WillisBack/dataset-financial-user-claim huggingface dataset:
I would like Chase to agree to lowering my interest rate. Because my work hours have been reduced. I would help me to be able to make timely payments.
On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX
I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.
Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX  to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help me.
I have been disputing incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.
My accounts at Trustmark Bank have been breached causing a great loss in funds. My banks are in the XXXX, Ms area.
ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity.
I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX, 2016, I paid XXXX XXXX {$680.00} of the {$970.00} balance, Capital One in XXXX 2016, started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}, they will continue to report and try to collect the amount, I forward Capital One the letter I received from XXXX XXXX stating the debt was paid through a settlement with a XXXX balance. Capital One said the paper did not reflect what I owed them. I told them that XXXX XXXX was acting on their behalf. I contacted XXXX XXXX and asked if they had sent over the arrangement that we agreed upon. He replied yes and that the account was paid in full and that he would contact Capital One. I waited a week and contacted Capital One. I was told that I still owe the {$290.00} and it would be reported until it was paid.
BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )
My company changed our regular pady from Thursday XXXX to Wednesday XXXX. I have confirmed with my company they they submitted direct deposits on XXXX/XXXX/17 to allow for this change. My direct deposit is split between a credit union checking account and my pre-paid card. My credit union deposit hit the night before like it normally does and balance made available. However the pre-paid card deposit did not hit the night before like it normally did. I called the pre-paid card customer service at XXXX MT to see what the problem was. I was told to give it until XXXX " east coast time ''. I did so, and at XXXX checked my balance, no funds so I call back. This time, I 'm on hold at least 30 minutes and they now say it 's delayed due to the holiday ( tomorrow, XXXX ) and to give them another 4 hours. I had no reason to think my direct deposit would not hit on time, and now my family and I are traveling out of town with no money, praying that they correct whatever issues they are having. I have no recourse because my company has paid me. I am at thier mercy.
I contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.
Received a statement with a {$1100.00} balance owed from some ficticious company that turned over account to them ... there is no such account for which I owe
I noticed a collections on my credit report. I contacted the collection agency, Portfolio Recovery Associates, by sending a letter that they received on XX/XX/2018 asking for validation of the debt. Two weeks or so later, the collection was removed from my credit score and my scored is raised significantly ( obviously ) Didnt hear back from the company. Jump to one week ago, receive a letter in the mail from PRA giving general information but not validating the debt. Although it does say that the statue of limitations has expired and I cant be sued for this debt. The letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. The collection was then put BACK on my credit score causing it to plummet over XXXX  points. This greatly affected my personal life. They also sent me a second letter with payment options even though I have no claimed any responsibility for this debt as they have yet to validate it. Last weekend the collections was taken off my credit score AGAIN, but my score only raised about XXXX points.
In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however XXXX XXXX   has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.
Hello, Last year I applied for a rate reduction program due to financial hardship that made if difficult to make my monthly payment. At the time, my spouse was unemployed and we only have one income for a family of XXXX. I have been making the payments monthly as my spouse was able to get another job. Recently, he became unemployed again and that has put us in another financial bind, causing my XX/XX/XXXX and XX/XX/XXXX payments to be missed. We are struggling and have to figure out how well make it day by day with food for us all, gas, rent, etc. Weve even had our two vehicles repossessed and had to borrow money to get our vehicles back so we can get to work. My loan is only eligible for 12 months on forbearance that I used years ago as a young student not understanding the terms. This loan was even originated for a school ( XXXX XXXX XXXX, XXXX, PA ) that lied to me about the degree I enrolled to receive and did not tell me that I was instead receiving a certificate until several months of attending. I am not stuck with a loan that has no impact on my career and nothing to show for. 

I want to make payments under the reduced plan even though that is even an amount that I struggle to make, but can not afford the past due balance. I called Navient and was advised there were no options available other than to make the payment or be negatively credit reported by XX/XX/XXXX. 

I have absolutely {$0.00} in our bank accounts and even now trying to figure out how to feed my family. Because the {$150.00} is even difficult to afford, I plan on canceling the Direct Debit so that I can make biweekly payments as the one large payment monthly is very difficult with now a family of XXXX and limited income. Please help me in having some success in repaying the student loan.
I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.
XXXX has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.
ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller  XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I have by given the run around concerning my loan and loan for over 25 years. I had two different loans with Sally Mae that were combined and taken over by Navient. On my last phone conversation with Navient, I was told that Mr .??? would call me back by Thursday, XX/XX/2019 to explain why I have two different payment books. One that is {$100.00}. more monthly. The problem occurred when people from two different  departments went back and forth giving me information on how to lower my monthly payments. Both Persons filled out paper work in an attempt to lower my payments. Navient says I have to go with the higher monthly payment because that was the last paper work that was filed. My {$260.00} ... monthly payment is due XX/XX/2019. Basically, I feel that I have been given wrong information throughout the 25 plus years and this has even caused me not to be eligible for their student loan forgiveness or public loan forgiveness program. I have been told that my loans don't qualify because they are federal loan. I'm not even sure when or how this all came about.
Our company, XXXX XXXX XXXX XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, XXXX & XXXX, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX XXXX an advertising company based out of Utah XXXX. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX Rauch Milliken International , Inc., stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
the XXXX XXXX XXXX was purchased XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey first arranged the with XXXX XXXX.When I got the 1st late notice from XXXX  I phoned them and told the person I talked to about how I would need a different due date.This was because I only income is from Social Security XXXX.They extended o reasonable grace period so I would avoid any late fees in the the future.This the exact same procedure I took with hunting when I received my 1st late notice from them.At the time I first called they their customer assistant in formed me huntington did not offer grace periods and I would have to make the payment an pay the late fees or I woud never see my title.I have a half a dozen times when Called huntington a discussed the same Social Security issue with them.Same answer huntnigton has no grace time for passed due payments.I have made monthly payment on the principle ever month since XXXX.never missed a payment.I received on XX/XX/XXXX a loan transaction history. With a start date of payment of XX/XX/XXXX. 
The conversation I had with a rep from huntington, I asked why they never tried to work with me that rep asked why didn't apply for a distress wavier.Well think that ' because it was never offered. 
I have the copies of the Loan history an checks.I don't have ready access to a fax.Wiil happily mail. e-mail or tex and let me know. 
cell no ( XXXX ) XXXX XXXX would get fastest reply Thank you XXXX XXXX.
I had a mortgage with Bank of America ( BOA ). During the term of the loan, BOA changed the terms of the loan incorrectly, adding almost {$1000.00} to my monthly payment. I notified BOA and I only got replies from them that they would look into the problem. This lasted for six months ' time. BOA never resolved the problem. I paid off the loan subsequently and then contacted BOA and my attempts were rebuffed. Finally, BOA contacted me to work out the over payments, after I filed a complaint through CFPB. BOA and I discussed the matter and BOA made an offer to settle all moneys due. We discussed the settlement amount and a confidentiality agreement. BOA asked me to sign a letter to CFPB that we had reached an agreement. I refused and stated, not until all details were worked out and papers signed. BOA never signed any papers. BOA sent a notice to CFPB that we were 95 % in agreement and then CFPB closed the case. After the case was closed, BOA stopped talking to me and has not continued any further discussions to resolve this matter. I will attach a some emails from BOA 's attorney that shows BOA was in agreement that monies were due me. I would like BOA to pay me the extra money that I was forced to pay. This can only be done if CFPB opens another case file.
I walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.
I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal.