WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I are in the process of buying a house and went under contract, a month later our credit report was re-pulled to be sure nothing came up that would need to be resolved. We were not under the impression anything would. We found that we were marked late with our car loan through JP Morgan Chase for a month which we were not late. For two months prior we were late due to me being in and out of the hospital, my husband missing work, and unbeknownst to me, you are able to change date of payment with no penalty as long as it falls in the month. I was unaware of this and therefore those months were late. I paid those months ( XXXX and XXXX ) to date in the first week of XXXX on XXXX XXXX, 2017, amount {$490.00}, once this was paid to date, I then paid for the month of XXXX on XXXX XXXX, 2017, amount {$240.00}. My payment date is the XXXX of every month so I was sure to pay within the 30 day window. Paying on the XXXX was within that 30 day window. I called and spoke to SEVERAL different people all who told me they could not help me unless they were in the wrong. An investigation was opened with customer support that I called about daily. I was sent to the highest supervisor I could go to who was apologetic for the situation, but told me he could n't give me a letter stating they would remove this from my report, the best he could do was refund all late fees. He told me I had to go through the credit bureaus which I do n't have time to wait on considering the situation. He sent me to the executive office. They opened an investigation after speaking to two different people in this department, one of whom argued with me until she admitted they were at fault and noted my account. After proving my point that for the month of XXXX I was not late and stating several different times to several different people how time sensitive this is and I need a letter stating this will be removed from my credit to move forward with buying the house, I was unsuccessful in dealing with Chase and told I had to dispute this with the credit bureaus because they are n't authorized to send such letters and they could n't guarantee it would be removed through a dispute. I am at risk to lose my deposit, the house, and I ha e two little ones, another on the way, and this has tossed our world upside down. Chase has acted unreasonably in this situation. With me not being at fault for the month of XXXX, this should be removed from my credit.
Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. 

I found that there were more issues than I has originally realized. 
I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. 
Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. 
Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.
Equifax, XXXX  and XXXX credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
I have been a customer of Delta Financial Services, XXXX XXXX, XXXX, LA XXXX since XX/XX/XXXX. I have paid on my account, on time, every month up until this year, XX/XX/XXXX. Every month the office called me on or around the XXXX of the month and I 've approved to process the payment over the phone and requested a receipt be sent to me by mail. The prior 3 months have been a financial challenge for me, and even thought they were late, I did manage to get my payments paid. They were never 30 days past due ... .never. My last payment was due XX/XX/XXXX. I had not paid it yet nor had I spoken with them to give approval to pay. I pulled up my bank account on XX/XX/XXXX and noticed that Delta Financial had processed my last payment in the amount of {$64.00} XX/XX/XXXX, without my approval. This is exactly 10 days past my due date XX/XX/XXXX. I am very disappointed in how this company has treated me. My account was not in a collection status. It was not 30 past due. What can be done about this? I see now allowing a company to have access to your account is not so much as convenient for the consumer but for them as well. When they want their money they will just take it. This should be against the law to do. This is not the only place I will be filing a complaint against this company.
I placed a wire transfer of {$25000.00} at XXXX XX/XX/2017 from my bank, XXXX XXXX XXXX , to Coinbase Inc , who instructed me to transfer it to their account with Metropolitan XXXX XXXX . 

Routing Number : XXXX Account Number : XXXX Recipient Instructions : XXXX As of this moment, the amount has not been credited to my XXXX account with Coinbase. I have opened a ticket with their support team and received no response. I have tried calling their support phone number and the phone was never answered. 

Case # XXXX This appears to have happed to several other people. 
XXXX XXXX  XXXX
Nationwide fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that the account was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. Nationwide is reporting this false and incorrect information to XXXX, XXXX and XXXX.
Equifax has not and will not provide me with the phone number for the collection agency listed on my credit report. The collection agency 's name is XXXX.
In XX/XX/XXXX, I filed my Federal Income Tax Return for XX/XX/XXXX electronically through a professional tax return preparer, I was entitled to a Federal Tax Refund of {$XXXX}. The refund was to be directly deposited into my Chase Bank checking account. In the process of providing information to the tax preparer, I made an error in my account of one digit. As a result, the IRS electronically deposited my refund into some other Chase account. In XX/XX/XXXX, when the refund did not appear in my account, I sought assistance from a local Chase Bank manager. She was able to confirm that my refund was deposited into the wrong account, and assured me that the money would be recovered and returned to me. Since that time, ten months ago, I have made many attempts to resolve the issue and have the funds returned to me. I 've made scores of calls to Chase Bank and the IRS. I am possession of various documents from the IRS to Chase Bank confirming that the funds were deposited into the wrong account, and advising me to contact the bank, which I immediately did again and again. On one of the IRS forms, dated XX/XX/XXXX, Chase bank states that the money was received but that the " name does not match '' the account into which it was deposited. I enlisted assistance from the IRS Taxpayer Advocate Service which has informed me that the " IRS does not have the authority to demand return of the refund from the designated financial institution '', and that Form FMS 105.1 was sent to Chase on my behalf to search for the electronic funds transfer, which we know went into the wrong account. While it is obvious, and I freely admit, that I made the original error in reporting my account number, it is also obvious that Chase Bank has been negligent in its duty to ensure that the refund be returned to me, a long time customer and the only legitimate person to claim that refund money.
My father ( age XXXX ) had XXXX XXXX take his personal information to open up a Citi credit card on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX XXXX made a transfer to my father 's XXXX XXXX XXXX credit card for {$3700.00} ( XXXX XXXX had also made XXXX large transfers on the XXXX XXXX XXXX card that were illegal and XXXX XXXX XXXX has refunded those charges ). I have been contacting Citi for several months trying to get this straightened out, only to be transferred to every department and get nowhere. XXXX XXXX had also opened a XXXX and XXXX card- doing the same large transfers, both cards have also admitted these cards were opened in fraud.
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
CBE Group continues to put collections on my credit report that are my EX WIFES medical bills!!!! We are not married and have n't been for a very long time! I have never signed anything and they should not be allowed to just report whatever they want on my credit. I will have my attorney file for damages if they do not remove ALL of the accounts from my credit. I have n't been to the DR and I have no medical bills!
I am Submitting this complaint with the CFPB due to Equifax NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) (  A ). you 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Equifax on XX/XX/XXXX, I received a letter back of dispute results stating that the company  that reported the information certified to Equifax that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Equifax doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
On  XXXX   XXXX ,   XXXX   I received a notice f rom Synchrony Financial say ing  a TJ Max credit ca rd had been issued in my name. On  XXXX   XXXX , I called  Synchrony Financial and to ld  them TJ Max ha d used my information without my authority to issue this card. I was told by  Synchrony Financial they  could do nothing because they did not issue credit ( which seems odd for a credit comp any ) and since my infor mation was accurate, even if I did not authorize the credit, nothing could be done. I was told I must contact  TJ Max, w hich I did that day. I asked for written documentation of what had occurred, which was promised but they have failed to provide. On  XXXX   XXXX ,  TJ Max since t hey do not issue credit, I needed to  talk to Synchrony Financial, s ince they issued the credit. Since that time they have failed to respond to my inquiries on this matter.
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXXthat person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.
I had an account report from XXXX XXXX XXXX an owed account on my credit report for the amount of {$2000.00} that I am certain does not belong to me. I mailed a certified letter received on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX and received a response from my inquiry dated XX/XX/XXXX. The letter included my name, current mailing address and social security number. The response included information and a credit account tied to a person name XXXX XXXX. I now have the private information belonging to another person, tied to may address. My understanding is that this breaks federal credit reporting laws and regulations. As well, I am certain the information they are claiming belongs to me and are reporting to Experian and XXXX are also incorrect. I am requesting help in immediately removing the fraudulent and incorrect reporting to all XXXX credit bureaus as well as the the extraction of all of my personal information from XXXX XXXX XXXX. Thanks for your help and immediate response.
i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.
I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
EXPERIAN CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE. 

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT EXPERIAN IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
I feel like I have been taken advantage of by XXXX College, XXXX and XXXX XXXX, now Navient student loans in XXXX. XXXX convinced me into unaffordable student loans which not until after I graduated in XXXX, realized they were private loans. My loans today in XXXX is still about {$80000.00} outstanding! I 've been through deferment and forbearance and all of the steps to find relief and lower payments. I 've been denied the public service loan forgiveness which I never fully understood why. I am currently in year XXXX working in non-profit public service. My loans which they tell me can not be consolidated and the lowest they got down to is roughly $ XXXX/month. I am on-time with my payments. I pay through electronic funds which the discount is included in the $ XXXX/month. Since I 'm married I 'm not able to claim student interest on my income taxes. I have XXXX children. With the income I make, I am not able to enjoy the fruits of my labor to the fullest as it seems as though I pay XXXX mortgages ( well XXXX for real and the other in student loan payments ). I am somehow on a 25-year plan which means I will be XXXX+ years old before paying off this loan. This has to be some kind of mistake. I did n't go to school so that I can pay student loans and be in debt for the rest of my career and life. I do n't know what else to do, but do n't feel I should still owe close to {$80000.00} in combined private and federal student loans. I pray that I find relief in this somehow without have to pay for a lawyer or financial advisor which will put me in more debt. Somehow I would like for President Obama to know about my situation as I know he is doing his best to help students find relief. I 'm lost confused, disappointed and feel suckered at making these payments monthly. Oh and may I add that all of training was done online with XXXX College. I never stepped foot on a campus.
I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance.