WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.
We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter.
In accordance with the XXXX District Court of XXXX XXXX, MI dated XX/XX/2017.
Please send me a list of all the Class action court orders against Discover along with the amount that you were ordered to pay all cardholders. This needs to include all Federal, state and local court orders! Send it to XXXX XXXX XXXX, XXXX, MI XXXX Thanks XXXX XXXX XXXX I have sent Discover and their lawyers this letter 3 times with no reply
Bought a car in XXXX, totaled it XXXX ... On XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... XXXX times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
I made a deposit into my Chase account on Friday XX/XX/XXXX. It was a mobile deposit from a payroll check XXXX of {$1300.00} I should have XXXX available on the next business day which is Monday. And they said they were placing my check on hold for 7 business days. I would like to note this is not a re deposit item and it is not a new account. I called and ask for them to provide me the {$200.00} as stipulated by regulation CC and they stated they did not have to and were not required to do so. I have a disconnection notice from my electricity provider and I worked for that money there is absolutely no reason for the entire amount to be held for so long. I have been banking with Chase for some time now and they have clearly violated a federa regulation by not placing my check on hold for no good reason.
Cash payment was made into my business account in order to make purchases for a customer of mine, after three installmental payments from XX/XX/2016 ; then I was at my local Bank of America branch on the XX/XX/2016 to make some initial withdrawal to make purchases, then I realized that my account has been frozen and that there is a fraud hold on my account. I was a given a telephone number to call in order to find out what was going on as the bank teller stated that they do not have any information on the development. 
I called the number, then I was sent back to the branch for more clarifications. On getting to the branch again, I was not given any information apart from what they originally told me that there was a fraud hold on my account. At the branch, I was given another telephone number to call. They gave a name and the department, I was not able to speak with the person as every call I made to this number went to voice mail with the person saying that they were away from their desk. My account was placed on hold for almost three weeks, this hold affected my XXXX business, as I was not able to withdraw any money from the frozen account. All this time there was no communication between me and bank of America as to what was going on with my account. My accounts were closed without any notification, this affected my direct deposit, which in turn affected my mortgage payment, as I was not able to get my salary on time as a result of the account closure. 
Eventually, I got a letter from Bank of America on the XXXX of XXXX stating that they are sending me the money in my closed accounts, however the payment will be short of {$1800.00}, and the explanation given was that the money is not due to me. Also they mentioned financial irregularities in my account without any evidence or proof. As at the time of this letter, I have not been able to have a conversation with the department in charge and I have not received any call back or a letter showing evidence of irregularities. Also, it was mentioned in their letter that I might be reported to XXXX, and XXXX and consequently I might not be able to open account for about 5 years.
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a  XXXX . Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.
JP Morgan Chase has illegally filed a negative report on my credit that is not true or accurate. I 've been disputing a missing mortgage payment for {$3700.00} plus late fees that accrued since XXXX. Chase finally, after me sending in proof of payment to Chase from XXXX XXXX XXXX, updated my records but it took nine months and three complaints to the CPFB to get them to listen. 
Chase told me my banking records and illegal late payment fees would not affect influence my credit score when I asked them but I was recently denied a loan because of it. Chase writes in my credit report that I have a Maximum Delinquency of 30 days in XXXX for {$4500.00} and in XXXX for {$4600.00} which is not true or accurate.
THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME
When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































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Yes I have repeatedly asking Midland credit company not to call me, for I have no income, at this time and they can continue to call me at all times of the morning and or night repeatedly and I want it stop. I am currently on short term XXXX because I am XXXX with my XXXX and these calls only causes my XXXX to escalate further. The man name is XXXX and is calling from XXXX XXXX and I want this company to stop it. Also I am receiving consistantly calls from Minnesota at XXXX XXXX that I want to stop. Calls from Arizona XXXX XXXX, XXXX FL XXXX and XXXX FL XXXX XXXX, I know this is this same credit card company attempting to contact from different locations. I want this harrassment to stop.
COMMONWEALTH FINANCE   XXXX   XXXX   XXXX     XXXX , PA  XXXX  (   XXXX   )  XXXX  Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is  XXXX . This is no the same complaint for  XXXX
I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded
My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.
I have had over XXXX inquires that i didn't authorize. I had submitted a credit report score for loan purposes and the score came in the mail saying my score was XXXX which is impossible. I also recieved 2 others and my score has remained the same for years.. it usually is XXXX and the lowest it reached was XXXX which then was the time i recieved automobile solicitors calling me by the day and night. I also started recieving auto insurance company 's calling all day also. I know i only applied for a personal loan with XXXX company 's. And i can recall two of them calling me saying my loan application had be accepted and i was gon na receive funding in 24hrs. I submitted the verification information they required and i was told my funding would be deposited into my checking account the next morning. That my score was XXXX. I agreed with the amount and amount to be paid back. I was then transferred to a credit repair company who insisted i needed to give information as a assurance procedure since i was granted the loan. My credit score since these interactions have been all screwed up and my loan also never was recieved. This was a process that was used on me at least 5 times, thinking i was recieving the loan as promised and each time having been mislead and manipulated about the funding i needed and my credit score sumhow being effected by extreme measures. The companies i referring to are as follows.. XXXX, XXXX XXXX and XXXX.. also XXXX credit repair XXXXXXXX XXXX which multiple times attempted to charge me money saying it would come out of the loan amount i never recieved yet took my account numbers to any possible accounts i had. Very unprofessional results and manipulating sales pitches and technics. The department of XXXX XXXX also has done sum kind of report that is misused its authorized access. I have paid plenty and should not be penalized for my XXXX son whom is XXXX old now and i paid alot of the amount owed more then 85 % of the total. Please look into these reports against my credit i have not done this to myself. And how could i receive a XXXX credit score?
For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.
This dispute involves XXXX XXXX Bank and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all 3 credit bureaus ( XXXX, Experian, and XXXX ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX   '' and I, informed XXXX XXXX  of our finicial hardship. We ask XXXX XXXX  to work with us and informed iloan of our goal to avoid Chapter XXXX   bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX  to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX  i ask why my interest rate was set sooo high.

I am Veteran in process of becoming a XXXX  Veteran.

XXXX XXXX  has also threatened to sue me and refused to work with me.

I have not recieved a default letter by mail nor e-mail XXXX XXXX  refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms.

XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments.

I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan.

I was never sent a default letter my email nor by mail, XXXX XXXX  is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.
On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help me!!!!
I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.