WillisBack/dataset-financial-user-claim huggingface dataset:
I requested an increase in the credit limit for the Costco Citibank Visa account and was turned down due to " because of the total amount that you owe '' ( see adverse action notice attached ). My request was to purchase a large item from Costco that exceeded my limit that was established. I owe no creditor anything other than current 30 day charges as is evident on my credit file ( attached ). I am a multi-millionaire XXXX and XXXX for a large bank. 

I believe that this is age and source of income discrimination.
Over the past few months, Convergent Outsourcing has sent me letters telling me to pay them XXXX because they 're claiming XXXX can not sue me for debt. I have asked XXXX for proof that I have any outstanding debt with them and they have stated no. I called Convergent and the moment I said I had called XXXX for proof they hung up.
In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau.
I have submitted a 605b fraud affidavit. 

need to have these fraudulent inquires removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX # XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, USbank and myself it was determined the funds were sent to XXXX which was the previous owner of the card. On XXXX XXXX another XXXX way call with XXXX, UsBank and myself in which payment amount, date and trace numbers were sent. I contacted XXXX on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted USBank and was told the case had been closed and would reopen it. The representative told me he would call me XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail.
I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Navient has not provided me with any validation that I demanded. I have asked for any agreements signed with them that I all them debt also anything with my signature on it that shows that I owe them dept. Plus complete payment history on this account along with accounting of all additional charges being assessed. Along with many other proof of depth. I do not owe this company dnt know how I obtained dept with them. The info they do send is inaccurat. They have many inaccuracies on my credit and it is affecting me getting a home loan at a decent rate. I do not owe this company any monies.
I have 4 stolen checks that were deposited likely using some kind of mobile app, to a Wells Fargo account. The checks were made out to 4 different persons or entity, and successfully cashed through  Wells Fargo by a person named XXXX XXXX. 
There are no bank markings, deposit stamps, or any form of identification on the checks that were cashed. It appears these checks were deposited using a mobile device app offered by Wells Fargo [ and I understand also XXXX offers this " convenience '' ]. There is no positive i.d . required. So the thief just puts the money in his account, waits for the check to clear, then draws it out. This system of making deposits MUST STOP. It is not going to work. I have not been unable to get any cooperation from Wells Fargo in tagging the thief, which they can easily do. Perhaps there is someone inside the bank working with him. 
I have filed all the reports I can locally with the County and DA. You need to pick this up and get Wells Fargo to cure this easy fraud. Anyone can do this, any time, any where. This is a very BAD situation for us as account holders issuing paychecks and payments on account by check.
Credit bureau must follow FCRA and verify original signed contract with my signature on it, according to Federal and State laws.
I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.
My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.
On  X/X/2017   , TransUnion received my certified request dated  XX/XX/2017.  The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15  U.S.C . 1681g, I request ed disclosure of documents recorded and retained in their file  ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified requests were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising TransUnion of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Company called an elderly relative and told her about the debt. Woke her up from her sick bed at XXXX am. Threatened to take action. The relative is also on a no contact list. Calling my relatives is totally illegal.
This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies Equifax Credit reporting agency XXXX XXXX XXXX XXXX GA XXXX XXXX credit reporting agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX InXX/XX/XXXX( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my XXXX and Equifax Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
On XX/XX/2017, I requested validation from XXXX XXXX regarding a collection they are reporting with the three credit bureaus. As of this day they have failed to validate the alleged debt they are attempting to collect. Since they continue to report this to the credit bureaus and have failed to validate the debt they are in violation of the FCRA and my rights. I've sent the attached certified letter with return receipt.
I had a mortgage with Wells Fargo and did a modification in XXXX in which they reduced the mortgage by {$92000.00} and then sent me a XXXX stating it was {$81000.00}. I recently sold my home and I needed to pay the money they reduced from my loan which to my understanding was {$81000.00}, however WF and Hud stated it was {$92000.00}. I went around and around with both agencies until Hud advised me to call WF executive complaint line in which I did and spoke with a XXXX XXXX XXXX who was very rude and condescending who did not listen to my complaint but rather continued to talk over me until I hung up on him. He then followed up with a letter, but again he did not address my complaint which is why did WFB send me a correction regarding the Hud partial cliam. He instead did what he did over the phone which was add up the charges that equal {$92000.00} but never addressed the correction of {$81000.00}. In reviewing the documents sent to me by WF the Loan modification agreement ( Deed of Trust ) states the original principal amount is ' {$300000.00}, they reduced the unpaid principal amount due ( payable ) to {$220000.00} when subtracted from the original balance of {$300000.00} is {$79000.00} ( {$1500.00} ) difference of about the required modification payment of {$1100.00}. When I stated to both Hud and WF that the repayment due was {$81000.00} not {$92000.00} I hit a brick wall. I received copies from Hud of the Partial claim deed they received from WF it was for {$92000.00}, however they did not have a copy of the CORRECTED copy sent to me by WF dated XXXX for {$81000.00}. This corrected copy was not filed as stated per the document. Additionally, WF reported to the credit bureaus that I was late with my payments for 120 days, I was not late, as I paid the required amounts set up by WF for the modification process until it was complete. Per the statement indicated on the documents by WFB they would report to the credit bureau " late payments, missed payments, or other defaults my be reflected. I signed an agreement with WFB for the modification and I made the payments as they required and I paid the on time. I was not late, I did not miss nor was I in default. They ruined my credit and caused me to have to receive a higher interest rate for the purchase of my new home. I believe WFB has acted in a less than honest manner in handling my modification and I ask that you would conduct a full investigation. I have not been able to resolve this issue with WFB as they did not address my concern regarding the correction of the partial claim from {$92000.00} to the {$81000.00} which is what I believed would be due to Hud at the sale of my home. I paid Hud {$92000.00} in order to complete the sell of my home but I have disputed this amount and continue to do so as of this letter. 
Sincerely, XXXX XXXX XXXX
We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.
I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau Equifax, XXXX, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. Equifax, XXXX  And XXXX  made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, XXXX and Equifax to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And national credit systems. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against equifax.
American Express keep allowing someone to cancel and send my credit card to another address in another state. I have set up passwords, 4 digits codes, changed my email address like they requested and still they allow someone to send a card to another state. I talk to someone on Monday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 about this problem and they still allow this to happen. The only answer I get from this company is that they are sorry and they are working on the problem.
I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX  to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!
Per Original CFPB Case # XXXX, Equifax has yet to comply w/ my XXXX/XXXX/XXXX request to move the 'Consumer Statement ' ( which will expire on XXXX ) from the top of Accounts section to the XXXX XXXX XXXX ( XXXX ) account which it references. The XXXX/XXXX/XXXX request also asked that the XXXX/XXXX/XXXX letter supporting same be added to the XXXX account entry. As was the case when originally submitted, Equifax has refused to process the online dispute request as submitted. 

With respect to the forgoing, I have subsequently asked Equifax to provide the following : a ) Credit File documentation confirming the above request has been satisfied And/Or b ) Credit File documentation confirming that the XXXX is no longer being reported ( as is the case w/ other credit reporting agencies ) Although the request was reiterated in my XXXX/XXXX/XXXX letter to Equifax Personal Solutions President, XXXX XXXX ( attached ), the company is yet to respond.
I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.
This problem is with Coinbase, LLC ( www.coinbase.com ) On  XXXX   XXXX ,  2017 i trie d to transfer  XXXX    XXXX    from my Vault on their system, the transaction was not working and was stuck in a " Approval needed status, so i cancelled the transaction and recieved a confirmation the transaction was cancelled, however the amount was still subtracted from my balance putting me into a negative balance situation.     I Immediatly opened a case with coinbase support and have asked for updates daily since then with absolutely NO response from them and the account is still in a negitive balance situation.     i Hereby request that the  XXXX  transaction be removed since it was cancelled and should not be showing on my account.
CONVERGENT OUTSOURCING, INC. refuses to respond to debt verification but continues to report an unverified debt to the credit bureaus.
In XX/XX/XXXX of 2010, my private student loans with Sallie Mae ( Serviced by Navient ) went into default due to me failing to make payments. Once I received notification, I immediately contacted Sallie Mae in order to try and repair the problem. I was told that if I paid 10 % of the loan balance, that I could be placed into a forgiveness program where I could make a minimum payment of {$140.00} for 24 months, my loan interest rate would be changed to 0 % and the loan would be forgiven after the 2 years of making timely payments. I immediately paid over {$2500.00} to Sallie Mae and then began making automatic payments each month.

After two years, the payments stopped being automatically deducted so I assumed that my loan had been forgiven as planned. However, I then began receiving phone calls that I was behind on my monthly payments because I did not call to renew my monthly payments. I explained that I was placed into a forgiveness program. Unfortunately, I was told that the forgiveness process was in place and I was to continue making payments until that process was completed.

Each month I contact Navient in order to get an update. It has now been 6 years and I have had to renew my automatic payment plan three times now just so that a loan on my credit that shows in default, shows payments being made each month.

Recently, the response changed from them waiting for the forgiveness process to take place to them having no record of it. They have offered to settle my loan for XXXX, however I refuse to take that deal as that was not what I originally agreed too. I have asked them to go back and check their call logs and their recorded lines but they state that they can not do that. At this rate, I will be paying on this loan until I am XXXX years old. Additionally, this is the only issue on my credit and there is nothing I can do about it since it is showing in default and I refuse to get a loan to pay this loan off when I was told this loan would be forgiven.

This is deceptive and wrong and I honestly dont know what to do in order to get this taken care of.