WillisBack/dataset-financial-user-claim huggingface dataset:
As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information.
Mr./Ms. XXXX : I am in receipt of your letter dated XX/XX/XXXX. This letter serves to inform you that I dispute the validity of the {$19.00}, XXXX debt alleged by New York State for the following reasons : - My accountant has twice submitted the tax returns in question to New York State ; the original tax due was {$9500.00} and New York State collected a payment in XXXX of {$3600.00}. New York State did not apply the payment to the tax due, therefore applying it in the most disadvantageous way possible to me - New York State Tax & amp ; Finance has been completely unresponsive to my efforts to settle the tax debt for a reasonable sum. They have refused to communicate with me or my accountant and claim, despite assessing the inaccurate, usury sum owed that they are unable to locate my filed returns - I contacted the New York State Taxpayer Advocate for assistance due to the Tax &  amp ; Finance Departments lack of cooperation. They sent me one letter but refused to return multiple phone calls from my attorney and I seeking to provide additional information - The penalties and fees included in New York States assessment are not only usury but violation of the Eighth Amendments protection against excessive fines I am retaining counsel to challenge this matter in state court. I am also, today, filing a complaint against your company with the Consumer Financial Protection Board. Your company contacted me after normal business hours at XXXX XXXX on XX/XX/XXXX. Be advised you are not authorized to contact anyone but me to discuss this alleged debt. You may contact me on at XXXX XXXX during regular business hours of XXXX XXXX and XXXX XXXX Eastern Standard/Daylight time. 
If Performant and New York State are interested in quickly resolving this matter, I will agree to pay {$6500.00} within 30 business days if Performant and New York State release me in writing from any further fines, penalties, liens, warrants and/or collection attempts.
I filed a police report and PayPal keeps harassing me to pay. Now they have given my case to XXXX XXXX XXXX and it is hurting my credit report.
I got a postal mail offer from Walmart to open and use their store credit card with several discounts for online use. i filled out the response letter and sent it back through the united states post office with my pre approved confirmation code stated on my return document and several months later i get a letter saying they could not grant my request because i had asked for credit from there company too recently, but that was not true i only submitted one return response to open a credit line with Walmart. i see on my credit report that walmart sent a hard inquiry on my credit report inXX/XX/XXXX and also again on XX/XX/, they made a mistake where they " charged '' my credit twice for one inquiry.
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per XXXX opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my XXXX from the secretary of state which shows i have no lien placed against my name.
I have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX  report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.
I returned the item but against the creditors repo of a late item it was sent back to me without a new account agreement. It may be a fraud report because Iake the item and computers. Or someone using XXXX logo. The late fees were not my responsibility but I paid the remaining balance.
I applied for a XXXX XXXX modification on XX/XX/XXXX and on XX/XX/XXXX I was approved during a Bankrutpcy Chapter XXXX in which I filed on XX/XX/XXXX. The loan modification that was approved and implemented did n't support my financial hardships and a mortgage payment of {$1700.00} back on XX/XX/XXXX should have been around {$1200.00} with all property tax and home insurance included. Also all property tax and loan fees escalated the mortgage payments to {$1800.00}, {$1900.00} {$3000.00} as I received statements from lender. On XX/XX/XXXX another XX/XX/XXXX modification application was implemented, but it appears that a denial will be in place.The lender investors does n't want to lose money and they are going to lowered the mortgage at {$1200.00} with property tax and home insurance included. The present principal is around {$380.00} and interest {$890.00} with a interest rate at 4.12500. Why is so hard for lender investors to accommendate military veterans and citizens on XXXX XXXX and XXXX? Investors and lenders makes billions of dollars from military Veteran and Consumers. I put my home for sale with a XXXX XXXX Real Estate Agent on XX/XX/XXXX and reduced the sale price from {$340000.00}, {$280000.00} and {$270000.00} because the sluggish sales market and Real Estate home sales downgrading to 12 percent in the areas of XXXX XXXX. Also new construction home builders are making my home sales very tough because they are giving incentives of closing cost paid and many other benefits incentives in XXXX, Texas. I am going to dismiss my Real Estate agent and remove my home from the XXXX. I am going to stay in my home and hope that my XXXX XXXX modification and mortgage is reduced to affordable payments.
I upgraded my TD bank credit card to TD cash as part of a promotion. According to the promotion if I spend {$500.00} in 90 days, I would receive {$150.00} back. I spent the {$500.00} within the 90 days but then it turned out one transaction did n't go through properly resulting in {$470.00} spend for the allocated 90 days period. I tried contacting TD customer service 3 times and every time I was promised a supervisor will get back to me but no one did.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.
XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only h ave one nu mber that is legit and that is  XXXX   XXXX
Equifax was breached and all they are offering me is better fraud detection. My information can now be sold like an amenity. This is unacceptable.
Secured credit card with Discover, Paid {$1000.00} security deposit. Account closed by Discover and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.
these debts were discharged in bankruptcy. It is on my credit report as a collection and it should be deleted from all XXXX buearus.
I started receiving calls from Amsher XX/XX/2016 in regards to an alleged debt owed of {$840.00} to XXXX. I have no idea what was going on so I sent several of disputes in regard to this beginning XX/XX/2016 until now. They were reporting to XXXX and XXXX of this debt. In an attempted request for validation since XX/XX/2016, Amsher has failed to send me any proof of validation notification of this debt. Amsher removed information reported to XXXX in this case but still continued to report to XXXX currently.
on XX/XX/XXXX I got an offer in the mail by my crated card company. A blank cheek and no interest for 18 months on XX/XX/XXXX I cashed {$3000.00} thin in XX/XX/XXXX I cashed out a another {$2500.00} Now I cant pay and I fill I was taken advantage of for.
XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Equifax exposed my personal information without my consent, as part of their recent data breach. In addition, they dragged their feet in the announcement of the report, and even allowed their upper management to sell off stock before the announcement.
I have XXXX house located at XXXX XXXX XXXX XXXX FL XXXX, I do not have any mortgage with Bank of America, the house is a construction built, first Bank of America refinance the house in their own and work away without give a cents, when I fought the case in court it sold the house. My lawyer make a deal with the bank and share the money together leave me without nothing. What bad in me, my lawyer told me I 'm a XXXX man no justice for me.I want known if this kind of abuse is right. My contact # XXXX XXXX XXXX If you need more prove I can get the papers from the lawyer and Fax to your attention
I HAVE THE XXXX  CREDIT MONITORING MEMBERSHIP THAT I PAY FOR MONTHLY AND I NOTICED ON MY XXXX  REPORT (CBE GROUP  XXXX XXXX XXXX XXXX IA XXXX  PH#XXXX)(XXXX XXXX ON MY CREDIT FILE. STATING THAT THIS ACCOUNT WAS OPENED ON XX/XX/2018, WHICH IS TOTALLY NOT MY ACCOUNT AND I HAVE NO IDEA WHO DID THIS. SO I IMMEDIATLEY CALLED CBE GROUP @XXXX SPOKE W/ REP THAT WOULD NOT HELP ME. I SIMPLY ASKED FOR THE DEPARTMENT THAT HANDLES WHEN INCORRECT INFORMATION SHOWS UP THAT IS NOT MINE DID SHE HAVE A CREDIT VERIFICATION DEPARTMENT OR A FRAUD DEPARTMENT EMAIL/AND OR FAX # SO THAT I CAN SUBMIT A COPY OF MY EXPERIAN CREDIT REPORT ALONG W/MY DRIVERS LICENSE AND SSCARD TO PROVE THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER GONE BY ANY OTHER NAME OR LIVED AT ANY OTHER ADDRESS OTHER THAN THE ADDRESS LISTED ON MY DL. THE REP TOLD ME THAT THEY DO NOT HAVE A DEPARTMENT LIKE THAT! THEN THE REP ASKED FOR MY SSN AND TRIED TO USE TRICK TACTICS FOR ME TO AGREE THAT THE ACCOUNT IS MINE. I TOLD HER THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER HAD THESE SERVICES. THE REP KEPT ASKING ME AND I KEPT SAYING NO! PLEASE PROVIDE ME WITH THE FAX# AND OR EMAIL JUST SO I CAN SIMPLY SUBMIT A LETTER AND PROVIDE THE DOCUMENTATION PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! THE CUSTOMER SERVICE REP PLACED MY CALL ON HOLD NUMEROUS TIMES AND TOLD ME THAT THEY DO NOT HAVE A FAX#, AN EMAIL ADDRESS, OR A MAILING ADDRESS THAT SHE COULD PROVIDE TO ME. AND SHE SAID THIS IN A VERY NASTY WAY BECAUSE I WOULDNT SAY THE ACCOUNT WAS MINE, IT IS NOT!. I IMMEDIATLEY SEARCHED THE WEB AND FOUND COUNTLESS CUSTOMER REVIEWS ABOUT CBE GROUP & XXXX XXXX/XXXX XXXX  STATING HOW THEY USE TRICKY WAYS TO PLACE THINGS ON YOUR CREDIT FILE AND WILL NOT OFFER YOU ANY HELP TO REMOVE INCORRECT ITEMS. I ALSO SAW A REPORT ON A CLASS ACTION LAW SUIT AGAINST THE CBE GROUP AND TERRIBLE REVIEWS FROM THE "XXXX" LISTED. BUT I THEN CAME ACROSS THE NAME OF XXXX XXXX   (CHEIF ADMINISTRATIVE AND INFORMATION OFFICER aka:cheif client officer) I CALLED HIM TODAY @XXXX AND HE DID NOT HELP ME BUT ROUTED ME RIGHT BACK INTO THE DIRECTION OF THE XXXX NUMBER EVEN AFTER I EXPLAINED ALL THAT I HAVE JUST BEEN THROUGH WITH THE TERRIBLE/RUDE CUSTOMER SERVICE HE TOLD ME THAT HE WOULD NOT HELP ME!. HE TOLD ME THAT HIS COMPANY DOES NOT HAVE EMAIL AND HE WOULD NOT HELP ME WITH THIS, I VERIFIED HIS EMAIL FROM THE "XXXX" IS (XXXX).
On XXXX/XXXX/17 I applied for a job working with XXXX. The company ran a Confidential Background Screening report on me. Within the next few days they told me that based on the information they received from Sterling Talent Solutions, they could not invite me to work for their company.
I did receive a copy of the report and it does state that the length of my XXXX XXXX was 46 Years, not 46 Months like it should. This is a huge mistake and I would like to know where they received their information from because I spoke with the Attorney Generals Office and they recommended that I write to your company to fix this information because in all their reports it states 46 Months, not years.
In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015
Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.
I went online to the site where you order your free yearly credit reports, as required by law. Both XXXX and XXXX complied immediately online with no problems. Experian, however, did not, and has yet to provide my yearly credit report. Additionally, I have gotten at least XXXX negative credit rejections within the past 4-6 weeks, all based on information provided by " Experian '', of course, so I can not even see what they are reporting. This is unfair, and they should have to comply the same as XXXX and XXXX. Please help me get my credit report from Experian. 
Thank you for your anticipated assistance, Sincerely, XXXX XXXX XXXX
Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )
I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.
Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on my credit report.
Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender.

In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.
I made a large lump some payment {$70000.00} to my loans after I had spoken to Navient customer service on 2 separate occasions to confirm what my monthly payments would be. Both time I was informed that after my {$70000.00} payment my monthly payment would be about {$260.00}. After the payment was processed, I was then informed that my payments would be almost {$300.00} a month. This $ XXXX difference is about {$10000.00} more over the life of the loan. I feel that I was given incorrect information on 2 separate occasions and now will be paying {$10000.00} more then I was told. I would have strongly reconsidered making this large payment if I had known the correct info.