WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
I'm divorced XXXX I had a joint mortgage with XXXX they released me XXXX it was sold to XXXX XXXX then sold again XXXX to Select portfolio services ... ..XXXX Select Portfolio Services is now recording his loan on my credit ... .XXXX is out of business XXXX will not talk to me, because I'm not on the loan, but I was able to get a letter of release from XXXX, SPS will not honor it. SPS says the former banks did not know what they were doing and have be mistaken since XXXX. 

From what I understand, is that my X husband is the successor because the house was given to him in our divorce decree and when you do a modification after divorce you become solely responsible. My name is not on the Loan Modification and I did not need to sign the modification because the home belongs to him along with the promissory note. I also read that a loan modification is consider an assumption. 

Please help me, I just tried to help my daughter to get a loan for a car and we were turn down because of this error. We will try another bank Thank you for your time in this matter. 

XXXX XXXX
Th e Money Source c ontinues to report our  XXXX  payment as over 30 days late. I have paper statements proving that the payment was made and posted on  XXXX / XXXX / 16 . Clearly, the payment was less than 30 days late. T he Money Source agrees that it is incorrect and I have emails from the Vice President stating that,  however, every month it is changed right back to being delinquent.
I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report
i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.
This Short Sale has been in process for over a year and has been delayed by OCWEN, not I, XXXX XXXX XXXX. 

I have put a tremendous effort in order to complete this Short Sale and am determined to complete it and leave on my own volition since it has been my family home for over 50 years. 

I have attached the new contract with the existing cash sale for over a year and the corrected Settlement Statement in order to expedite this Short Sale in 30 days or less. 

Please note OCWEN keeps putting off the Sale for only XXXX XXXX on the Settlement Statement and before that an " e '' was missing from the word Street on the physical address. 

Please help us reach a solution.
I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,
Email exchange : I thank you for your help, however. Not 100 % well. Would love to get this over with. 

But I had questions regarding a money transfer I made and how the terms which affected my thirty day grace period to pay in full every month were not explained. I requested they reimbursed me for the cost of the money transfer since I paid it off as soon as I realized what was involved. They didnt. So in essence they would be charging me interest in the balance transfer and the new purchases every month on my main credit card. They also had run a hard credit check when I was supposed to have been pre approved this affected my credit score. 

Very devious predatory behavior. I am hugely disappointed by Chase and regret having changed my account. That woman XXXX was unable to deal with all the issues I brought forth. 

Instead, I started getting one letter after the next from the bank without any contact name. Its just predatory hard business dealings with a regular decent customer. They are deceitful. They send you lawyerly letters instead of having a person call you. Its an awful bank which should be regulated. 


On XX/XX/2018, at XXXX XXXX, XXXX <XXXX> wrote : Thank you for your help! I am feeling somewhat better and I am acquainted with that XXXX but continued to receive conflicting and confusing information. I could not reach her. Shes very robotic and not helpful. In general, theres no one at the banks phone end who is actually helpful and polite. She called me when I couldnt discuss the issue right in the middle of a funeral. Could not make an appointment. I dont feel theres anyone really doing anything and despite my aggravation they expect you to put up or shut yo. That is the opposite of what I would expect from the sort of leadership ( XXXX ) who goes on TV to talk about giving back. Mig. 

On Wed, XX/XX/2018 at XXXX XXXX XXXX, XXXX <XXXX XXXX XXXX> wrote : Hi XXXX  , I hope you are feeling better. I apologize I missed you at the branch yesterday however I did receive your letter. I forward a copy to our Executive Office and expressed your concerns with the follow up and to have only one person contact you at your preferred number. I verified the contact info and XXXX will be contacting you. I am out of the office for the remainder of the week, however you can reach the Executive Office directly at ( XXXX ) XXXX. 



Thank you kindly, XXXX XXXX | Chase | Branch Manager | NMLS ID : XXXX | XXXX XXXX XXXX XXXX, XXXX, CA XXXX | XXXX XXXX XXXX | T : XXXX | XXXX XXXX XXXX XXXX | XXXX | T : XXXX | -- XXXX XXXX
The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.
In late spring XX/XX/XXXX I got behind on my car payments with my XXXX acct # XXXX because I had taken FMLA to take care of my terminally ill mother. XXXX XXXX  put my car up for repossession. I contacted XXXX and spoke with someone named " XXXX '' ( phone number XXXX ) around the XXXX XX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to XXXX XXXX. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that XXXX XXXX   was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted XXXX to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me XXXX is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call XXXX again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX      XXXX   and Experian will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
XXXX   XXXX ,  2017 I pa id off my mortgage wi th Loan Depot, m ortgage account  XXXX   Loan Depot had 90 days to provide me with a mortgage release documents, releasing me from an y liens against me and my house. As of today,  XXXX   XXXX ,    2017 Lo  an Depot ha s not provided me with the release documents. I have sent several emails and each time I get a response that they are going to provide this document and that it has been escalated, but to date no one has provided me with the proper document stating I am released from the mortgage. This document is needed should I ever want to sell my hom e. Loan Depot is not legally entitled to have a lien on my house since the loan has been paid off in full. There never been pen alty for late payments, I have always paid on time. This company is not responding to my requests to get my affairs in order..   I would appreciate if someone would force this company to provide me with the appropriate document. I am not sure how they can avoid sending me this document, I presume there is a law they have to do it within a certain amount of time. Well it has been 6 months since I paid the loan off. I would think my documents are long over due.   Thank you for your help.    XXXX   XXXX   XXXX
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires
JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender. 
This complaint is frankly for the sexism I 've experienced from credit score companies.
I had outstanding state taxes due to the Georgia XXXX I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The Equifax credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Equifax Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Wells Fargo is more than doubling my mortgage payments on a rental property than I have been paying them for XXXX years on time every month. They found out what I 'm charging for rent, so they are trying to make my payment the same as the rent. They told me they do n't care if I am not making any positive on the rental. Why would I keep a property with no monthly income?
I filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.
Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.
Who : Unknown. I do n't know who opened the credit card without my authorization What : Victoria Secret Credit Card Where : In  XXXX  Indiana When : The credit card was opened      XXXX   XXXX   XXXX   Why : Unknown How : It was opened electronically Company : Victoria Secret A Purchase : The purchase was made on   XXXX   XXXX   XXXX   Bala nce Accumulated : {$330.00}
My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.
IMy car a XXXX XXXX XXXX was financed for {$7000.00} by XXXX XXXX XXXX. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe XXXX XXXX   XXXX nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel XXXX XXXX XXXX is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. Mr. XXXX XXXX
In 2015 I entered into an agreement with XXXX XXXX XXXX. 

They took over payments for my accounts, one being my XXXX card, by XXXX - XXXX XXXX XXXX XXXX. 

Upon XXXX taking over payments, the account was current, never in collections or anything of that sort. 

XXXX did not provide any concessions such as reduced APR, reduced payments, etc. Simply XXXX took over my payment, on my behalf. 

The account was paid in full and on time. 

Once XXXX paid off the account, 6 months later, XXXX put a narrative on my equifax credit report titled " Paid by Financial Management Program '' " Paid Collections '' The " Paid Collections '' should not be there as I was never notified, nor was XXXX  that the account was or would be placed into a " collections '' status. Not to mention, I still received regular statements from XXXX reflecting a current account with payments. 

The portion that states " Paid by financial program '' is accurate, however, the latter is not.
After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.