WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately. 
The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information inf my credit report, or my authorization of relase bearing my signature. In the meantime, to be in full compliance with FCRA Laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further admised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623. ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgement- all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fradulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within 30 days, I will be filing a complaint to the Federal Trade Commission, and Consumer Financial Protection Bureau. 
Failure to respond in a satifactory manner within 30 days of receipt of this letter will result in a small claims action against the TRANSUNION Credit Reporting Bureau. I will be seeking no less then XXXX in damages for, but not limited to 1 ) Defamation 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX
Citibank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
This is a follow up on case XXXX. The Bank responded by removing some wrong information from my credit. As said before, while paying them interest and principal from XXXX to XXXX, the Bank charged me interest for that same period. This added to " {$86000.00} '' ; said the Chase Bank. This money was added to my principal while doing a modification. It is obvious that I will be making interest payments XXXX and in addition, since it was added to my " NEW '' Principal, I will be paying interest again on those two previously paid interests.
Chase Freedom Credit Card Special Offer Received in the Mail Regarding Balance transfer on XX/XX/2016, for {$14000.00} at XXXX percent interest, XXXX percent transfer fee which totaled to {$290.00}. 

I recently received a special offer in the mail for Balance transfer with the above terms. I do not have a problem with the disclosed information or the above terms. 
What I have a problem with, is the monthly minimum payment rate of XXXX percent of the monthly open balance. This minimum monthly payment of XXXX percent of the monthly open balance was NOT disclosed, which I find to be a deceptive practice. Presently, I am being charged over {$700.00} a month for the minimum payment. In my opinion, this is excessive, was not disclosed in the special offer, and when I checked the Chase Credit Card web site, I was unable to find this inflated minimum payment rate. 

My wife, XXXXXXXXXXXXXXXXx, with XXXXXXXXXXXXXXXXXt card ending in XXXX had a similar offer, that monthly payment rate is XXXX monthly of the open balance.
Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.
There were several disputes back and forth regarding service that were not rendered. A settlement of {$1200.00} was paid XX/XX/2016. They sent a new statement on XX/XX/2016 that they found new charges. I called and they said they just found them. I explained that our account has been settled and paid.
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX  ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.
GM Financial is reporting inaccurate payment history on my credit report for account # XXXX. I have filed disputes with all three credit bureau 's. GM Financial is reporting 30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 day late payment for XX/XX/XXXX on the previously referenced account. The account was paid if full and closed on XX/XX/XXXX. I've made numerous phone calls to GM Financial customer service for approximately a month. They have corrected payment history with XXXX but have yet to submit a correct payment history with XXXX. They have also provided me with letters that reflect the account was satisfied in XX/XX/XXXX. This inaccurate reporting is impacting my credit score significantly. I am in the process of obtaining a mortgage and this inaccuracy is preventing me from doing so. The score simulation on XXXX 's website indicates a positive change of greater than 50 points if this inaccurate reporting was corrected by GM Financial.
I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.
Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today,  XXXX   XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title   company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today    XXXX   XXXX   XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.
I used my Macy 's credit card, issued by Department Stores National Bank, in-store for a purchase of about {$65.00}. I had moved since using the card last, and asked the cashier to confirm my address on file. She said my address on file was correct. I never received an invoice for this charge. Six months went by, and I never received an invoice by mail or email. The bank did have my correct email address on file. The only reason I realized I had an outstanding balance was because I checked my credit report. They charged me {$150.00} in late charges and interest fees and were unwilling to work with me on this. After calling, I found out the only way to dispute the charges was via mail or fax. I did that, and I just never heard back from them at all. I fully paid the {$150.00} to avoid further damage to my credit report. I found this bank to be very unprofessional, in their lack of contacting me. I am very disappointed to have had to pay such a large amount of late charges, and having a black mark on my credit report.
I called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.
I have tried on several different occassions to resolve this issue with the credit bureaus regarding  XXXX  accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!
I have closed on my FHA XXXX loan over 3 months ago, I took out a XXXX loan so I could have the roof replaced after I bought the house. The roofing company I chose got half down for the roof and supposed to get the other half after the roof was replaced and all inspections have passed. The roof has been replaced and all inspections have been passed over two and a half months ago. The money store is refusing to pay the roofers roofers and continue to ask for more financial information for their " investers '' ond saying they will not pay the roofers unless I give them all the info they need.I have cooperated fully, now it has been almost three months, the roofers are still not paid and they are going to put a lien on my house. The money store continues to ignore my phone calls
XXXX will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from XXXX XXXX and XXXX on XXXX XXXX,2017 .XXXX called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from XXXX  XXXX.XXXX is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.
In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. 
PLEASE REMOVE
On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX  and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time thank you
The finance person at XXXX Nissan kept told me that it was required for me to have all of these extras financed into my auto loan. Upon reviewing other standards, the extras such as gap insurance and required warranteys are not required. I over paid, and could not afford my payments, and they reposessed the car. When they repossed the car, they did not tell me what was in my car, nor the company would not give me my items even though I offered to pay the fee. The items were destroyed.
On XX/XX/2018 my wife and I went to XXXX XXXX XXXX # XXXX in XXXX MA to purchase two car seats during their going out of business sale. One was more expensive than the other. We paid with a Bank of America debit card. This transaction was for {$100.00}. 

When we returned home, my wife noticed that we were overcharged by {$8.00}, and she noticed that the cashier had scanned the more expensive seat twice, probably thinking they were the same. She returned to the store to explain the situation, and the cashier explained that due to their bankrupcy no refunds or exchanges were possible, however the manager said the only way to do this was to " post-void '' the transaction and re-ring it for the right amount ; {$99.00}, which was done. 

A few weeks later when reconciling our statement, we noticed that both charges were still there, and our account was {$100.00} short. By this point the store was closed and there was no way to get help from the retailer, as XXXX XXXX XXXX was gone. So called Bank of America and explained the situation. They put in a dispute for us, and gave us a temporary credit of XXXX. A few weeks later the credit was revoked suddenly ( putting our account negative ) and a letter was sent saying that our dispute was denied. Over the next few weeks we faxed receipt, re-opened the dispute several times ( they kept closing it, claiming they didn't receive our faxes even though we sent them from Bank of America branches with employee assistance ) and provided a scan of the void transaction receipt the manager gave us. The Bank of America lawyers state that because my wife signed the first receipt for XXXX the charge is legal, and the post-void doesn't mean anything. They also told me that technically no transaction could ever be post voided, and XXXX XXXX ' XXXX, knowing this, effectively stole from us. I questioned if, that being the case, Bank of America would stand by us, and they said the lawyers have tied their hands to help, and I had to accept the loss.

At the end of the day we paid for 4 car seats but only received 2. We allowed the second charge in good faith that the first one was post voided, per the receipt we received. If XXXX XXXX ' XXXX had provided us with 4 car seats, why would they have presented that post void? Bank of America has copies of all this documentation, but I can provided them again on demand. 

If the first charge stands, due to some odd legal loophole ( even though I did not received the goods described ) then the second one is fraud because I did not receive any merchandise at all. 

Thanks for anything you can do.