WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were XXXX  and Experian. Now Experian states as of XX/XX/XXXX there was no data to be reported but XXXX  stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that Experian and XXXX  did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.
I have tried to get this resolved but it has caused delays so that I think my original complaint has not been answered. I want to know where the figures that XXXX is trying to ruin my credit came from. They only sent me a list of charges sent them, no explanation where they came from. 
I received the amounts submitted to XXXX. But did not receive the paperwork that told me what each charge was from. How did they get these numbers that was sent to them. They also sent me a closed school form. I filled it out and got a response of no turned down. I am questioning where these figures came from because they are strange and my classes were not this much. XXXX courses x XXXX & XXXX pell grant do not add up to this. I want to know where these figures came from? Not just the amounts given to them which are wrong. The amounts and dates are not right. 

I gave them all of my paperwork for XXXX for XXXX form I got turned down, because there was n't a review date and I did n't have a doctors note. I do n't have a review date because XXXX They need to get it broken down so I can see where these figures came from.The dates amounts do not make sense. 
XXXX XXXX closed, I never got my degree, Was told they were closed for stealing student money.
I filed a complaint with this agency on XX/XX/XXXX # XXXX Mr. Cooper submitted the exact same documents that was mailed to my address on XX/XX/XXXX. I requested a copy of the Mortgage Service Agreement. I am requesting that this agency investigate Mr. Cooper 's RESPA violations.
I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ...
I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.
On XX/XX/XXXX I was on XXXX  website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!!

Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.
I responded to an offer to open a checking account at HSBC. The opening process was excruciating but I worked through it. I made two transfers of funds and was disappointed both times by an extremely long transfer time. Everything about HSBC is slow and clunky. I attempted to close the account on XX/XX/2018 by contacting customer support. I was advised that there would be a fee for closing the account before six months through a rep but if I were to transfer my balance out first there would be no fee. This advice was given by phone and I have a recording of that conversation. When that transfer was complete on XX/XX/2018, I called back to close the account and that rep refused to close the account because there were insufficient funds to cover their fee. I was told that I would have to transfer {$25.00} back in. I have a recording of that conversation. All transfers were initiated via the HSBC web service, this transfer took a full week. When the funds finally showed up on XX/XX/2018, I called back and closed the account. That rep again attempted to convince me to keep the account open. I firmly told her to just close the account. I was told that the account was closed. I have a recording of that conversation. I logged back in on the XXXX to make sure and not only was it not closed but they have assessed a " {$25.00} minimum balance fee. '' HSBC 's purpose here seems to be to keep the account open by refusing to close it for the express purpose of assessing exorbitant fees. I believe that this constitutes FRAUD.
The issue in question began back last year when we received a letter from Nationstar stating that our loan was being sold and that we would be contacted by our new provider. However, after a month with no response from any such provider we were finally notified that Nationstar was going to still be our Mortgage provider ( apparently a new investor within Nationstar was going to buy our loan ). This caused us to be ONE MONTH behind in our payments. We made a payment arrangement directly with Nationstar/Mr. Cooper. 
Nationstar agreed to make arrangements and an agreement was reached where we would pay the amount of {$1200.00} for four months which began in XX/XX/XXXX. This would make up the missing payment of {$980.00}. The payment of {$980.00} ( regular  payment ) would then resume in XX/XX/XXXX. This payment was set up completely by the Nationstar Representative. We upheld the agreement and made our payments per the agreement. 
1. The first made on XX/XX/XXXX in the amount of {$1200.00} 2. The Second made on XX/XX/XXXX in the amount of {$1200.00} 3. The Third made on XX/XX/XXXX 4. The fourth and final payment made on XX/XX/XXXX in the amount of {$1200.00} The XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX XXXX for a total of XXXX XX/XX/XXXX Payment was made XX/XX/XXXX {$980.00} Also on XX/XX/XXXX an additional payment was made in the amount of {$980.00} which should have gone for the XX/XX/XXXX payment. HOWEVER, it appears that Mr. Cooper/Nationstar applied it ( XXXX ) completely to principal. This is causing me to be ( 1 ) One month behind On XX/XX/XXXX a payment in the amount of {$980.00} was paid for the XX/XX/XXXX Payment they are claiming it is for XX/XX/XXXX. 
On XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX Payment they are claiming it is for XX/XX/XXXX On XX/XX/XXXX a payment in the amount of {$980.00} was made for XX/XX/XXXX payment. they are claiming it is for XX/XX/XXXX On XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX Payment. they are claiming it is for XX/XX/XXXX on XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX payment. They are claiming it is for XX/XX/XXXX On XX/XX/XXXX I spoke directly with their  customer service representative XXXX XXXX. I was asked to email her my bank statement which I did She claims to have submitted a reversal for the " missing payment '' but She ( XXXX XXXX ) claims in an email received this date XX/XX/XXXX that they will NOT credit me with the payment. 
I have the email correspondence from her. Every payment was made on time as agreed and they even claim to have refunded money back to me which I have not received. The Accounting is wrong on this account and I have sent letters, faxes, and emails attempting to straighten it out. It should be noted that this loan was modified prior to Nationstar/Mr. Cooper acquiring this loan. It is NO LONGER a HELOCK loan it was modified prior to them acquiring it. They made a mistake and will not fix it.
I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
I have been unable to access my direct deposit payroll check since payday on XXXX/XXXX/2015. I have placed numerous calls to rush card but have only been able to speak with someone XXXX times. I was told twice ( Sat., XXXX EST, that an escalation request would be submitted & I would either have my deposit or hear from someone in 12 hrs. Then again on Monday, XXXX/XXXX/2015 I was gave my information again & assured that I would have my money by the end of business that day ). Today is Wednesday, XXXX/XXXX/2015 and I have been unable to contact anyone. Calls are disconnected. I have not received any tx, emails or phone call. In addition I have contacted XXXX, they we helpful, & I received more info from them since this nightmare started. I just want the truth, and an estimate of when or if I will be able to gain access. The total disrespect while paying lip service is so unacceptable. In this age of technology, it is hard to believe that it would take this long to rectify. It is very scary and there seems to be no recourse.
I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
A collections company has evidently bought debt from a CC company and placed XXXX sections on my credit bureau. I feel as if this is incorrect as no one from that company has ever contacted me at all. I believe this is only XXXX debt as a result of my name and SS # being used fraudulently and would like to get this clarified and corrected.
We mailed our rent check to our landlord on XXXX XXXX XXXX. On XXXX XXXX, XXXX a different, unknown woman cashed our rent check at a XXXX XXXX XXXXXXXX, after she scratched out our landlord 's name and listed her own name in the payee line. We did not learn of this until the end of XXXX when our landlord told us he did n't receive payment. We looked up the check and say from the photo of the deposited check that someone has stolen our rent payment. The landlord then forced us to pay him immediately. We sent an affidavit to Chase describing all of this with the check photo on XXXX XXXX, after calling them. Since then they have learned it was a woman who cashed the check at a XXXX XXXX XXXX branch. They are refusing to refund our stolen money until 90 days from when we reported the loss. They are refusing to contact XXXX XXXX XXXX XXXXo in any way expedite XXXX XXXX XXXX XXXXs action to reimburse them. Still, as Chase customers, we should not be out this money. They should insure us from thieves. Otherwise, what is the point of a bank account. We would have been better off keeping cash in the mattress. We also filed this case as a XXXX crime.
ditech Financial Services issued a revised billing statement at the same time as ditech announced implementation of the XXXX XXXX XXXX XXXX XXXX platform. The statement date of XXXX/XXXX/2016 does not indicate the date when the statement was likely placed in the mail. I believe that that date could have been about 7-10 days afterward. The statement did not arrive at my address until on or about XXXX/XXXX/2016. I do not believe that ditech has control of their internal mailing process.
On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.
I have disputed an inaccurate bankruptcy with Experian several times and they are not investigating the account. I wrote a letter to the court they have listed as the furnisher of information on my credit report. Several factors are wrong with the bankruptcy. Experian did not list an address or phone number for the court they claim is " verifying '' this inaccurate bankruptcy. It made it almost impossible to write a letter directly to the court, as Experian did not give me any contact info. I was able to find the court by doing extensive research online, the court responded to my dispute stating that Experian did not contact them in reference to my dispute. This is a violation of the FCRA, as they only 5 business days to send my dispute to the furinisher of information. Experian is liable to a {$1000.00} fine for lying about contacting the furnisher of information.
Care Credit account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX, 2017 Via US Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX Re : Account numbers : XXXX and XXXX Dear Chase Bank Representative : I am writing this to you due to inconsistencies in your reporting to the credit bureau. After the accounts were closed with Chase Bank, Chase Bank entered additional activity of late payments once the accounts were closed. This practice is deceptive and increased the amount of time the entries regarding Chase will be on my credit file.
I have attached the Chase Bank credit reporting for your review. This practice violates the Fair Trade Collections Practices. Once the account is closed the credit grantor should not continually report activity to lengthen the time of debt collection.
Since you do not have the correct information to solicit this debit please remove Chase and all trade lines regarding Chase from my credit bureau credit reports. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau in response to this alleged debt. Please remove from all credit bureau files.
Thank you for your cooperation.
Sincerely, XXXX XXXX Cc : XXXX XXXX  XXXX Consumer Financial Protection Bureau
In a time of financial hardship, I turned to the internet in search of a personal loan. I ran across many websites which purport to lend installment loans at a much higher interest rate. At that time, I was unaware of the usury laws which protect consumers of NJ from loans with interest rates above 30 %. I was in such dire need that I applied for numerous online installment loans and was approved for all three. I made payment religiously whenever they were due, however, I was recently made aware by the attorney I work for that these loans are illegal and that most likely none of these lenders is licensed to lend monies in NJ. Any money owed to this company was paid well over the amount borrowed. The interest rate charged was well over XXXX %. This complaint is for one of the companies, however, I will be submitting separate complaints for each of the lenders.
XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected. 

XXXX XXXXRespectfullyXXXX XXXX