WillisBack/dataset-financial-user-claim huggingface dataset:
Im stuck financing a car with a XXXX % interest rate because i didnt know to much about interest or value or cars back then now that i know i want to get out of it within the last year I 've paid {$4800.00} in interest amd little to {$800.00} towards the princlple ... Dealerships tell me they cant buy my car until I pay {$5000.00} towards the interest I paid {$15000.00} towards the car and currently at {$14000.00}. I do n't have the money to keep making the $ XXXX monthly payments so was thinking of going to a side dealer, they told me they 'll give me {$7000.00} because thats what they could buy it at the auction for. This would leave me with the negative balance of {$7400.00} to pay back ontop of what theyll give me XXXX {$9000.00} Car im looking into ). I considered this option to see of it 'll get me out of the deal with this terrible interest rate im literally stuck with this interest rate and high payments to where i cant even pay extra towards the principle.
Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
I use an account service called  XXXX  to help out with my funding - which is fine and great! Until  WellsFargo dec ides to hold on to my transactions instead of sending and updating them live as they happen and actually even putting them in orders other than they actually occurred ( which is a whole other complaint ). But whe n WellsFargo holds  on to the transactions, it does n't allow my account with  XXXX  to update - causing me financial burdens! So far it 's been on hold since the  XXXX  and I 've had to manually update my account with  XXXX  because of this delay of data fro m WellsFargo. It should be posted and updated as the transactions occur, not several days later.      The attached image shows the recent transaction that occurred on the  XXXX  that  XXXX  was unable to see 2 days later because of the lack of updating my info.
I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.
Experian has repeatedly verified the accuracy of Bankruptcy XXXX XXXX which is appearing on my consumer credit reports. XXXX claims that their subscription to XXXX is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to Experian requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Experian 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experians claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Experian is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database XXXX XXXX XXXX that does not allow access to any personal identification information, removed from reporting on my credit files. Experians practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/Experian/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXX/Experian/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.
On XXXX XXXX, 2016 my husband went to Wells Fargo to send a wire transfer to XXXX XXXX in XXXX XXXX. Wells Fargo sent the wire wrong and the funds were never received by XXXX XXXX. On Monday XXXX XXXX, I went to Wells Fargo to find out what happened and why did XXXX XXXX not receive the money. It was discovered that the banker had used the wrong XXXX number. I was told that the funds would be recalled and sent to the right place and this would happen within 48 hours, 3 days worst case which would have been Thursday XXXX XXXX. I specifically asked what would happen if Wells Fargo could not get the money back. I was told that Wells Fargo would send the money and take it as a loss. On Friday, XXXX XXXX the funds had still not been received, so my husband went back to Wells Fargo. They told him that they would put the money back in our account next week and we would have to resend the wire, completely disregarding what they initially said they would do to correct the problem. I told the company in XXXX that they would have the money by Thursday XXXX XXXX, because Wells Fargo promised that it would be no later than that. Today Monday XXXX XXXX, I went back to Wells Fargo and explained that waiting for them to put the money back in my account is not acceptable when they already promised XXXX XXXX would have the funds by Thursday the XXXX. They told me that they escalated, but there was n't anything else they could do. That we would have to wait for them to get the money back and once they have the money back, they would put it back into our account. So I asked again, what happens if Wells Fargo could not get the money back, again I was told that they would take it as a loss. So I asked why they could n't just wire the money as promised, and Wells Fargo do the waiting for the money back? They said they could n't do that. What are my rights? Wells Fargo charged me {$45.00} to wire the money and charged us more than the exchange rate for converting to XXXX. How is this even legal?
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NY XXXX ( XXXX ) XXXX. Spoke to XXXX XXXX in the Dispute Department about XXXX XXXX XXXX reporting an individual account as a " Collections '' account on my credit report after the account has been settled and paid. The account was paid off on XX/XX/XXXX with a XXXX balance owed. Yet on XX/XX/XXXX XXXX reported to the credit bureaus this account as a " Collections '' account. The account was previously a bank card with XXXX XXXX XXXX XXXX. XXXX purchased the account and I settled with XXXX on XX/XX/XXXX with a XXXX balance. I believe to report this as a collections account in XX/XX/XXXX was a violation of the Fair Credit Reporting Act ( FCRA ) and was arbitrary and capricious. THERE WAS NO BUSINESS JUSTIFICATION IN XX/XX/XXXX TO REPORT THIS AS A COLLECTIONS ACCOUNT. XXXX XXXX, on behalf of XXXX refused to consider my request to correct this account on my credit report and to remove this information as " Collections ''.
I was told that the information that I disputed was correct and when I asked for evidence of factual documents, none have been received from Credit Bureau.
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. Equifax, XXXX and XXXX have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices
Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.
I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
we were buying a new home for the first time .. moved to AZ .. put required $ XXXX down on XXXX home . Loan officer acted like it was a great deal with our great credit. He did n't let us know, until it was too late to do anything about it, that his rate was 4.125 %. i contacted my XXXX who works at XXXX XXXX Bank and he said that was unheard of and not legal. The rates are much lower than that! He said to negotiate with them. They would just say, you 're locked in, and you can always re-finance! We told them we could n't afford that rate. They did n't care. We had to deal with at least a dozen people and not just one on our loan .. too many vacations! We 've written letters and no one cares. Even to the President of the XXXX Mortgage ( conflict of interest, they own it and 60 % of the XXXX title agency ) and the title agency. We 're XXXX and XXXX and we were taken advantage of. Our friend at XXXX 's suggested we file a complaint with you. Please assist in any way you can. Awful organization they are! and conflict of interest, since they own all three companies. Thank you. After this experience, we would never buy new again. They were all rude and we did n't receive their pamphlet on how to negotiate the BEST RATE until after they had locked us in. Nobody showed up at closing - only a notary and he could n't answer our questions. We called the loan officer but he did n't call back. Because i told them i was checking the rates with my friend, they supposedly STOPPED working on our loan. Thus, they kept telling us a date and changing it ..the moving company would n't put up with that and charged us for storage - {$1500.00}! we have had nothing but trouble with this house and no help. we made a long list of items that need to be fixed and have only seen a " door '' adjuster - 3 doors would n't shut. please help!
I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. 
I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. 
I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my mortgage.
This is a rebuttal to the previous complaint. 

There must be a mis-understanding. 

It was me and no third party that had these companies removed. 

Your response has nothing to do with my complaint and your response is a example of what i am talking about. 

The reason why you no longer see the companies during your investigation is because I challenged the debt and they was unable to prove debt so they was removed. 

Your company should be held liable for accepting invalidated reports. 

I have all the documents I used to have the debt Collectors removed from my credit report and are available upon request. 

Companies that i have removed myself from credit reporting agency. 
1 ) XXXX XXXX court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 )  XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX 
9 ) XXXX and XXXX XXXX, XXXX. 
10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX
This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.
I have been receiving several calls and mail from " I.C. System, Inc. '' with regard to an 'equipment balance due ', naming the creditor as XXXX . However, I never had such a charge from XXXX. I moved from XXXX to XXXX but returned my equipment on time and in person and am still a customer of XXXX ( with perfect payment history at that ). How do I stop these calls and ensure my credit file is unaffected? 

The listed account number is XXXX and I.C. System Reference No : XXXX Balance due : {$130.00}