WillisBack/dataset-financial-user-claim huggingface dataset:
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''
I want to pay my truck payment on line to GM financial. Their website never works. You spend so much time tying to make a payment and their website keeps sending bogus security questions that I never set up. You call customer service and they ca n't help you either. So, for {$10.00} they will assist you over the phone to make a payment. This is a rip off!
I have contacted Equifax about me being a victim of identity theft and have ask them to remove the fraudulent accounts from my credit report along with the hard and soft inquiries that were made. Equifax has yet to remove/block all fraudulent accounts as stated in the FCRA they must do within 4 business days of receiving and identity theft report and dispute.
Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.
I have been working with Experian for no less than 5 months to correct inaccuracies in my credit report.. One item they keep including the wrong data. My last dispute for this item was made in early   XX/XX/XXXX  . The account was with  XXXX   XXXX  and the last  XXXX  digits of the account number is  XXXX .  <P/> I finally brokered a conference call between  XXXX   XXXX  and Experian to resolve the issue.  XXXX   XXXX  told Experian they had not reported on this account since  XXXX  even though Experiean was showing late payments in the last 30 days. The account was paid off in  XXXX .  <P/> After the call Experian said they would remove the erroneous information  ( Late  Payments ) from my report. As of today Experian is still showing late payments in the last 30 days.  <P/> I have made at least  5 c alls trying to resolve this issue. Experian transfers me from  one  line to the next or leaves me on hold for long periods of time. I have been able to speak with a couple of different people that said that the file would be corrected. IT HAS NOT BEEN CORRECTED.
In spite of efforts on my part, XXXX XXXX/XXXX is still showing ERRONEOUS derogatory information. In XX/XX/XXXX, I financed the purchase of an automobile through XXXX XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX. My bank records show my payments to XXXX XXXX and later to XXXX were never late. The debt was paid in full as agreed and I received the title to the automobile. Moreover, the loan was never part of a Chapter XXXX Wage Earner Plan and I have submitted copy of the court records to support this statement. Hitherto, XXXX XXXX, a service of XXXX provided by Transunion has not removed the information. On three occasions, I notified Transunion and XXXX to correct the situation. As of XX/XX/XXXX, XXXX XXXX/Transunion is still listing information affecting my reputation and ability to obtain a credit card at an acceptable : i, e : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees
BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.
My due date for my XXXX XXXX  issued XXXX credit card monthly payment was XX/XX/18. On the evening of XXXX, approximately XXXX, I logged on to make my payment. Although I did not know this at the time, the company has an XXXX EST cutoff to schedule same day payments, so I was forced to pick the following day as my date, so I was charged a late fee. When I called the company, they admitted that I have an excellent payment history with them, so they said they would take off {$15.00} of the {$27.00} fee. I replied back that the entire fee should be removed as I was not late with my payment- they said their policy was to " never remove late fees. '' This is a deceptive and fraudulent practice- by removing any portion of my fee, they are admitting fault. Why aren't they able to remove the entire fee? They are able to, they just don't want to.
On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.
XX/XX/18 I applied for Capital One Card. No foreiegn transaction fees. 
I unfroze my XXXX file to allow XXXX XXXX to access. You receive a code. 
The " customer service rep was informed. She took all my other pertinent information She never took my code! I offered he -are you ready now for the code. She ended application never taking code. 
I was turned down ( of course ) and have sent letter to XXXX One-they need train their staff!
Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.
I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. 
Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. 
Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. 
Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. 
I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. 
Thanks.
Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.
On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.
I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.
Well I have a loan with chase bank that I have had for at least XXXX years it is 9.25 percent interest and the loan they gave me was more than the house is worth. I have made all my payments and as you no i ca n't get the loan paid down cause I 'm paying all in interest.I have tried numerous times to refinance the loan thru chase but they wo n't budge and no one else will work with me cause I owe to much on my house. Can you please help me.
In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, XXXX, and TransUnion to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.
The bank is USAA Federal Savings Bank. I have been a customer for over 12 years. The bank allowed access to my checking, savings, and insurance accounts. Within minutes someone had taken a little over {$800.00} out of my accounts. I received notification via email that my car insurance id was ready to access as well as a quote for car insurance. I had not called the bank to do these actions. So I then called the bank but could not access the automated information due to it not recognizing my zip code or other personal identifiers previously in place. When I spoke to a representative I was told the account would not have the changes take effect to the insurance and it seems as someone called in as me. I was travelling so I ended the call but attempted to check my mobile app to determine if my bank account was touched, I was able to access via the app at first and found that there had been transfers from my savings and another checking account into a main account at the bank that I had not authorized. I immediately called the bank back again and after a 30 minute wait to speak to a representative was disconnected during a transfer to security. I had to call back again and waited approximately 30 more minutes to speak to someone again. I advised them that I did not authorize any change, transfers, or withdrawals other than a gas purchase and food purchases not over {$10.00} and wanted to file an unauthorized access to the account. When I advised them that I was travelling for the holiday and I needed my funds, not to let anyone take the money they advised they would allow me to get to an ATM to withdrawal funds. However, my card did not work with the PIN and then I was told the money I saw minutes ago on the app was no longer there because of a XXXX Transfer. I had not authorized a XXXX transfer I had been on the phone within minutes of the unauthorized access due to the account alert from the insurance access. I was stranded during my travels and told it would take 3 - 5 business days before I could access the money or get anything back. USAA would only apologize even though their records show they provided unauthorized access ( they called it suspicious caller ) to my account. A representative made a comment after reading the notes in my account " Oh this is bad ''. They apparently sent a Power of Attorney to someone but I received no form in my email account, which the caller could not even provide the correct email address per the representative. I would like to request the notes on the account so I can read what actually happened. There is a Freedom of Information Act which should allow this. My paycheck will be deposited and I will not be able to access it all due to someone being provided access to my account over the phone and online.