WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I settled this account has co signer with XXXX  XXXX with a payment amount of {$1000.00} as agreed by the bank a supervisor name XXXX and representative named XXXX at XXXX intheir headquarters location. 
I paid with my XXXX XXXX account and they stated XXXX and XXXX floor supervisors that all credit Bureaus will be updated within 30 days! 

They have been falsely lying since XX/XX/XXXX the date I paid stating the I still old money after I paid them and have receipts, confirmation number, and 100 % proof of payment! 
And keep XXXX my disputes with the three major credit bureaus. 

They lie, over charged me while making payments before I paid them Out and these wrong information corrected immediately.
I am making a complaint against WELLS FARGO HOME MORTAGE COMPANY I have an open investigation with Wells Fargo Home Mortage Company who refuses to fix a error on their part I Filed a bankruptcy and wells fargo was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and WELLS FARGO REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, experian, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX
I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.
BBVA Compass stole $XXXX  dollars as a maintenance fee on their free savings account.  In doing so, they also stole the $XXXX bonus that I was meeting the requirements for on the same account.I requested BBVA Compass' assistance to help fix this problem, but they haven't even bothered to respond to me online, and they keep hanging up on me when I called in the last three times.
Experian said they do not require information from the company reporting the debt but they asked us to prove it? How is that Fair? This account is Not suppose to be reporting on my husbands or my account. Please see the attached letter from my attorney indicating they are not allowed to practice collection activities in the state of NJ. Please remove this item from my report.
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Transunion. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX
Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
Sales Manager keeps asking for same info repeatedly and some info that can not be obtained. Have been supposed to close on the loan for past 5 weeks and still nothing. They have everything I can give and what they have asked for has been sent 2 or 3 times already.
There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my Equifax report with no explanation. I have disputed this again with no luck. I am demanding that Equifax abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!
Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
XXXX/XXXX/2016 while looking at cars on a XXXX lot was encouraged by salesman to apply for car loan while unemployed and anticipating job offer. Offered deal, made down payment pending job acceptance and received truck. Next day advised salesman job offer not made needed to return truck. Received immediate credit denials from major financials XXXX, XXXX, XXXX. Upon contact was originally told by salesman could return truck but needed to speak with sales manager who was out til the following week. Received the run around when trying to contact sales manager on XXXX/XXXX/16 by woman in sales office would need to make XXXX car payments and they 'd allow me to trade out. Unacceptable with no job. Following 2 week runaround truck returned to dealership and has remained at dealership. Received a statement from Santander Consumer Financial that they processed a loan for truck.
Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.
I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. 

At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
My husband and I are unable to work due to an extreme illness. Unfortunately, were unable to keep our home so we listed it for sell with XXXX XXXX XXXX XXXX. Due to the distressed condition of our home, and not able to pay for repairs, we elected to pursue a short-sale. However, my lender has delayed this process for nearly 8 months and still have n't approved it as of today. My Realtor has presented an offer that complied with the market value of our home. The negotiator for the lender will not return emails nor phone calls to update us with a status. We have reached out to their supervisor only to get the same results no response. I was told the contract presented to the lender for short-sale approval has been accepted, and will be submitted to hud for approval of low net based off of FHA guidelines. We have been neglected and very disappointed and stressed due to being treated so unfairly by our lender. I am not sure why this happening, but I am beginning to draw my on conclusion for such unprofessionalism and rude behavior toward their borrowers in such a very distressed and sensitive time. I desire our lender to provide the services that are available to us without prejudice or judgment. Please Help!!!
After receiving Transunion response to my investigation request, claiming that my inquires are " a matter of factual record, '' I called the companies that made the inquires and they told me there was nothing they could do and I would need to open an investigation with you directly. 

Upon getting this very frustrating answer, I did some investigating of my own. What I discovered is that the only permissible purposes for pulling someones credit are : A firm offer of credit Insurance Employment Court Order Since none of the reasons listed above apply to my situation, I am demanding a re-investigation by Transunion ( as is my right according to the FCRA ) and that the inquires listed below be removed from my credit report.

* I have sent 5 letters to Transunion which were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pertaining to these Hard Inquiries removal.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!
I have paid off the debt to XXXX and it was sent to collections to XXXX which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names ic systems had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report
I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.
On XX/XX/XXXX we did a Loan Modification on our XXXX and XXXX Mortgage. XXXX XXXX XXXX was our XXXX Mortgage Company. They agreed to a modified monthly payment of {$100.00}. Sometime in XX/XX/XXXX the XXXX Mortgage was sold to a company XXXX XXXX and we continued our {$100.00} a month payment as agreed. In XX/XX/XXXX or XX/XX/XXXX XXXX change there name to Shellpoint Financial. In XXXX XXXX we were reviewing my Credit Report and found we have late payments reported by Shellpoint. ( It should be noted that during all this time we continue to make our agreed payment of {$100.00} a month ). We contacted Shellpoint and after several calls without getting anywhere and wanting to remove the late payments from my credit report we sent them an extra payment of {$300.00} in XXXX XXXX and extra payment of {$200.00} in XXXX XXXX. This extra payment were made because Shellpoint refused to help us in anyway or explain to us why we had late payments on my credit report. On XXXX XXXX, XXXX I checked my credit report again and found out that there are still several late payments. I contacted XXXX and spoke to XXXX XXXX and she refused to work with me or explain why this happen. I have tried hard to clean up my credit report and I do not feel that is right that they are showing a late payments when we have made our agreed monthly payment since the beginning of the modification. The Following breakdown of payment for the last 12 months of my bank records as follows:XX/XX/XXXX - $ XXXX - $ XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXBecause of there errors it 'll affect my ability to buy a new home or obtain any credit. Any help you can gave me regarding this matter is greatly appreciated.
I attended the XXXX XXXX in XXXX XXXX and the XXXX XXXX in XXXX, resulting in over $ 100k in student loans. I believe this to be fraudulent since I was never told of this amount and the school is currently under investigation for fraud from the US Dept of Justice. 
But today my complaint is about XXXX XXXX/Navient. 
I suffer XXXX and was unable to find employment. I qualified for a XXXX Discharge. 
Recently, this year of 2015, the XXXX XXXX XXXX and the Federal Government have granted my XXXX application for over $ 60k of the overall student loans. It took four months to process my application. 
Navient XXXX XXXX XXXX XXXX have denied my XXXX application for the past two years for $ XXXX in Private loans. 
They continued to send me bills during the review process. Both Navient and XXXX XXXX have told me that there was no XXXX discharge for the Private Loans when I had the very forms in my hands. 
Navient told me that the insurance company that evaluates my application makes the final decision. When I called the insurance company they told me that Navient makes the final decision. 
Even after Navient learned of my XXXX approval from the Federal Government, they still denied my application. 
I believe that Navient will never approve my application even though I had a XXXX fill out the XXXX application more than once. I no longer trust this company and am unsure how to act. After I read of the possible lawsuit and the complaints from other borrowers being cheated and overcharged, I decided to submit this complaint for assistance. 
I am filing this complaint for further assistance and hopes of resolving the matter. I can provide documentation of my XXXX approval from the XXXX XXXX XXXX XXXX and the denial letters from Navient/XXXX XXXX as well as personal documentation.
CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES
XX/XX/XXXX I purchased a XXXX XXXX XXXX from an auto dealership in XXXX, AL. It wasnt until XXXX I found discrepancies in regards to the Retail Sales Contract ( Forged Signature ) that I am held to currently and the interest rate followed by the loan terms. In XXXX I began my journey of cleaning my credit, and it was at this time I noticed that my loan terms were 80-81 months, my Intrest Rate was 21.07 % and through my transaction history via the Chrysler Capital website I found that the majority of my payments went to Intrest and fees and hardly any to the principle balance. I have also noticed a trend in the company reporting incorrect amounts due to the credit reporting angencies. Concerned about the findings I requested a copy of my contract along with the XXXX-XX/XX/XXXX billing statements because I could only see statements preceding that period. I was told that the company had no way of accessing those statements and they could not provide such and that my contract would be mailed and in receipt shortly. A few days passed and I inquired about the contract again and was told that they would send another copy just in case. A little after a week I received the Retail Sales Contract during which time it was only one sheet and this contract stated loan terms of 74 months & {$460.00} beginning XX/XX/XXXX ; 1 month & {$440.00} Final Payment Due XX/XX/XXXX ( I am in receipt of the original ). A few days later I received a second contract with the arbitration as well but this contract state 75 months of {$460.00} and no final payment due and I noticed that the signatures were slightly in different places and my signature was not that of my own. Each document has a typed date stamp, and when I look over all documentation that I have I am led to believe that everything typed was done after the fact. I would have never consciously agreed to pay in total more than half of what a vehicle is worth especially when the vehicle traded was paid ( no monthly payments ) and in great working order. I am lead to this conclusion not only because of the credit reporting agencies are stating whats reported to them directly by the company ie. Loan Terms and APR but looking through my documentation, some documents have a date of XX/XX/XXXX and others XX/XX/XXXX. I made only one trip to the dealership at which time I had a witness and there are too many discrepancies to suggest all documents were provided at the time of purchase because they would have raised red flags for myself as well as my associate. I do know that the requested years statements would prove that the monthly payments changed especially in the beginning.
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and equifax and XXXX  and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.