WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/ Madam, Experian claimed that they do investigations and it takes time to respond, I have sent a complaint against Experian on the XX/XX/XXXX they responded the very same day, this is how they investigate, they just copy and paste the same answer over and over and disregard the damage that they have caused to my credit report. Therefore, I will be submitting a complaint to the State Attorney General and to the Better Business Bureau and to the FTC, at the meantime. My Personal Attorney is preparing a Big Lawsuit against Experian for all the damages and losses that they caused to me and my family of keeping a public record on my report that does n't belong. They will pay all the losses of thousands of dollars to me. I have read and understood the entire law of the FTC very clearly, Experian has violated the verification law and was very contradicting, I have saved all letters, emails, responses that I have received from this frivolous Bureau that do n't seem to have any regards towards consumers, I will also publish my complaints to the local and national newspapers against Experian and let people know what an abortion system Experian has. Verification according to XXXX XXXX Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have first hand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does XXXX XXXX, the main public records source for the credit bureaus. If someone verifies but they do n't have first hand knowledge, then its not verification. I think it 's for Experian better interest at this time to delete all info and send letters of apologies before they get hit with unexpected consequences that could harm their reputation forever.
In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance
Dear CFPB cfpb - Case number : XXXX is to combined with THIS case as you required extra information, being that there is NO place online to add the extra information required, I find it prudent to resubmit in full. I spoke with customer service who advised me to go online and add what is required, as this is NOT possible, I will fix the problem by resubmitting. Thank you for your understanding in this matter. 

NOTICE OF NON-COMPLIANCE / VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT FORECLOSURE FAIRNESS ACT AND THE CONSUMER PROTECTION ACT. 
COMES NOW, XXXX XXXX XXXX and XXXX XXXX XXXX, ( Hereinafter referred to as " Homeowners '' ), to file this NOTICE OF NON-COMPLIANCE I VIOLATIONS OF THE WASHINGTON DEED OF TRUST ACT ( DTA ) THE FORECLOSURE FAIRNESS ACT ( FFA ) AND THE CONSUMER PROTECTION ACT ( CPA ) including but not limited to, in order to set aside Homeowners ' Deed Of Trust ( DOT ) for fatal defect, and subsequent erroneous filings by pretender Lenders and the Loan Modification in this matter as follows :
Subject : Chase Private Student LoansSchools attended : The University XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX elected to defer my loan principal and interest while in school. I was graduated in XXXX XXXX from XXXX and I have been making the required payments since XXXX/XXXX/XXXX even before the grace period. After capitalization, the principal balance stayed constant at {$16000.00} from XXXX XXXX to XXXX XXXX although I was making payments. Again, the principal balance stayed constant at {$15000.00} from XXXX XXXX to XXXX XXXX although I was making payments. 

I requested explanation from Chase Student Loan Customer Care why the balance is not reduced with every payment like when I use online student loan calculators that are showing more than {$20.00} reduction in principal with each payment. Chase response was that the payments are applied first towards the interest, then fees and other charges if any, and then the principal. No more explanation was given although I asked a response from a supervisor and clearly stated that it seems I will stay making payments forever! 

My cosigner helped me to understand how this is working. It seems that Chase intentionally is sending statements with underestimated payments that would keep me paying interest only without seeing any reduction in the principal. For example, I paid {$200.00} on XXXX. The statement came back with a required payment of {$120.00} by XXXX. This {$120.00} is less than the interest amount I calculated ( 10.75 % x {$15000.00} / 365 days x 31 days = {$140.00} ). 

I think this is malpractice. I believe student loan statements shall be as accurate as possible showing a Good Faith Estimate which seems not the case for Chase Private Student Loans. How I am going to pay off my loan if I follow the statement and pay only what is required! I would be losing hundreds or may be thousands of dollars each year if I follow their statements. 

In addition, Chase sold my loan and is transferring it to XXXX XXXX XXXX ( XXXX ) by the end of this month. 

Would you please look into my complaint and attached documentation? 

Thank you,
Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.
For years I struggled managing my debt. In XXXX I was contacted by Navient. They helped me process a payment schedule based on my income. The result was a XXXX  montly payment for two years, while the interest accrued. Then in XXXX XXXX, Navient offered me an XXXX of XXXX on XXXX worth of consolidated loans. I do n't see how I will ever pay this debt off.
I ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is XXXX
Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.
Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?
I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.
equifax fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
I opened my credit card in XXXX, and I finished all the spending requirement on XXXX XXXX, after few weeks, I had n't got any bonus from XXXX, So I online chatted with them 2 times, the answers were just waiting. after 12 weeks, still no bonus posted, then they opened a case for me. but now already 1 month later. still, nothing coming to my account.
On XXXX XXXX I looked at my credit card balance with USAA credit cards. I had noticed that my payments did not process. My payments are due on XXXX. So I immediately made a payment and called the bank. they charged me {$25.00} for each late credit card and this put my card over the limit. I asked them to please waive the late fee and they said no. I have never been late. I find this unreasonable. On XXXX I received an alert from a credit reporting agency that USAA had reported that I was late and that I was over the limit. This is also very unreasonable. The only reason I was over the limit was because of the late fee. This affects my credit which I have been perfecting for sometime. THis is bad business. I as only a few days late. This is not the XXXX time that I have had problems with them. I reported them a few times last year for closing accounts without notice.
I did hold a credit card account with XXXX issued by Synchrony Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing zero balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since XX/XX/XXXX till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but Synchrony Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against Transunion and XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..
They call my cellphone and workplace frequently. Debts are beyond statute of limitations and have been bought and sold multiple times. I have paid off the accounts and they keep calling and sending letters.
This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to XXXX XXXX XXXX and XXXX and experian. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against XXXX XXXX XXXX XXXX and experin and I will put discrimination case too, I will approach leagally a lawyer.
After numerous iterations with the bank things were finally resolved as far as the amount of a payment on XXXX/XXXX/16 during a conversation that I had with one XXXX around XXXX. I was told that I would be debited XXXX per month starting XXXX XXXX and that I would be billed XXXX for XX/XX/XXXX and XX/XX/XXXX and that I should not do anything until I receive the new bill. On XX/XX/XXXX ( ~XXXX ) I called again and spoke to one XXXX ( sp? ) who informed me that once the direct debit is set up they will not send a bill - which had been set up in XX/XX/XXXX. I was specifically told that the XXXX/XXXX/16 direct debit would be in the amount of XXXX and that I must send in a payment for XXXX that must be postmarked no later than XXXX/XXXX/16. I remitted the payment as instructed and have proof of payment on or about XXXX/XXXX/16. On XXXX/XXXX/16 I discovered that a unauthorized direct debit in the amount of XXXX had been processed against my checking account. I called the bank ( XXXX, XXXX XXXX requesting that the debit be reversed as it was not an authorized amount and was told that a ticket would be opened and that I would receive a call back within 3-5 days. I explained that this had the potential for overdraft fees to be incurred and requested that the matter be escalated to the executive office : I was told that they would not do so, but would have a supervisor call me. I received a call later that day from XXXX XXXX who also refused to open an executive office compliant, but who gave me an email box that I could complain to. On XXXX/XXXX/16 ( ~XXXX ) I received a call from XXXX telling me that they were processing the refund, but that there was no information as to the form ( I requested that the money be direct deposited to the account that it was taken from - an account within the same bank ) or the timing of said payment. Finally today ( XXXX/XXXX/16 ~XXXX ) I received a call from XXXX informing me that the refund would be issued with a check being cut XX/XX/XXXX or XX/XX/XXXX that we should receive by XX/XX/XXXX or XX/XX/XXXX. I explained that this was unacceptable and that I wanted this matter escalated and was given the name and number of his superior ( XXXX XXXX ) - I called and left a voice message but have not yet heard back. 

It is totally unacceptable that a bank of this size should be unable to correct THEIR mistake and that it should take up to 20 days to return funds that were never authorized to have been removed from my account.
The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX   years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home.
Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?