WillisBack/dataset-financial-user-claim huggingface dataset:
All three credit bureaus are reporting a Bankruptcy Chapter XXXX from XX/XX/XXXX on my credit reports, however, XXXX immediately removed it upon my request, yet XXXX and XXXX continue to report it claiming it obtained the public record from LexisNexis. I sent my first letter to LexisNexis on XX/XX/XXXX via certified letter ( letter and certified receipt are attached ) and they did not respond within 30 days, therefore, violating the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I then sent my second letter on XX/XX/XXXX via certified mail ( letter and certified receipt are attached ). I also asked for a copy of my credit report on XX/XX/XXXX and have yet to receive it, therefore, I called LexisNexis yesterday to enquire and they basically had no answer, so I decided to ask about the letter regarding the 'Bankruptcy Dispute ', I spoke to XXXX and he said he had good news, that there were some items removed, however, not the Bankruptcy. I've never seen the credit report LexisNexis maintains under my Social Security Number, so I'm not sure what good news he had for me and he did not disclose that to me. Nonetheless, LexisNexis failed to respond to me violating the FCRA section 611 ( a ) ( 1 ) ( A ), therefore, they must remove the Bankruptcy and issue me a letter confirming as much. Lastly, Federal Law Rule 9037 prohibits their validation methods.
I identified some accounts on my credit reports that were unauthorized and I mailed Equifax all the necessary paperwork to have these accounts removed and Equifax has ignored my request.
Error in legal description recorded on Deed of Trust .Been more then 6 month and Ditech Loan mortgage has done nothing to correct this matter, every time i call they say there working on it but with no results.I have sent all documents to them Ditech .
in XXXX, I won a dispute by having " Diversified Services '' closed and removed from my credit report. After reviewing my report this morning with XXXX, the collections were RE-OPENED and RE-ADDED to my report. I know that this is illegal. I want the RE-CLOSED and Removed without me having to contact the BBB. Thank you
I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.
Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.
I sent Receivable Solutions letter within 30 days disputing this debt and they still reported to all XXXX credit bureaus after I sent letter. Also, I wanted them provide proof that they have been given right to collect the debt by the original creditor. Per FCRA, if all these accounts are not deleted with all XXXX credit bureaus I have no choice but to pursue legal action and file a lawsuit!
My information was reported to be part of Equifax hack, where my personal credit profile and information was disclosed and shared improperly, without my consent or knowledge.
Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.
re : : XXXX XXXXXX/XX/XXXX Trustee for XXXXXXXX XXXX-OP1 Series Mortgage Pass through certificate ( Foreclosure scheduled XX/XX/2018 ) SPS Servicing Account # : : XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Please note that we submitted the following complaints ( listed below ) against XXXX XXXX, XXXX of which we have received multiple follow up emails from cfpb indicating that XXXX XXXX is still working on responses to our complaints. while we await formal response to our concerns from wells fargo, we request. that they cancel the upcoming foreclosure ( XX/XX/2018 at XXXX ET ) on our home. 

The previous complaints filed with XXXX XXXX, that XXXX XXXX has indicated they are still reasearching are as follows ; XXXX : : XXXX XXXX working on response as of XX/XX/18 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
I contacted Quicken Loan on XX/XX/XXXX to refinance my XXXX loan I havewith them to lower MI. Information was taken and my credit report wasaccessed ( it 's XXXX ). Was told I was better off going conventional. I asked tocompare conventional with XXXX loan. Those figures were not provided. Iwas provided figures for the conventional with no MI included, utilizing anestimated appraised value. On that night, I signed the application, GFE, and locked the rate. I was requested to pay {$500.00} to proceed. Every-thing needed to be done fast since I was led to believe the interest ratecould change. On XX/XX/XXXX I sent QL my bank statements, verificationof income, and tax returns. On XX/XX/XXXX I received email saying I wasconditionally approved. On XX/XX/XXXX Quicken changed the GFE since theyclaimed that the Credit Report did not include a loan I had taken a theend of XX/XX/XXXX. The revised GFE included MI, among other changes. 
QL asked me to pay off a credit card and close it. I complied. On XX/XX/XXXX Iwas told my loan had been escalated again this time because the value-tion report indicated I 'm paying a HOA fee of $ XXXX monthly, which I hadnot disclosed. Being that this was the XXXX time that I felt I was beingaccused of hiding information, I clarified that QL had not asked me aboutthis information, and that I had provided said information to the appraiserwho came to my house. Another GFE package was issued withadditional changes. QL also requested that I prepared and signed a letterstating that I had not intention of selling my house in the near future. Thiswas based because my house had been on the market before. I haveno intention of selling that 's why I 'm refinancing. I said to QL I needed tofind out the legal implications of putting something like that in writing. 
Around XX/XX/XXXX QL requested that I pay XXXX loans, XXXX XXXX andmy car loan. I asked QL if I could combined loan payments differently tolower the debt to income ratio, which I acknowledged is high and I need to lower according to their estimates. I also acknowledged that I hadcalculated my debt to income ratio erroneously and that theirs ( theynever gave me the ratio ) may be more accurate. 
They said I had no other alternatives. I have combined other loan pay-ments, not just the car loan and XXXX XXXX, and have started topay them using my savings and I believe I do have alternatives. 
On XX/XX/XXXX, Ivisited the To Do List on their web site and noticed that they had backdated a request to submit financial statements and balance sheets of mybusiness. This was back dated to XX/XX/XXXX - I had copied the To Do Liston XX/XX/XXXX. Since part of my income is from self-employment ( soleproprietorship ) I explained to them that the regulations cited by themdid not apply to me and that I had complied by sending the XXXX XXXX XXXX The rest of my income is a lifetime pension from the XXXX Florida and XXXX, which is enough to pay for a loan. 
On XX/XX/XXXX I received an email from QL telling me to sign into their website because they could n't find a home loan to match my current needs.
AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv
I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. 

Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX  XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. 

The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.
Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX
Afternoon, I was placed on a program due to my income probably about 8 months ago. I also had to submit information like my bank statements and work statement information. I was then requested again in XXXX to do the same thing. My account was also in delinquency and I was told once I get on this program and make payment my account would no longer be deliquient and it would show up as paid on my credit report. A couple of days ago I received a call saying that my accounts were delinquent and this is after I made the required payments. I also received a call stating I was denied from the program today. This is a total crock of stuff after all of the on time payments I made I am still being penalized and delinquent this is not a good business practice at all. I would like to resolve this situation or go into default or be transferred to a different servicers because this is ridiculous and very unprofessional. I spoke with XXXX XXXX when she told me I was denied. I am also on a income rebased payment with the federal government and I have loads of student loans there so I dont understand the denial either since the XXXX has my tax returns.
I received a letter from Online Info Services stating I owe an alleged debt via XXXX. I sent OIS a letter asking for validation of debt. I have not received any validation of debt from OIS and they proceeded to place the debt to my XXXX  credit report.
Optimum Outcomes refuses to remove inaccurate information off my XXXX report. The information was deleted from XXXX bureaus but not XXXX
I signed a contract lowering my XXXX Citibank Mastercard to a lower interest rate. Subsequently, I can not get Citibank to credit my account for a clear fraud issue. They are calling my account a " hardship account '' and will not take information on disputed transactions. Six documented phone calls, some lasting one hour and up to eight transfers, I learned the request must be in writing. Multiple written requests over the past few months have yielded a credit on XXXX fraudulent tranaction of {$59.00}. There are a total of XXXX transactions to same fraudulent vendor that I have asked them to credit. I have provided all details of these transactions. Instead I am getting multiple notices about the XXXX transaction of {$59.00} that was credited. This is not a normal or fair response.
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to Experian that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
I made a payment using the capital one credit card app and didnt realize i didnt have the correct amount of funds in my bank account. It was then subsequently late. When making the late payment that was due, i encontered an error measage in my app when i set up my payment and went to slide to pay. I didnt get a confirmation of payment so i went ahead and restarted the process and it went threw. When i woke up the next day to check my account i noticed that both payments went threw and bounced because i only had the money for one payment. They closed my account and made put a serious dent on my credit!
On XX/XX/2018 I attempted to transfer my account from within XXXX XXXX. XXXX required my credit report to complete the transaction. I had frozen my report when the massive data leak occurred, so I needed to unfreeze it long enough for XXXX to have access to it. Following XXXX 's instructions, I called Equifax and requested they unfreeze the report. After several repeat calls to provide Equifax with enough personal information that they would acknowledge it was me on the phone, they agreed to unfreeze the report at XXXX. 
When XXXX tried to complete the transfer at approx. XXXX, the account was still frozen. Both I and the XXXX representative called Equifax again and this time were told it took " up to an hour '' to unfreeze the report. At XXXX, XXXX tried again, but the report was still frozen. I called Equifax again to see what was wrong and I was told they were having system problems and that it would be fixed in another hour. I reported this to XXXX, but my representative had gone off duty. 
This morning I tried again to process the transfer with XXXX and again I was told the report was still frozen by Equifax and that I should call them yet again when they open at XXXX. This II will do, but I resent the runaround they have given me. The power they have over the consumer isterrible. Someone needs to do something about them..
Inquiries should have been removed by now accounts that are paid off & closed out should be removed from my credit
This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.
I have had several problems with XXXX XXXX. Every year I have to submit my employment verification form several times in order to get it processed, even though I serve in the XXXX. I have also had trouble with deferment issues. I am currently enrolled in a Master 's program part-time and every semester XXXX automatically puts my account in deferment. I call and submit the deferment waiver form to be taken out of deferment because I am in the PSLF program and every month I am in deferment is a month that does not count towards PSLF. Every time I call and submit another deferment waiver form I get told that it takes time to process and that it will all be sorted out, but this seems to be a pattern with XXXX and I can not figure out why I keep getting put in automatic deferment when I have specifically requested to not be placed in deferment. Additionally, when I applied for PSLF, all of my loan where transferred from XXXX to XXXX. During this period I was unable to access my account to ensure my payments where being processed. I made several calls and every time I was told not to worry I would have access to my account " soon ''. By the time I got access XXXX informed that my loans where past due because I failed to pay on time. Then a year later they tell me because I had a late payment that my forbearance funds were being nullified and the interest was being added to my account. This only amounted to around 150 additional dollars but its about principal. This company has failed me and other customers at every turn. Furthermore, they seem to not care about the effect that their malfeasance has on borrowers. In fact, I seldom receive customer care that is not rude even borderline hostile when I call about my account. Including today XXXX XX/XX/XXXX, after waiting no less than 20 minutes on hold I was greet by XXXX, employee number XXXX, who could not have been more rude and insensitive about the fact that my account was being placed back in deferment and I was having to take time out of my duty day to attempt to correct this action again. I want to know when XXXX will be held accountable for their deceptive practices relating to deferment and public student loan forgiveness.
Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX
I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. 

When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
JP Morgan Chase Bank will not allow me to set the cash advance limit for my credit card at {$0.00}. They lowest they say it can be set at is {$100.00}.
On XX/XX/XXXX, I applied for and was approved for the American Express Business Gold card. The public offer available on the website stated that I could earn XXXX rewards points if I spend {$5000.00} in the next 3 months for my business. I did that. From multiple chats and complaints to the company, I still have not received my award. They say there was no award available at the time. That is false. I have a screen shot of the award I applied for. Now, XX/XX/XXXX, they say I'm not eligible for having this card in the past. I've never had this card in the past. They are now saying I failed to meet the offer of the terms, but I have read the terms and met all of them. They won't tell me which terms were supposedly not met, yet their representatives all agree I completed the spending requirement. Chat rep supervisor XXXX on XX/XX/XXXX says he can have someone contact me to tell me why I didn't get the bonus, and I requested this be sent to me in writing with a citation of the exact term in the requirements and an exact explanation of how I didn't meet this term. Reference for Amex is XXXX for your reference.
XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.