WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the accuracy of my credit report to Transunion, XXXX, and XXXX on XX/XX/XXXX again XX/XX/XXXX And again on XX/XX/XXXX. There are reports of 2 bankruptcies and a collection from a company named portfolio recovery, that are not reported accurately and are not mine. Each time I disputed these items the credit reporting agencies said they were verified, I requested them to send me proof of signature or account numbers to verify the validity of these accounts being mine and their response was they do not have to send me proof that they verify item through automated service. I told them I do not consent to XXXX   or any other automated service because that is not proof of validity. This has caused a serious threat to my credit and livelyhood. I contacted the U.S. bankruptcy court and they said they do not verify anything to the credit bureaus. It is a violation under the fair credit reporting act to put derogatory marks on my credit report without verifying that information. I have made several attempts to rectify this situation. After filing this complaint pending outcome I will file a small claims suit against these 3 credit reporting agencies for defamation, negligent enablement of identity fraud and violations of the fair credit reporting act.
Experian cancelled their XXXX app called XXXX XXXX with no warning but continue to bill for the service. You can only cancel by phone and the number is fully automated but does not recognise that i have an active membership. Both Experian website and bank statement show I do. Attempting to cancel through the social media team but am getting the run around and they are attempting to sell me on new upcoming services. I have already been charged for a service i could not receive i want to cancel my membership with them.
We have a fixed mortgage on our home - we have always paid out mortgage on time and always online via the web portal of the financial institution that services the loan ( previously XXXX ). Recently our mortgage was transferred to another financial institution and the servicing of the mortgage was transferred to CENTRAL MORTGAGE COMPANY. 

We received details in the mail from CENTRAL MORTGAGE COMPANY how and where to make our new monthly payment. We followed directions on their website WWW.CENTRALMORTGAGEONLINE.COM as to how to make the monthly payment. We set up our account but they want us to pay {$5.00} per month as an additional charge for the 'convenience ' of making the payment online. Principal + Interest + their $ 5 monthly fee. 

In the past 16 years since we have been paying our ( various ) mortgages with different banks and servicing companies - we have never had today more than the agreed amount of the monthly mortgage payment. This is a bogus and erroneous charge and with add {$60.00} per annum to our payments and {$900.00} over the lifetime of the remaining balance on the loan. 

I called CENTRAL MORTGAGE COMPANY direct to see if there was a way to resolve this and they advised it was their policy for internet / online payments. 

This is price gouging - we have never been charged a fee previously by our original lender or their servicing company. 

Can you please investigate this as CENTRAL MORTGAGE COMPANY is unwilling to waive this charge. 

Thank you.
On XX/XX/XXXX, a payment of {$340.00} was automatically withdrawn from my checking account despite my withdrawal of authorization for automatic payments.
Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX  is not responding to my correspondence.
In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,
I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX  XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!
spoke with Premiere collection agency -spoke with XXXX XXXX -a representative who claimed that was her name. She was very rude and also hung up on me. This is not proper servicing of student loans and a consumer should never be hung up on. This representative should go back to training and learn how to properly service student loan consumers per the dept. of education Statement of Work. They have sent documentation to my representative and now state that they can not speak with them. This is holding up my process for resolution and causing more financial hardship. This agency does not deserve to be working student loans.
Tried to get my free report from all three companies. XXXX XXXX XXXX were no problem. TransUnion would not let me see my report because the incorrect information in their file results in my answers to their " identity verification '' questions disagreeing with their erroneous data. A phone call basically resulted in a sales pitch for multiple services, none of which I need or want. I want to correct the info but they wo n't let me see my report! Examples : 1 ) What model year is your XXXX? I do n't even OWN a XXXX! 
2 ) What county have you lived in? My answer was " none of the above '' because none of the counties applied to me! 
There were a few others, the reult of which was I failed to prove who I was. I want to correct the data but I need to SEE it and they refused. This is unacceptable! 
Thank you for listening!
I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT REPORTS:XXXX XXXX XXXX, XXXX , CA XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX
Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again CITI.
XX/XX/2018 submitted a dispute letter to the collection agency XXXX XXXX who has failed to validate the debt or ownership of the account ( original creditor XXXX XXXX XXXX ). After Midland had not updated to the 3 CB in over 6 months, XXXX XXXX XXXX reported a derogatory mark on my credit. The collection agency and the original creditor are claiming the debt, duplicate reporting for the same account. Midland has failed to verify they own the account and XXXX XXXX XXXX has closed/charged off the balance
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. Experian and XX/XX/XXXX continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXXr of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX : I was never late ( send a letter to XXXX for my statement and all details and they never reply?? )
The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. 
The number to this agency is XXXX
I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
This should not have ever been reported as a repo -- the account was less than 30 days delinquent at time of repossession -- at some point the account went 45 days delinquent - the account was brought current but they forgot to remove the repo order ( per the representative ) but because it was repossessed the only way for me to get the motorcycle back was for me to pay the full balance which I dont feel was fair -- now it shows a invailid deficiency balance -- the motorcycle company feel that it should not be repossessed but they cant do anything s
I was using card, after all cards were checked for activation, but when i got to register it was closed.
Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money
I have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.
PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.
On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.
I submitted a complaint previously. Please refer to XXXX # XXXX. Please note all documents have previously been submitted to CFPB. 
Neither financial Institution XXXX XXXX or Citizens Bank have resolved this issue to date. Two insurance checks were stolen and the funds have not yet been returned to me. The individual that stole the checks have basically gotten away with fraud and thievery.
Ditech the loan servicing company sent me a letter stating my mortgage payment had changed to a lesser amount. I in turn changed my payment amount according to the letter I received. Ditech told me the letter stated I change the payment on XX/XX/XXXX. I called to verify the correct starting date and understood it to be XX/XX/XXXX. I received a notice that my credit score had changed because Ditech had reported a late payment. Also I got charged a late fee. I requested Ditech to resend me the letter stating the payment terms. I have n't received the letter. I received a Email stating the issue has been resolved but in fact they are still charging me the late fee and reporting late payment. The amount I sent to Ditech covers my mortgage payment. the extra amount goes into an escrow account for my property taxes which is an elective amount at my discretion.
I co-signed with my mother on a loan for a trailer. It was only XXXX loan at XXXX per month we have only managed to pay XXXX toward paying off the mortgage in 19 years. This mortgage company Greentree has switched their name a number of times over the years by my estimate we have paid close to XXXX XXXX, I do not see a light for my mother at the end of the tunnel, I really feel that we have been done wrong here. I feel that its my duty to say something for my mother, Thanks XXXX XXXX XXXX
On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often. 

How. Is. This. Legal. 

Tomorrow I am switching banks.
I informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I
I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.
Student loans being reported by XXXX XXXX, XXXX, XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.
On XX/XX/XXXX, I received a letter from First Hawaiian Bank reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My First Hawaiian Bank auto loan is routinely paid by monthly automatic debit from my FHB checking account on the XXXX XXXX of each month. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XX/XX/XXXXwas more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking ex

ceeded {$500.00}. On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my FHB  checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my FHB   checking acc
ount balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}.

On the morning ofXX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my FHB car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my FHB checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My FHB   checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my FHB Auto loan.

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want First Hawaiian bank to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.