WillisBack/dataset-financial-user-claim huggingface dataset:
I began aggressively disputing the below accounts since  XX/XX/XXXX  when I noticed they was charged off.  <P/>  1  )   XXXX   XXXX    XXXX   2 )   XXXX   XXXX   XXXX  3 )   XXXX    XXXX   4  )  XXXX  ( FOUR ACCOUNTS )  XXXX   5 )    XXXX   XXXX   XXXX    ( been disputing since   XXXX   XXXX   )   XXXX  My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting.  <P/> In response the credit bureau s 1 )  told me the debt was valid,  2  ) reported it as fraud and  3  ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint.  <P/> Because of their response, although neither of which was my complaint, I then sent TWO letters (  XXXX  and   XX/XX/XXXX    )  asking for validation for the debt since they were stating it was a verified debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me.  <P/> Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation.    2 )  The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules.    3 )  The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
My problem is with Wells Fargo, they are the servicer of my FHA mortgage loan and they are refusing to give me a chance to save my house. They are not assigning a dedicated contact to review my information, they are not even opening a case to consider my financial situation and have set a foreclosure auction date to sell my home. I feel this is wrong and that they should be allowing me to be considered for options to save my home because I suffered a true hardship, but am now in a more stable financial status. 

I worked as a XXXX for 12 years but was hurt on the job in XX/XX/XXXX. I had enough money saved to continue making my mortgage payment to Wells Fargo for a few months. I had applied for workers compensation but this took several months to get approved. When I ran out of money in XX/XX/XXXX I could not afford my mortgage payment because I still had not received the workers compensation money. After I was a couple of months behind someone from Wells Fargo contacted me and I told them I needed help and needed to be reviewed for the programs set up to help people who are behind on their loan. However, despite several attempts I have made no progress with Wells Fargo. Instead of opening a review for the different programs that I know should be made available to borrowers with FHA loans Wells Fargo has set a sale date. 

I am now receiving my workers compensation and also able to do some part time work. I also have rented out some rooms in my home to boarders so that I have enough income to afford my bills and mortgage loan payment. I want nothing more than to resume making the payments on this loan all the way till the end. My problem is that Wells Fargo has not given me a chance to be considered for these programs. I have spoken with a counselor who told me that Wells Fargo is required on FHA loans to review me for modification, partial claim, forbearance plan or repayment plan, not to ignore me. I am also aware of the fact that Wells Fargo received approximately XXXX dollars in bailout funds from US taxpayers and that they are supposed to work with struggling homeowners. My problem is that I ca n't cut through the bureaucracy at Wells Fargo and get them to play fair and work with me to resolve this problem.
I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.
I was renting an apartment from a complex called XXXX XXXX XXXX in XXXX, TX. I was required to pay my first and last months rent up front. I gave them my 30 days notice when they gave me my renewal notice on the last month of the contract. Now I have debt collectors calling me saying that I owe the complex {$2600.00} for breaking the lease, even though I did n't break the lease at all. The only reason I put in my 30 days notice to leave at the end of my contract was because of the lack of promised amenities, such as pool and office, and the apartment units not being up to code. ( I.E. black mold, faulty electrical outlets, rotting balconies, sliding doors that would not lock creating security issues, maintenance said there was nothing they could do about, neighbors roof caving in, etc ).
My mortgage was taken over by Selene mortgage from XXXX XXXX XXXX. For the first 5 months I couldn't get a bill from them. I paid online. In XX/XX/2018 I recieved a bill from them f ok r XXXX $ my mortgage was XXXX . When I called to find out why they told me my escrow account was XXXX $ in arrears with XXXX. I called XXXX and they told me that my account was in good standing when it was sold. So I called selene back and told them that. XXXX offered to join a three way call but selene declined the offer. Selene told me I had to request a review which I did on XX/XX/XXXX and it would take 2 weeks to complete. I waited 3 weeks and called to find the outcome. They told that I would have to submit another request in writing. Which I then did. At that time I was told to mail my XXXX $ payment that they would hold it until the review was complete. Which I did. I hadn't heard anything and it was the first week in XX/XX/XXXX. I called then and was told they were returning my check. That the review would be completed for sure on XX/XX/XXXX. It is still not complete. They have now put on my credit report that XX/XX/XXXX's payment was late. XX/XX/XXXX us due now. This company is awful. Can you help?
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.
A credit inquiry was done on me today which I did not authorize by CredCo out of XXXX XXXX.
Experian is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong to me.
Two years ago, I sent the below message to Senators XXXX and XXXX. I have yet to see any action. Is it time to give up and consider all politicians do not respond? My situation has been resolved after about 6 months of back and forth letters, but what about the unfortunate people who ca n't afford to close their account? SLS actions border on criminal! 
XX/XX/2015. 
Senators XXXX and XXXX : Please have someone look into the unethical/illegal practices of Specialized Loan Services ( SLS ) Corp based in Colorado. In our particular case, our HELOC was sold from XXXX to SLS. After reading about SLS, which is really a debt collection agency, with all of it 's tactics, we decided to payoff the HELOC and close our account. Two months later, we still ca n't get a correct statement from them in order to ensure the lien against our property is satisfied. Rather than give you more particulars, I believe it would be best if your staff googled " SLS Complaints '' and read about their tactics. There are some very unfortunate people being taken advantage of ; some being threatened with losing their homes over a " missed '' {$50.00} payment. I say " missed '' because SLS does n't cash the check and then the " fun '' begins. This outfit has been in business at least 8 years and it is overdue to be investigated.
In XX/XX/XXXX- XX/XX/XXXX my son XXXX  attended XXXX XXXX XXXXXXXX XXXX XXXX . He had taken out a student loan and I do remember co-signing. Not sure of anything else, it was in XX/XX/XXXX. My son made the arrangements to repay his loan. I was going thru a divorce and filed bankruptcy in XX/XX/XXXX. I completed the bankruptcy in XX/XX/XXXX. After the bankruptcy, I started getting notices from Navient. Never heard of them before. I received e-mail, mail, and phone calls telling me what I owed and what my monthly payments are. When I called they would say XXXX   's account is up to date. I spoke with Navient on several occasions to send me a copy of the amount borrowed, interest, penalties and terms. Because as far as I know I only co-signed XXXX 's loan. I spoke to several people. This is totally confusing to me. One says if I pay {$50.00} they will stop it from going to my credit report while they get the information I requested. Another one tells me I have to catch up with one time payment of over {$1400.00} and than my monthly notes would be around $ XXXXOn several occasions the callers was very rude. I stopped answering the calls after I told them I will discuss this matter after I get the information I requested. I get calls starting as early as XXXX XXXX to as late as XXXX XXXX including weekends. I've called several times to explain that I am not comfortable paying out money over the phone to a company that will not provide me with the information on the account ( s ). If you are collecting money they should be able to provide the information. My personal data has been compromised twice in the past 4 years.I don't know if this is a scam.
I bought a car on XXXX XXXX and the temporary tags expired yesterday XXXX/XXXX/2016. This car needs to be registered XXXX although it was bought XXXX. My mother is on the loan and car with myself and she resides XXXX which is why it needs to be titled and registered there. I will also be returning to XXXX to live within a few months as well. The dealership sent me the memorandum title but i need the official title which is held through my lien holder-fifth third bank. I went to the XXXX XXXX messenger center in XXXX XXXX in order to handle all of the required payments to title the car XXXX. They need the ORIGINAL title from 5th third and have sent several forms to the bank asking for the title. Fifth third will not respond to their requests and when I call they tell me it is not their problem and that they ca n't issue the title and either blame it on the dealership OR the state of XXXX. I am now unable to drive the vehicle which i need for transportation to and from work.
The reason for my filing of these complaint is to state that capital one is being un reasonable. I had disputed late payment history of my cap one account ref number : XXXX XXXX XXXX on XX/XX/XXXX. This account was closed on XXXX with late payment around XX/XX/XXXX. I stated clearly to Capital one all the errors from system to bank reporting that occurred that made me not to be able to make payment in time. 

Capital one representative advised me that they make good will adjustments for system error and medical issues. As a result, Capital one requested me to provide proof of my not being able to make my payment. I sent capital one a letter from XXXX XXXX that explains the error and shows I had over {$16000.00} in my bank at the time the payment was due. It was never my intention to be late in paying my obligations with this company. Were it not for the system error, I would have maintained my 100 % credit record. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one executive resolutions flatly refused to remove the late payment history, I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Attached herewith are : 1. Dispute letter to capital one 2. XXXX XXXX Proof of system error.
Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX
My applied to refinance the Home equity line of credit. They wanted my income for the loan calculation. At no point did I authorize them to pull my credit report. Nor did I sign any paperwork regarding this new loan. The following day I get an alert they had pulled my credit report.
It was reported on XX/XX/2016 that there was an amount that I owed Bank of America after they already closed my account. That amount still appears as unpaid on XXXX XXXX XXXX XXXX Today, I went to Bank of America and they told me that I don't owe them any amount, that it was already paid for.
Bought XXXX dollars in Ethereum. Entered in my correct birthday information on the website, but I accidentally entered in my age wrong when setting up a XXXX to link the money to as under XXXX I have n't been given an option fix the date and instead my account is just suspended. Sent them pictures of my drivers license and later got an E-Mail that they were unable to verify my drivers license, but when I go to the website, it says my identity has been verified but my account is still locked from buying and selling.
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.
I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however XXXX and Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. Both XXXX and Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed. 

see previous XXXX complaints : XXXX - Original hack from XX/XX/2018 XXXX - New complaint with XXXX directly
I called to inform Navient that my mother had passed and that all the expenses for everything ( travel for my XXXX sisters and I, along with arrangements ) were coming out of my pocket. I already had a balance and said that I would be willing to work with them to resolve the balance, but I needed the next 4 months of payments to be postponed because of the $ XXXX in arrangements that I had to pay ( so far ). The only thing they did was tell me they could lower my payment by {$100.00} but it would have to be automatic payments. I said I would pay the {$680.00} to get my account up to date, but would not be making payments for something I could not afford over the next 4 months. The supervisor then said that she would no longer enroll me and that I had no options, and refused to work with me any further other than take a payment.
I had a two accounts at chase bank, Sunday everything was fine come Monday I tried to use my debit card and the card was declined. I called Chase Bank and was told my accounts were closed and no reason could be given. My chase accounts were in good standing, no overdraft, funds stayed above a certain limit. Im stuck and confused, they really could not give me a reason why the account was closed the representative could only say they have no reason and when I receive an official letter that as well will be vague. I am highly disappointed and very angry.
1- They do NOT respond back within the 30 days deadline nor at any time. 2-They keep posting that I have made payments on the accounts when the accounts have been closed for years. 3-Especailly MIDLAND FUNDING. They have refused to accept a Certified Letter from the Court that notifies them that they are being sued for violating the XXXX 1692XXXX of the FDCPA. An employee looking at their computer screen, seeing my name listed in their database is NOT VERTICATION of any alleged debt.
I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for it.
I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple inquiries to All credit reporting agencies including Transunion. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on  XXXX   XXXX . They again resent a letter explaining what a inquiry is. They have failed to respond to  two requests now  to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.
I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...
Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.
Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ). 


Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX   Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX. 

We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview. 

XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection,  www.consumerfinance.gov. 

Sincerely, Your XXXX Customer Relations Advocate XXXX  Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX
I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures/dob/ etc
IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof.