WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.
I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you
I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks
CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
My mortgage is serviced with FAY SERVICING.  They appear to be very shady with loan payments. I will give you 2 examples:1) back in XX/XX/XXXX they sent me (2) $XXXX check, I should have only received 1.  I call then and they had no idea what I was talking about.  I cashed them both.  I then noticed I had a late mortgage payment in XX/XX/XXXX--they took my payment that I made in XXXX to offset their "double check" to me.  Is this legal?? I have no idea but seems they should have just called me to ask for the money back.2) I regularly make payments for more than the amount due--I expect this "extra" money to be applied to my principal balance--however, they move the money to a suspense account and do not apply it to my principle.  I should not be paying interest on this principal payment reductions while the money sits in this suspense account.  I just want you to look into this servicing company.  If you order a 1 year snap shot of my mortgage you will see all of the issues that I have described above.  I do not feel they are on the up and up and feel I am being taken advantage of.
I have had a Chase checking account for several years. I have my social security direct deposited into my checking account. Just over 2 months ago I learned my account was over {$2000.00} in the negative. I called social security to stop my check from being lost to Chase 's overdraft practices. I was unable to stop it in time and lost half of my limited income. I filed an investigation with the bank and some those funds were returned to me. I got a new debit card. I had my social security direct deposited again. Before I realized it the same thing happened again. I called and tried to have the account frozen. No one would help me. I received a letter from Chase saying I was right and the money they returned stood. But I still lost my s.s. check which sent me and my bill paying into a spiral into a deep hole. I had to leave my home and am now XXXX  and will probably lose my vehicle as well. As soon as my new card came in, new strange charges again appeared on my account. I called and complained. I was told to go to a branch for help. I did and was told that since I had already received help they were not going to help me again. I had again had my s.s. check direct deposited thinking everything was straight. Not only did I lose it but instead of just {$1000.00} in the negative I'm now {$2000.00} in the negative even after again losing my s.s. check again to the Chase bank. Over the past two weeks I've been dealing with storing my belongs, finding a place to stay temporarily. ( I live with my adult son who has been fighting his past and struggling to get a job so we r both XXXX ) and have not been able to physically go to a Chase location. I plan to on wednesday but from my last reception I don't expect much help. Of course on top of all the bogus charges are the bank overdraft charges. I have ordered the government direct deposit card and my next check will go there but that won't happen for another three weeks. In the meantime I can't pay any bills, I can't buy food, gas, etc. I have no money to pay to get into an apartment. 
My biggest question and complaint is why didn't Chase stop these charges before Chase allowed this situation to completely destroy my life. I don't know where to turn.
Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating
ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.
Two hard inquiries are showing on my TransUnion report that were not initiated or authorized by me. Both were submitted on XX/XX/XXXX from XXXX XXXX XXXX XXXX. Using the contact information provided by the XXXX XXXX I contacted the company at XXXX on XX/XX/XXXX. I was put through to the XXXX credit card department. I told them what was going on, they immediately put me through to their fraud department. Their fraud department looked high and low for any credit checks they would have made using my name and SSN number and were not able to find any such instances so were unable to remove the information or provide documentation to remove the inquiries from my report, they suggested I call TransUnion. I called them on XX/XX/XXXX, they told me I need to get a letter from the credit card company to have the inquiries removed, there were several other steps involved. They gave me the same phone number that XXXX provided. I called the credit card company back that same day, again put through to the fraud department and spent almost an hour on the phone while they searched for any applications that may have been submitted with my information. They found nothing and informed me that they do not even report to TransUnion, they report to XXXX. In closing, they could n't provide documentation to have the inquiries removed because there were no inquiries to be found. I have not called TransUnion back since it was such a hassle to even get through to anyone and the person I spoke to during my initial call made it pretty clear they would n't do anything without a letter from the credit card company. I have no idea where to go from here to get the inquiries cleared and I certainly do n't want them hanging out on my credit report for the next two years.
Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.
I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help me.
I have notified Transunion that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Transunion have not removed these reportings that do not belong to me. Such as, inquiries within the last 16 months, Bankruptcy ( Chapter XXXX ), and the Release of Tax Lient. I am in need of your assistance in getting this matter resolved.
I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier
I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
On XX/XX/XXXX XXXX XXXX XXXX, started reporting a debt on my Equifax report as in collections. Stating that this is an old XXXX XXXX Account. The account in question has been closed since XX/XX/XXXX and charged off by XXXX. Date Reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX, Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$1300.00} Account Number XXXX XXXX Amount {$1300.00} Creditor Classification Financial Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX The DoFD has been re aged by this collection agency. I have reprinted copies of my XXXX XXXX XXXX from this account that clearly shows a XX/XX/XXXX date.
On XXXX/XXXX/XXXX we made a purchase of {$3000.00} with a promotional credit offer of 18 months @ 0 % interest. I was able to make all the payments on time and in excess of the minimum payment due of {$160.00}. By XXXX XXXX I had a balance of {$960.00} with 10 months to go on the 0 % offer. On XXXX/XXXX/XXXX I called Synchrony Bank to reduce the minimum payment to {$100.00}. The first agent was un helpful. I waited XXXX minutes to speak to XXXX XXXX XXXX XXXX, who refused to do anything. Her supervisor was unavailable. I asked how I could register a complaint. She said she could submit XXXX on my behalf or I could mail XXXX in to their corporate office. I told her to submit XXXX and give me the adress so that I could mail XXXX in as well. I also told her I would be submitting this complaint.
WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!
A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. 
All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. 
Thank you!
Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.
Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been made.
XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX
I am filing this complaint due to no course of action being taken by the following Experian, XXXX, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.