WAS XXXX DOLLARS, LATER I DECIDED NOT USE THE CARD AGAIN AND THEY REQUESTED FOR THE BALANCE AND I PAID THE BALANCE IN FULL TO THEM BUT THEY HAVE PUTTING THE AMOUNT ON MY CREDIT RECORD THAT I OWE THEM WHICH IS NOT BUT SOME MEANS TO TAKE ANOTHER MONEY FROM ME. 
I CALLED THEM AND THEY CONFIRMED THAT I DONT OWE THEM SO THEY WILL TAKE IT OFF BUT IS BEEN THREE MONTHS NOW AND IT IS STILL ON MY RECORDS.SO I WANT TO CHARGED THEM FOR FALSELY SPOILING MY CREDIT RECORD AND AGAIN MISLEADING ME THAT, THEY WILL TAKE IT BUT DID NOT. 
SO PLEASE HELP ME TO SOLVE THIS ISSUE, IT HAS DAMAGE MY CREDIT STORE FALSELY.
I was behind in my mortgage the amount was roughly XXXX. In XXXX XXXX I requested a reinstatement quote. I received the reinstatement quote from Ocwen Mortgage and paid it early. In XXXX of XXXX I get my payment statement and reflects that my payment has increased by {$500.00} due to foreclosure fees. I was advised that after I paid the reinstatement quote Ocwen notified the foreclosure attorney that all was now good and the fc attorney then sent a bill for the services which in turn Ocwen passed onto me. I advised Ocwen that what they had done was fraudulent and illegal. I filed a complaint for this to be escalated within their servicing area. On XXXX/XXXX/XXXX I was called by Ocwen explaining that they had investigated the matter and found the {$500.00} to be a valid charge and I must pay it because of the foreclosure. I advised the rep that this was illegal, that their was never a Notice Of Lis Pendens filed. I also disclosed that I do this kind of work for a living and new exactly what the law stated. I advised that they were in violation of the FCRA, The CFPB, The Frank Dodd Act and a whole host of other violations. I explained over and over again that the Ocwen never filed a Notice of LP. They then told me that due a township ordinance it was my responsibility to register that my house was in foreclosure. Once again I explained to them that they never did their due diligence and their was n't a foreclosure filed. They have lied to me, they have attempted to defraud me and they have cheated me. I would like them investigated and I would like them punished. If they are doing this to me and I know what the law is imagine what they are doing to unsuspecting consumers.
I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.
my name on my nys id is XXXX XXXX XXXX and in my equifax, XXXX and XXXX credit report show as XXXX XXXX XXXX XXXX XXXX and that is not correct my id says XXXX XXXX XXXX dob XX/XX/XXXX address is XXXX XXXX XXXX XXXX, XXXX, new york,XXXX
After their huge credit breach, exposing all of my personal information, I used the links on their confusing website to set up their free credit monitoring service as advertised on their site and the national news to protect their customers from THEIR credit breach. I followed all steps and instructions and still have not received anything from any type of credit monitoring services, so my personal information remains unprotected because of their lack of security. Now I am exposed to anything and anyone who wants to use my credit.
I requested unauthorized inquiries to be removed from my equivalent credit file. I have never given permission for these inquiries to be made. I expressed this to equifax via certified mail and the response given to me is that these were facts.
Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.
LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair
The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. 

This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. 

I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.
In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.
I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.
called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.
Hello my name is XXXX XXXX. I had a HELOC {$49000.00} which was discharged in XX/XX/XXXX in a bankruptcy and Chase Bank started forclosure proceedings in XX/XX/XXXX. I have paid XXXX XXXX XXXX XXXX an attorney ( XXXX XXXX, XXXX ) to resolve this issue since XX/XX/XXXX. I refinanced in XX/XX/XXXX and the title company involved in the closing was negligent and did not obtain a subordination notice for Chase bank to sign {$0.00} balance lien even though it was the same title company that handled a refinance in XXXX. This put Chase in a position before XXXX XXXX ( Chase 's claim ) to foreclose on the property in XX/XX/XXXX. A clerical error which has put XXXX XXXX in a position to loose their first mtg of $ XXXX. I have retained another attorney and still can not get any resolve on the matter. There are many documents and facts in this case and wanted to start off with minimal information until I am contacted from your office. Chase Bank is now forcing me to take a loan modification for an undisclosed term and I need help as an individual can not go against a multi XXXX dollar organization like Chase bank, # 3 JPMorgan Chase Market Cap As of XX/XX/XXXX {$300.00} XXXX info from XXXX website Chase Bank will spend {$500000.00} on legal fees for this case for this {$49000.00} debt that was discharged. I can not negotiate with them and in need of assistance regarding the rules and laws with collection of this debt and the current foreclose on the property after my bankruptcy 7 years ago. 
Please advise, Best Regards, XXXX XXXX - XXXX C #, email XXXX XXXX
The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.
This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.
My vehicle suffered a total loss in XXXX 2014. My primary insurance paid the amount of {$10.00}, XXXX on a loan balance of XXXX, XXXX which left a remaining balance of XXXX. My GAP paid {$760.00} after a year, waiting for an updated valuation report on the vehicle. Ally now claims I owe {$320.00} because they applied the initial payment to principal as opposed to the total loan payoff. I dispute this amount since XXXX insurance payouts exceed the payoff.
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, Experian, XXXX. I am in the process of buying a home and I need access to my files asap.
I have written Merchants Credit Guide on   XXXX   after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from  XXXX  erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on  XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.
In 2015 I agreed to a debt consolidation with XX/XX/XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
in XXXX I took out a loan from Pave for around {$12000.00}.
I paid it off in full in XXXX and received a confirmation email.
However, I paid interest during XXXX and XXXX and reported that on my taxes.
In the past 2 weeks, I 've tried repeatedly to get in touch with anyone at Pave via phone, and email but received no response. I can no longer log into their website. I am seeking tax documentation.
It feels very scary that they have been so unresponsive for over two weeks.
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.