WillisBack/dataset-financial-user-claim huggingface dataset:
I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Deposits were made on Wednesday, XXXX/XXXX/16. The bank did not make any money available the same day as required. The next day nothing was made available. Now Friday the second business day still nothing is available and the bank has stated that the items are " under review '' and has given no indication of when the funds will be made available.
Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me.
I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.
I did n't receive anything from them because I moved, but wend I did speck to them years later. I informed the that my baby was on XXXX and done anything they asked me to do. But instead they still put my account in Collection. I paid them Once they put me in collection, with the understanding with would be removed, Lets just say that did n't happen. Since paying them its still on my credit report. plus I also called them, only for them to be RUDE to ME
I just filed a complaint # XXXX on the wrong website for with the CFPB. IT was on Saturday XXXX/XXXX/16 and the chat was closed but I was angry about what Chase Bank was doing with my deposit. I deposited a {$50000.00} check from XXXX Hospitals Self Insurance on XXXX/XXXX/16. It was payment for money I had put out due to one of their doctors. When I deposited the check, my bank in XXXX, WV said the check would be put on hold for verification and would be available to me on XXXX/XXXX/16. The my accounts section on Chase.com said the check was on hold until XXXX/XXXX/16. Then I got an e-mail from XXXX XXXX, Senior Vice President at Chase Bank stating the money, MY MONEY, would not be available until XXXX/XXXX/16 and I could call XXXX option 1 which I did and spoke with XXXX. HE said there was nothing he could do because XXXX XXXX, where the check was issued, does not verify. My complaint is that Chase Bank is holding MY MONEY 5 days past the time stated on my deposit receipt. I am having XXXX on XXXX/XXXX/16 and may have a few things coming into the bank before XXXX/XXXX/16 and will now have to pay some things later than expected due to this Senior Vice President deciding to hold MY money for an additional 5 days. This is very disconcerting to me that they have the power to do this to a long time customer.
Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.
Both my elderly parents and I received the following voicemails from M & S XXXX using blatent scare tactics to obtain personal/private information about me. 
" Hello this message is intended for XXXX. I 'm calling today in regards to asset verification to confirm your address and place of employment. I was forwarded some documentation it does verify your name and security number in regards to this process for enforceable review. Please be advised we are requesting for you to sign for and respond to a required demand notice. Before I go ahead and begin the scheduling of your document I wanted to inform you that your processes me an expedited and should commence within the next 24 to 48 hours. At this point in time, with any questions regarding this matter you may contact an advisor directly at XXXX your number with them is XXXX. To be clear, failure to contact them may result in further determinations being made pursuant to state and federal guidelines. You have been officially notified. '' I contacted them to request that they cease and desist with the calls as they were upsetting my parents and when I would not give my personal information, the agent, XXXX XXXX, became very rude and when I asked what it was regarding he said a loan that was defaulted on with XXXX XXXX from 2001. I did not have a loan with XXXX XXXX and even if I had, the statute of limitations in the state of Georgia is 6 yrs so this would be outside of the statute of limitations. I asked him to please send what he is claiming to me in writing so that I can properly refute it and he said " what you will be getting is a demand notice for the full amount which you must pay within 30 days, so good luck with that. '' And he hung up on me.
I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.
XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.
PHOENIX FINANCIAL SERVICE {$490.00} I never used they service never have the account with them I called never pick up the number of the company is from somewhere else. I do some research the company is a fraud
bank restricting cash payment for credit card My nurses aid assists me by doing my errands. One errand is to go to Chase Bank and make a payment for my credit card. I am not allowed to have a bank account by the local DSS ( that provides me with SNAP and MEDICAID. ) Thus my payments are cash. Chase will not accept cash from anyone except me, the cardholder. I explained my physical limitations and why my aid is there with my payments. Chase would not listen.
Why is the bank allowed to discriminate? Cash is cash. They try to offer an explanation about money laundering ( the Federal guidelines allow up to {$2400.00} as not money laundering ) Do I need to start legal action?
USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.
I applied for the Chase Freedom Card and Chase Sapphire Preferred Card on XX/XX/2018 and both of them have been approved on XX/XX/2018. However, on XX/XX/2018, someone from Chase called me, said that they could not approve 2 credit cards. The previous approvement was a mistake. So they closed the Chase Sapphire Preferred Card on XX/XX/2018. However, today I checked my credit report, finding that the Chase Sapphire Preferred Card is shown in my credit report and its status is closed. Since I never used this card, and never activated it, I think the Chase Sapphire Preferred Card should not be in my credit report. Today I called Chase 's customer service, and they told me that they could do remove the card from my credit report. I think it is unfair.
I am writing you today to make you aware of an issue my husband and I are going through. In XX/XX/XXXX our mortgage loan was transferred from Litton Loan Servicing to Ocwen Loan Servicing , LLC . When the loan was transferred, our mortgage was in good standing. Ocwen then added a insurance policy to our mortgage raising our monthly bill up nearly {$400.00} per month. Even though I had proof that we already had homeowners insurance through XXXX, Ocwen proceeded with charging us. They eventually started sending us statements that had outrageous amounts charged onto our mortgage. Shortly after, they started sending us foreclosure letters threatening to sale our property in a short sale. I fought for months and months, calling the company, asking for a loan modifications that they denied several times, I filed complaints with the CFPB ( Consumer Financial Protection Bureau ), I hired XXXX lawyers to assist in the matter and still, nothing was ever fixed. I have proof of every payment that was sent on time and all the complaints I filed with Ocwen and the CFPB. With Ocwen continuing to threaten us with foreclosure although it was not a mistake on our parts, we then reached out to a bankruptcy attorney XXXX XXXX in XXXX, Texas. She advised us in order to get this company behind us, we would be forced to file for bankruptcy. We then filed in XX/XX/XXXX. After filing, we then discovered that Ocwen has a major lawsuit against them ; they have also sent us letters stating that they have established a voluntary claim program to provide payments to borrowers who may have received certain misdated letters. This company has ruined our credit history for the rest of our lives and now we can not purchase a home. When we were forced into bankruptcy we did not mismanage our funds and we did not even have enough debt ; we had to go get a car to create more debt in order to file. This company has taken our home for no reason and now have a lawsuit online " Ocwen, Assurant Near $ XXXX Settlement in Class Action Lawsuit ''. But what about our credit report? We are victims of foreclosure FRAUD!!!!! The foreclosure needs to be taken off of our credit report so that we can get another home for our XXXX children. We recently XXXX. We want her to have a home to call her own. Ocwen stole from us and we did not deserve this at all. We have suffered emotionally, mentally and physically. I was XXXX due to stress. We are not seeking to get money although it would help us recover from the financial strain we went through. Our main goal in this is to get the foreclosure off of our credit report so that we can qualify to purchase another home. No one is listening to our complaints, the credit bureaus are not fixing our credit reports. I contacted the law office of XXXX, XXXX and XXXX and Attorney XXXX stated that he is just too busy to take our case. No one is helping us sir. I know you are busy sir, but we need your help PLEASE! Please take time to look into this issue and help us recover from this wrong doing. May XXXX bless you.
1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.
This Company XXXX XXXX added a collection account to my credit report that is well over seven years old. The date stated that it was opened was XX/XX/XXXX but last reported on XX/XX/XXXX.I have made multiple attempts with reaching out to this company to verify debit.I have called received hold music, email and sent a letter to verify the original creditor. On my further research, This company is NOTOROUIS for doing this to other people. They have open lawsuits as well. I sure the reason why I cant get a reply back is because this company knows that the SOL has passed! I have also reported the issue to ALL 3 CREDIT BUREAUS. 



Your Help is Needed and Greatly Appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX XXXX  XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( XXXX XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other Bureau says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX  after having XXXX XXXX XXXX XXXX I am now a XXXX XXXX  and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
My husband and I currently have a home equity line of credit ( HELOC ) with JP Morgan Chase. It is at the term end, and we decided to renew the line. When I received the information regarding our credit scores, I knew they were incorrect. 

Chase noted they had used Equifax as their credit score provider. I ran both my husband 's and my Equifax scores and found discrepancies between the scores Chase reported and our actual credit scores. Chase reported my husband 's XXXX score as XXXX. The XXXX score I ran was XXXX. Chase reported my score as XXXX. The XXXX score I ran was XXXX. That is a 24 point difference for my husband and a 41 point difference for me. Just as a reference, I also pulled my FICO score which was XXXX, which is still a 27 point decrease. 

I inquired why the scores were so drastically different, and the Chase representative stated they used the XXXX score and then factored in the loan we had yet to take. This means the score Chase reported to us was NOT an XXXX score. It may have been loosely based on an XXXX score with a Chase specific algorithm applied? Although if that were the case, the scores should have been affected equally not a three percent decrease for my husband and a five percent decrease for me. 

Chase uses credit scores to determine interest rates and terms. The differences in credit scores mean a difference in loan terms. An " excellent credit score '' may be prime plus .25 %, and anything less than that may be prime plus .33 %, .50 %, .75 %, etc. That can be tens of thousands of dollars over the course of a loan. 

While this artificial deflation may not affect those people solidly in the center of the credit score brackets, it significantly affects those on the bubble. For example, if the true credit score is XXXX, which is the bottom of " fair credit, '' the artificial deflation would sink the score into " poor credit '' which will garner a higher interest rate or possibly a loan rejection.
XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. 
I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.
My mother-in-law passed away and I was ordered by the court to be the administrator of her estate. The mortgage company, US Bank, had no system in place for dealing with this situation. At the time of her death, the mortgage was upside-down- mortgage for XXXX and house value of XXXX. I attempted to get the bank to agree to a short sale, but they would n't agree to a short sale without an offer to purchase the house. We eventually got an offer of XXXX and attempted to get the short sale approved. The bank refused to even process the paperwork for the short sale because we " had not signed the form. '' The problem is that this form said among other things, that the signer agreed to accept responsibility for repayment of the loan. I signed the form as my mother-in-law 's name with my name undersigned as the administrator of her estate. They would not accept this. One representative told me on the phone that they would not accept the form unless I signed it with my name and my name only as the borrower on the loan! I refused. At this point, the estate was declared insolvent by the state court and closed. Even after the estate was closed and the property surrendered to the bank, representatives continued to call and send bills to my house attempting to collect mortgage payments, in direct violation of the court order!