WillisBack/dataset-financial-user-claim huggingface dataset:
I have been attempting to do a modification with SPS..   I have a HUD  counselor I am working with, and this organization does not work with the counselor. I  have been told my application is incomplete, but the form on their website  XXXX   XXXX   XXXX  has only  XXXX  pages. I am told my form should be  XXXX  pages. I received a letter with the form and it had only  XXXX  pages. M y counselor has requested the form be faxed three times, and they refuse to send the correct form.    I am current on my mortgage, but my wife can no longer work, and we have less income.. It will be difficult for me to pay my mortgage going forward.   I have asked about the HARP, an d SPS  will not entertain a discussion about it.   This servicer is not doing their due diligence on my request for assistance.   I have explained their website has  XXXX  form and the form I was sent is missing sections. I was told the form is different for each person.. This can not be true.. as they will not fax the form in question
THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..
I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. 
Thank you fr helping me with that.
Citibank charged an overdraft fee of {$35.00} on XX/XX/2015. The account was not overdrawn. See attachment
I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.
We received pre-approval for a mortgage from CitiBank in XXXX. During the pre-approval process, they were very responsive. However, once we had a ratified contract for a house, our loan officer because very slow to respond to questions. We asked for specific details on the timeline but our questions were frequently ignored. We communicated early that they would need to coordinate with our second trust lender, but they failed to do so. In the week leading up to our originally scheduled settlement ( XXXX XXXX ), we could not get anyone on the phone or to answer our emails to coordinate the final part of the process. Finally, I called the Citibank national helpline and got connected via email to the manager or our loan officer. The manager was similarly unresponsive after an initial email and we ended up missing our settlement date. We had arranged settlement for this Friday before XXXX XXXX weekend so we would have time to move into our new house. We had family coming in from out of town to help and movers scheduled to arrive. We failed to even get anyone on the phone to explain to us what was happening. Finally, the following Tuesday night ( XXXX ), our realtor was able to find out from the loan officer 's manager that our loan officer had quit the day before our scheduled settlement. When we still could n't get this manager on the phone, I had to call the Citibank national hotline again. Eventually, they connected me to the regional manager who finally told me our loan settlement would be delayed until at least Friday, XXXX XXXX. We rescheduled our movers again, but Citibank again could not close. At that point, we were already required to be out of our apartment. We finally closed on XXXX XXXX, but at that point, my wife and I had to take 3 days off work trying to coordinate the constantly shifting timeline and move and we had to remain in our apartment past the day we were allowed to. We ended up having to move everything with only one person to help because the timeline shifted from a weekend to a weekday. Throughout this process, Citibank was dismissive, unresponsive, and only got back to us after we called their national helplines or escalated to supervisors.
I previously entered the referenced complaint below. In response, Trans Union alleges they conducted an investigation whereupon the results indicated a bankruptcy filing was identified.

Trans Union failed, as they have in the past, to conduct a thorough investigation beyond identifying that a filing had occurred. The law is clear. There was no adjudication and the case was dismissed. There is no ORDER of Relief. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report. Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.
Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history.  <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.
Between  XXXX  and  XXXX    XXXX   I mad e five calls  to Navient customer service attempting to set up a loan repayment plan. Each time I asked about income based repayment I was told I would be transferred to the appropriate person but was transferred to the collections department. They would then tell me I was ineligible for income based repayment unless I was in collections. I would call back and get different information from another representative telling me I could apply but not until  XXXX . In  XXXX  I again was sent t o the collections department three times and spoke to at least six people about a repayment plan that was not > {$300.00} per month. I was fina lly able to set up an income based repayment plan and was told that my monthly payment would cover interest only and would be {$130.00} per month. Since repayment began in  XXXX  my monthly amount has increased twice, going up by {$10.00} in a few months. I was informed that my payment would be the same each mo nth for two years. I do not want to try again with Navient because it is   extremely aggravating to call and get sent to various people, none of whom give the same information. I can not afford for my payment to continue increasing by unknown amounts each month. I began this repayment plan to avoid exactly what 's happening.
I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.
XXXX XXXX continues to call me about a debt that is not mine. They are calling the wrong person. I have told them this multiple times, yet they continue to call. This has been going on for almost a year.
Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX
I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off.
As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!
I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. 

Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. 

I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.
XX/XX/XXXX at XXXX called work when i asked them not to XX/XX/XXXX around XXXX, XXXX  called my work when i asked them not to XX/XX/XXXX- called my human resources department to confirm i worked there XX/XX/XXXX- at XXXX called me again at work when & asked them not when when I have already told them not to
Total of {$100.00} in over draft fees taken out when my account is not supposed to allow over drafts to occur.
RE old deleted XXXX XXXX  re-inserted -illegally NEEDS TO BE DELETED refer to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) TRANSUNION DELETED AN ACCOUNT AND REINSERTED WITHOUT EVER NOTIFYING ME.

Statement of Facts there is a law that does state that if AN ITEM IS DELETED from a credit file and is RE-Instated for ANY reason.. the Credit bureau must notify ME within 5 business days after the date of re-insertion. This is a law or code of the FCRA the exact law pertaining to this issue is 15 U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) AND I quote ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well past 5 days and I received no notification of a re-insertion. Is this law not valid?
In XX/XX/XXXX and XX/XX/2018, I received several emails from a company called Checkr that claimed to be doing a background check for XXXX. 

I have never applied to work for XXXX. I never had any dealings with XXXX or Checkr. The information in the emails that I received clearly belonged to someone else. One of the reports attached to an email contained someones date of birth, the last 4 digits of their SSN, their DL number, zip code, etc. 

I called Checkr, and told them about the problem. XXXX, the person I spoke with on the phone from Checkr, said that he had no record of any emails ever being sent to me. I forwarded him the emails, to show that Checkr did in fact send me several emails, many of which contained someone else 's personal sensitive information. 

This is a dangerous data breach, and Checkr did seem to take it very seriously, in terms of getting to the bottom of the issue. I still have no idea ( 1 ) why I received these emails with someone else 's sensitive information, ( 2 ) why Checkr had no record of sending them, and ( 3 ) what Checkr plans to do about it.
Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. 

I was advised to send a " Dispute '' Letter to each of the 3 credit bureaus to validate the accounts under the FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt ''  so that you can see the tracking of this letter. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( credit bureaus ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and show 100 % verification of the accounts that they're reporting on my credit reports. The only letter Experian sent back to me after my 1st letter to them was saying that they verified all of the accounts that I was disputing. They did not provide ANY documentation showing how they " verified '' the information, nor did they send me any signed contracts or signed applications. 

I then sent ANOTHER letter to them disputing the debts once again, and asking them to provide proof under the FCRA that these accounts belong to me. I told them that you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

They have STILL once again sent me a letter stating the accounts are verified, but have continued to violate my rights by not providing ANY documentation backing up their so called " investigation ''. 

Please note that I have dozens of accounts on my credit reports that are being reported correctly, and I am not disputing the validity of those. ONLY the several accounts that were in my dispute letters that I have attached. 

I demand that these erroneous accounts be removed from my credit report by Experian immediately. 

Thank you for helping me resolve this matter.
Disputed debit card transaction with Chase Bank on or about XX/XX/2018 with a useless unhelpful individual with case number XXXX. This was for a purchase charged to the account in the amount of {$760.00} on or about XX/XX/2018 from merchant XXXX XXXX XXXX, as per the attached and per my phone call, this charge was paid for with alternate method of cash as per the attached paid receipt. Further, never signed for the purchase nor agreed/allowed the merchant to bill me for this purchase.
In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.