WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has been non-compliant with removing the unverified account BK OF AMER which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that BK OF AMER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
I 've filed disputes with Experian, XXXX and XXXX  regarding this. I sent the disputes via certified mail and verified receipt. I would like a copy of the promissary note that XXXX XXXX XXXX is claiming I signed in order to receive said loans for the following accounts # XXXX, # XXXX and account # XXXX. I received information from XXXX that the information was " verified '' and " updated ' but what are they verifying? Whatever it is I would like a hard copy of it. You cant just " update '' someones records without providing them with a copy of it. I am not just going to accept it was " verified '' WHAT WAS VERIFIED???? I 'd like a copy of it. If we had to go to Court the Judge would want to see a copy of the promissary note with my signature attached. I do n't recall any of these loans. I would like a copy of the promissary note and or any documentation proving I owe these for these accounts. It is not fair that Creditors just " update '' please provide consumers with exactly what you found that lead you to your finding in fact. A fair solution would be to remove/DISCHARGE these accounts from my credit report IF you can not provide the copies of the promissary notes with my signatures attached.
XXXX from XXXX and XXXX keeps calling me on a debt that I have paid three times on. I am actively pursuing legal action as it is damaging to my good name, credit, and character.
I received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter
I applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. 
I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my  repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!
The servicer for my mortgage is engaging in a systemic pattern of delays in responding, XXXX logins and updates requiring new registration increase the likelihood of late payments. 

Facts : * My home loan is with XXXX XXXX.They utilize XXXX XXXX XXXX XXXX XXXX ( XXXX ) as their servicing firm. The website for payments is XXXX XXXX XXXX * Every month, I enter the same UserID and Password I used the prior month. Every month, it does n't work. Every month, the website flashes a message stating " Please contact us via email so that a Customer Service Representative may help you access your account. '' Every month, they wait 5 to 7 days to reply. 

My payments are due on the 1st : * XX/XX/XXXX : I needed to make my first payment. I contacted XXXX  because the servicing site would not allow me to register my account * XX/XX/XXXX : I was finally able to log on to servicing site, and submit my payment. 
* XX/XX/XXXX : Only time in the short servicing period was I able to log on without assistance. But, it proves I did know my User ID and password. 
* XX/XX/XXXX : Account locked out. Per website instructions, I emailed customer service ( for loan servicing : XXXX ). 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Account locked out. 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Emailed Mortgage holder 's help address ( XXXX ) regarding the horrible experience I was having with loan servicing. They apologized, and gave me a special number to call. XXXX said my account had an old loan on it, and she deleted it. 
* XX/XX/XXXX : Account locked out. Emailed both loan servicer and mortgage holder about persistent login issues. 
* XX/XX/XXXX : Received notice from loan servicer that I would need to re-register my account because they had upgraded their website. Their message told me the loan number to use for future questions. 
* XX/XX/XXXX : I need two previous statements, so I tried to log in with my newly re-registered UserID and password. They do n't work. Website looks different, so when it suggested I re-register, I presumed it was a new website from their development efforts. I entered my loan number ( same one as received in the XX/XX/XXXX message above ), but system says I do not exist. No one to contact.
ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed. 

In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all. 

Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair. 

I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.
On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian.
The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.
1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. 

Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).
i made settlement on this, now they reporting I still owe. I was informed the settlement would be paid in full.
Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.
In XX/XX/XXXX, I advised Chase I had lost my job. I was granted a forebearance for six months. I found a job in XX/XX/XXXX. I applied for loan modifications beginning in XX/XX/XXXX through XX/XX/XXXX. I contacted an attorney in XX/XX/XXXX. In XX/XX/XXXX, Chase advised me they would begin foreclosure proceedings. I filed for Chapter XXXX in XX/XX/XXXX. In papers provided by Chase on XX/XX/XXXX, I was advised {$18000.00} was in arrears. Chase has now doubled that amount. It seems Chase continues to discriminate against minorities, specifically, XXXX and the elderly. They continue to add on costs to inflate these fees. I have been in this house for 20 years, and it seems I owe more than the purchase price. Chase needs to be held accountable for its mortgage practices against XXXX.
I have a Chapter XXXX Bankruptcy that was discharged on XXXX/XXXX/2016. In XXXX I started disputing items on my Equifax credit report because they were not updated and my bankruptcy was not in my Public Record section. I attached my Discharge to my dispute and some things were updated while others did not. I filed a second dispute with the same information. When I complained I was told to call their problem resolution line. I explained to them that not only, had I submitted my actual discharge to them, but they were the only credit reporting agency that had not updated my credit report. I was told by Equifax that the Court had to electronically notify Equifax. I called the Court and was told, Equifax just needs to pull it from the Public Record. I called Equifax back and told them what the Court had said and again Equifax told me that the Court needed to send me something. So now I am asking the FTC to step in and help me get the Bankruptcy added to my Equifax credit report.
With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.
They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!
I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My Credit Report.
On yesterday, XX/XX/2018, I received a Bank notice in the mail that documented : " Here is your Personal Identification Number : XXXX  ; For your Card : XXXX ; You can use your PIN to access your accounts 24/7 with your Chase Debit Card or ATM Card at any ATM. If you prefer to change this PIN, please visit your nearest Chase branch. If you have questions about using your card, please contact us at : ( XXXX ) XXXX ; Quick Tips about protecting your card *Never write your PIN on your card or anywhere it can be discovered - like your wallet or your purse. ; *Never leave your transaction receipt behind. ; *Never give any information about your card or account to a stranger or to anyone who calls you over the phone. ; and *Be aware of your surroundings as you approach the ATM and while conducting your transaction. NOTE : If your card is ever lost or stolen, please contact us immediately at the number listed above. '' On or about XX/XX/2018, I visited a Chase branch to change my personal checking account PIN ( my " exact same '' checking account referenced above in this writing/filing ) from the " Personal Identification Number '' documented in the Chase Notice received on yesterday. I have " repeatedly '' requested, that this bank ( and bank representatives ) change my PIN # back to my " NEW '' PIN # ; CEASE and DESIST their ongoing practiced reprisal/retaliation and DISCRIMINATION ( locking me out of my personal checking account ) by using my " old '' PIN ( used prior to XX/XX/2018 ). I have NEVER wrote my NEW/OLD PIN on my card or anywhere that can be discovered-like my wallet or purse. ; I have NEVER left my transaction receipt behind. ; I have NEVER given any information about my card or account to a stranger or to anyone who have phoned me. ; I am aware of my surroundings ( to the best of my ability ) as I approach any ATM and while conducting my transactions. Chase bank, maliciously changed my personal checking account PIN " internally '' back to my " old '' PIN ( after I have already visited a branch and specifically changed my personal PIN. Therefore, it is the banks job, to change my PIN back to the PIN # chosen by me on or about XX/XX/2018. ALL supportive documentation, will be faxed to the CFPB. THE END!
You will see in Letter one, sent XX/XX/2018, received CERTIFIED MAIL XX/XX/2018 @ XXXX XXXX., EXPERIAN sent back a response stating things have been VERIFIED but they failed to answer my SPECIFIC request stating " Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the ORIGINAL signed consumer contract-any and all accounts you post on a credit report. '' " I demand to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' ( SEE ATTACHED DOCUMENT ) They sent back a letter stating they have verified and updated my report. They did not follow my demands and send me any verifiable proof. 

XX/XX/2018, more than 30 days allowed to them by law, I sent off letter 2. enclosed with it was a copy of letter 1, proof letter 1 was received. " Please be advised this is my second written request. '' " You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my name on it ) and unter Secion 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all information which can not be verified, '' " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. '' ( SEE ATTACHED DOCUMENT ) Their response is they will not reinvestigate pursuant to Section 611 ( a ) ( 3 ) ( A ) ( SEE ATTACHED DOCUMENT )
I am filing this complaint due to no course of action being taken by the following XXXX, Equifax, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.