WillisBack/dataset-financial-user-claim huggingface dataset:
Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
OCWEN did not send required letter DENYING loan modifications.      XXXX  loan modification package was submitted by  XXXX  in  XXXX   XXXX  to OCWEN. Prior  XXXX  's sent in  XXXX  to OCWEN by  XXXX  my
Portfolio Recovery calls at least once a day for the last XXXX years. We 've told them years ago to quit contacting us.
I have written dispute letters to XXXX, XXXX and TransUnion in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Throught all of the delays with Chase, I had to file bankrupcty to stop the foreclosure of my home. I should not have had to do that. Problems with chase has been on going for years and all I want to do is leave the property. At first they gave me a hard time about trying to keep the property and now that I want to leave, I am still getting a hard time. Every time I contact Chase or receive mail from them, they tell me something different. I received 2 letters datedXX/XX/2018 where in one letter, I got assigned a new relationship manager who said she will be in contact with me. I dont recall speaking to her. The other letter, which is the real reason why I am writing, states '' we can't consider you for mortgage assistance because we didn't receive your initial request by the required number of days before the scheduled foreclosure sale. If the foreclosure sale date is pushed back by more than than this required number of days, we '' ll continue to review your request for mortgage assistance. '' This is nothing buy lies. I turned my mortgage application in on XX/XX/2018or so. Chase didn't review it. They chose not to. Now they are sending this to me after the fact to try to cover their butts again. I have made it known many times that I am always being told different things, which has impacted how I have proceeded in my case.
XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done.
I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls
Citi Bank had an offer that on opening a new account and depositing {$15000.00} or more within 30 days and maintaining the balance more than {$15000.00} for 60 days ; they would give {$400.00} bonus and it will be added to the account within 90 days after all the requirements are fulfilled. 

I opened the account around XX/XX/2018 and deposited more than {$15000.00} on XX/XX/2018. I maintained that balance for more than 60 days ( for more than 5 and half months as of now ). So, I have fulfilled all the requirements of the offer and Citi bank has also confirmed that. I should have received {$400.00} before XXXXXX/XX/2018. However, as of XX/XX/2018, I still haven't received the {$400.00} bonus amount. 

I contacted the bank multiple times and have opened a ticket for more than 2 weeks now as well and they still haven't resolved the issue or provide any further update on the issue. They still don't have a clear timeline when I will receive the bonus amount.
I was making payments to Wells Fargo for a store credit card I had gotten through XXXX XXXX. I purchased the chair in XXXX of 2015 and started making payments the following month. I made all payments by logging on and manually making payments. XX/XX/2015 I decided Autopay would be better so I signed up. I thought it made a payment for XX/XX/XXXX because in my bank statements the transaction shows as an ACH transaction so I did not look at the account again until I was notified in a letter from Wells Fargo that I was 2 months behind on payment and that the account was closed. I had no prior contact from them via email, phone call, or text. ( see attached Statements JPEG of account messages ) I had no idea the autopay did not work until it was too late. I caught the account up after I was notified, via letter, and called Wells Fargo myself. I thought all was well until I had applied for a car loan and noticed my credit score dropped XXXX points!!! Wells Fargo made no effort to alert me that my account was delinquent ( see Statement JPEG and if they had looked at my payment history they would have seen that I made my payments on time and should have made a better effort to alert me. I would have taken care of it then, instead of ruining my credit score for a simple misunderstanding. I am an honest customer who made his payments and I do n't feel like my credit should be ruined because of this mistake. I can understand a late fee and having to report that, but an account closure is absurd! 
I contacted Wells Fargo and attempted to get them to rectify the situation but they did not even take a statement from me or ask about my side of what happened and then I get a letter in the mail about the situation and she did n't even try to rectify the correct issue. I just want this account closure stricken from my credit record and my credit score to reflect that. This was just a misunderstanding and they made no effort to help whatsoever!
We currently have a loan through XXXX. Because we wanted a by-weekly payment plan the loan payment is handled through XXXX XXXX XXXX XXXX. ( Formerly known as XXXX ) When we contacted them because we had no record of them deducting our payments, they told us that payments were being made on schedule. We asked for a statement and were told that they ( eq.accel ) do not provide statements. Tried to register online and cooincidentally we ca n't register our loan. We smell a " Rat '' and are asking Consumer Finance Bureau to look into this. Are they not required to provide a statement or method of record keeping on payments being credited to our home loan? BTW we would never do business with XXXX again. We experienced nothing but grief at a number steps. Not because of our house value or credit history but their " we do n't care '' attitude.
After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis.
My parents have been paying on a mortgage loan on a double-wide trailer for approximately 20 years. The principal balance of the loan has barely decreased. The loan was originally supposed to be a closed-end loan that reduced principal and interest. I am their son and when they took the loan out I was in high school. I 've since been in the financial services industry for 10+ years. My parents have paid faithfully although maybe had a few payments made behind over the years but have always paid. Recently my mother had a XXXX and my dad 's health has declined as well. Their income has reduced significantly since the loan originated and they have fallen behind. The mortgage company, Di-Tech, is threatening foreclosure and recently came to their house to take pictures. In my opinion, a threat to scare them into paying. They call my parents continuously and have both my parents afraid they are going to lose their home. My mother and my father are still recovering. The representatives are rude and show know empathy towards my parents.
I am a XXXX veteran who was seeking loan forgiveness due to a service connected XXXX. I was instead directed into a loan consolidation. I am unable to make loan payments based on my lack of sufficient income due to my service connected XXXX. Also, I never had any loans while attending the school that is listed on my loan.
The Chase XXXX was discontinued on XXXX and converted to a Chase XXXX card. A rewards perk with the XXXX card was a free nights stay with a spending amount of {$12000.00} a year. In a letter sent to me, it stated that the limit would be reduced to {$6000.00} in order to receive the free night certificate. I have met this requirement and have called in to Chase to both confirm this and to inquire when the certificate will post. The representatives I have spoken to have limited knowledge on this conversion and I have spent a good amount of time on hold only to get vague information.
A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.
American Express that I signed up for because it made it easier to shop at XXXX, has repeatedly overcharged interest. I finally decided to cancel the card, called for the payoff, wrote a check for that amount and sent it that day. They cancelled the card but they are now charging {$9.00} on no purchases and saying that I owe interest on previous charges.
My loan has an interest rate of 27 % never disclosed to me.Care Credit is initiating loans at 0 % only to backload a 27 % charge if not paid within 12 months. They are sourcing cheap XXXX and XXXX like XXXX XXXX XXXX of XXXX
Back in XXXX XXXX 2017 I enrolled in online courses with XXXX University 's online division. My financial aid was denied and I was told my classes would be dropped to avoid a charge. One of the classes was never dropped like it should have been and now I am being charged for said class
I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in this matter.
I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.
I have mailed the same requests several times to Experian to no avail.

To : Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if YOU are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. And dont continue to keep putting these back on my credit if you cant validate the legitimacy of these companies. I prepared to take this to court, if I continue to have problems. 


I demand the following accounts be verified with contracts and my signature or removed immediately. 

Name of Account Amount Provide Physical Verification Diversified {$110.00} Unverified Account Diversified {$990.00} Unverified Account Fair Collections {$920.00} Unverified Account * Requesting that you remove all non-account holding inquiries over 30 days old. 
* Requesting that you add a Promotional Suppression to my credit file. 
_______________________________________________________ I dont know the above accounts, nor have I ever had contracts, or business with the above. Out of the 3 agencies, Experian is the most difficult to deal with. They don't follow the federal laws. They have been contacted numerous times to no avail, only additional XXXX of additional paperwork, to which, documents have already been fully supplied to Experian. 

My next course will be to file suit for {$10000.00} in my county for failing to provide the required documents and protection of my consumer reporting file. 

I want them to send me SIGNED CONTRACTS for the above companies. I want my account blocked as requested. Im not sure what they don't understand. 

I send copies of my social security card, drivers license, banking information, police reports, police offer badge # and the discrepancies at hand in copies. 

Tired of playing games with Experian. COURT!!
I did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX
Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all
EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.
Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.
I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.
Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks
I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!
Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.