WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. XXXX further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
On XX/XX/2018 I sent a letter to Flurish Inc dba XXXX disputing a negative account I found on my credit report. This letter was signed for on XX/XX/2018. I never received any correspondence from Flurish Inc regarding my dispute and my report was not marked disputed within the 30 day time line. On XX/XX/2018 I sent a second letter to Flurish Inc disputing the negative item on my credit report. I never received any correspondence from Flurish Inc but they did mark my reports as disputed-resolved consumer disagrees. On XX/XX/2018 I sent out a third and final letter to Flurish Inc asking for proof that this account on my report was actually mine. I still have not received any information from this company. Under the current law Flurish Inc should have marked my reports disputed within 30 days of my complaint and they did not. Nor have they attempted to prove this debt is mine.
Purchased a new XXXX from XXXX XXXX XXXX XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXXand XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.
This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ).

We received a HAMP loan, when we requested a HARP loan!

This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company.

We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan.

Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon.

We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled.

We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for.

We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.
Hi, Navient formerly known as Sallie Mae calls me day and night nonstop. Last year I paid off {$2000.00} plus on the interest and have been making payments towards the principle loan in small amounts. I have had numerous conversations with representatives from Navient requesting a lower monthly payment that aligns with my current financial state. I have offered them a number I am willing to pay, however, Navient wants me to pay the amount they determine though it is an outlier to my expenses. I am making payments to decrease the total amount on the current balance. I have reached my max with the harassing, annoyance, sharp tones, and demanding when I am trying my hardest to be diligent in repaying the student loan I withdrew for school. Navient is calling my place of employment which is unacceptable and leaving harsh messages such as " if you do not call us back we will be forced to ... '', 'I will be calling ... ''. I would really like for Navient to be more customer and user friendly. I know they would like money now and as fast as possible, however, they have no system in place to assist with repayment. 

Thank you
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they  stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
I specifically requested to have no overdraft fees in my account when i opened. Turns out the lady that helped me at XXXX XXXX branch of Bank of America did put overdraft. I called and another customer service represantative told me she removed them and i was hit with XXXX $ overdraft fees in just one week. After she told me she removed them within 4 days i get hit again. I have almost XXXX $ to pay because of only overdraft fees without my consent at Bank of America. Representatives do not care and no one is refunding my money because i didn't sign for any overdraft and i made it very clear since the beggining.
I was not working for a short time over the summer but was staying up on my payments. I did not realize I had a couple return payments and when I went to make a payment today ( XX/XX/2018 ) Capital One ( credit card ) informed me they had closed my account on XX/XX/XXXX and I was not aware of this. I also spoke with a customer service representative less than a week before this and was never once informed my account could be closed or would be closed if this was not taken care of. 

I let them know I was calling to make a payment and wanted to take care of any issues on the account. They said they were happy to take my payment but could not make any promises that the account would be reopened. This does not make any sense. 

The issue is why would I or anybody want to make a payment and take care of the account if they are not going to reopen it. I would prefer for it not to go to collections for 7 years and get written off but I also am not going to make a payment if they are not going to reopen the account. The lady did say there is a chance they would reopen the account after payment is made but they could not make any promises. 

The only options available to me were to make a payment and see if they reopened the account or to not make any payments at all and just let the account stay closed for good and just let the collections go which is ok by me if that's how Capital One does business. If they are not willing to reopen the account than I don't think it makes any sense for anybody to continue to make payments. It seems to make sense though for Capital One to allow me to pay on the card and reopen the account and it would be a win win for everybody. Instead we aren't getting anywhere and there is no real winner.
On XX/XX/18 I received a Synchrony Bank Walmart Mastercard in the mail that I did not apply for. I called the customer service number on the back of the card and cancelled the card immediately. I was not sure why I received this card. The agent said that I needed to provide my private information for this card to be generated. I never ever applied for this card. It is strange that the card came to me in my name. I would think that if someone stole my info, they would have had a card sent to them ( in their name ). I NEVER provided information, or applied for this card.
On XXXX XXXX XXXX, I bought a washing machine on-line from Best Buy for {$690.00} ( including taxes and hoses ). I applied for the Best Buy visa card since this card allowed me to pay my purchase using installments, interest free, for 18 months. Little did I know that Best Buy will start adding fraudulent late fees charges on my account. Initially I was paying $ XXXX/month. In XXXX, Best Buys stated they did not receive my payment and that I was late. I verified my XXXX XXXX account and the payment was sent. I called them on XXXX XXXX and the representative told me they will revert the late fee charge of $ XXXX.They credited me {$27.00} and not {$31.00}. The supervisor I talked to on the same day, XXXX XXXX, stated that my payment for XXXX XXXX is {$31.00} since I sent another payment of {$27.00} on XXXX ( that was received on XXXX ). I asked the supervisor multiple times if that is the correct amount I have to send and she said Yes. I also asked why my monthly payment would change from {$27.00} to {$31.00} and she did not answer my question.To my surprise, the bill received this week shows that I was supposed to pay {$61.00} though no bill was sent to me with that amount and the supervisor stated clearly I have only to pay {$31.00}. It is very unclear to me where {$61.00} is coming from, how this was decided when all the correct payments were made in time and why the supervisor mislead me? The supervisor also stated though she could not change the late fee charge for {$31.00}, however I would see it credited in my XXXX bill and then my monthly payment will return to the standard {$27.00}. That did not happen at all. In contrary, they started to change my monthly amount from {$27.00} to {$31.00} to {$57.00} to {$61.00} that served only to confuse what the exact payment should be. I feel this is done with a deliberate scope to confuse the payers and add illegal charges to their monthly bills.Not only I did not get refunded the {$31.00}, they claimed now I was late for two months on payments and added another {$64.00} late fees, with no explanation. Is only XXXX, how can they add late fees for 2 months since XXXX XXXX? Conveniently they do n't have any records of the people I talked to or the full names of the supervisors. 

Since XXXX until today, XXXX XXXX XXXX I paid {$200.00} towards the total purchase. My total purchase was {$690.00}. Tonight I sent the payment for the difference of {$490.00} and requested the closure of my account. The representative XXXX, XXXX refused to remove the late fees charges, to close my account or allow me to talk to a manager. 

I was not late on my payments hence there is no reason for them to charge me {$64.00} in fees for 2 months. I have an excellent credit score of XXXX and was never late on any payments. Best buy credit card is refusing to close my account or remove these bogus late fees charges. 

This constitutes fraud and I am requesting an investigation on this illegality.
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
I co-signed for a {$5000.00} student loan with Naviant and the student isstill finishing her Masters but the 48 month grace period hasSupposedly expired. They have been sending twice daily emails andTwice or more daily phone calls even after I called and requestedA paper billing statement and advised that once i got the bill i would startPayments. They refused to stop the calls and emails.
I was nearly XXXX in a XXXX XXXX XX/XX/2018. During recovery in the hospital I failed to in sure the funds in my bank of America account were sufficient. While all my deposits went to my XXXX XXXX checking account, all of my withdrawals came out of my Bank of America checking account. Bank of America charge nearly {$500.00} in overdraft fees, and agreed to waive {$140.00} of those fees due to my incident accident. At that time I transferred {$1500.00} to cover all late payments and fees. Bank of America immediately with Drew the farthest from my XXXX XXXX checking account, But they held nearly the entire transfer ( pending ) for seven full days leaving me no access to the funds whatsoever causing exponentially higher fees from every single credit card I have on a daily basis as they re-tried/allowed retrial withdrawal and reversal the payment over and over charging {$35.00} overdraft fees to my checking account each time as well as a {$25.00} return payment fee to the credit card requesting the withdrawal. This math equals : {$35.00} + {$25.00} x 6 credit cards x 6 withdrawal attempts each within 1 week. This occurred after spending 4 hours on the phone with multiple levels of Bank of America supervisors is trying to solve the issue. My former complaint was over around {$260.00}. I know Im complaining over nearly {$1000.00} in overdraft fees charged after Bank of America America knew the full details of the severity of my near XXXX XXXX and the lenght, XXXX, and medical cost of that rehabilitation. A representative from Bank of America left me a voicemail on my cell phone around XXXX XXXX, and asked me to call him back at a extension number which I now realize was fake. Their social media department also sent me two separate links asking me to provide personal information, these links were both also fake. I assume this is an attempt by Bank of America to create fake evidence that they have attempted to resolve this with me. They have done absolutely nothing of the sort. I have spent nearly 72 talking hours on the phone with every financial institution Im connected to trying to solve this issue, which I have the funds to solve, but Bank of America has completely lost their mind with their automated theft machine that governs their customers checking accounts.
In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.
I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.
I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.
I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. 

I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. 

On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan.

Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.
We applied for a loan mitigation with FBC Mortgage. We were denied twice ( 2x ) due to ( according to FBC ) our income being to low and debt ratio being too high. I was approved for the loan on my income alone and was with the same job with increase in salary. After the 2nd denial, I added my husband 's income ( $ XXXX monthly ) and still was denied. I called FBC on several occasions and the representatives were unable to give me the figures the underwriters used to determine our approval/denial. We are getting the run around and inconstant answers. We are wanting to keep our home and FBC seem to be taking our situation lightly.
Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.
IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. 

They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.
Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus.