WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXXXXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers.
Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection
TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.
I WAS CHARGED ON XX/XX/13 FROM A COMPANY CALLED XXXX XXXX XXXX   FOR XXXX ON MY CHASE CARD AND I NEVER AUTHORIZED THIS CHARGE AND NEVER DID BUSINESS WITH THIS COMPANY. I LIVE ON A FIXED INCOME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK
I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.
I wrote to Experian on several occasion asking them to remove these accounts unless they can properly verify them. I receive several letters from them with different dates stating that the investigations are still pending. I wrote them more than 30 days ago regarding this matter and they still have not provided me with proper verification. 

I am trying to resolve this issue immediately. If this issue is not resolved, I will be pursuing litigation under a Civil suit and also requesting a class action suit. 

Experian XXXX Box XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX / DOB : XX/XX/1970 To Whom It May Concern : Please be advised this is my THIRD WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 

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 signature on it ) and under Section 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 serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

Thank you, XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}
The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.
I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
I hired XXXX ( XXXX ) to handle short sale negotiations with Atlantic Bay Mortgage ( XXXX is their Credit Dept. ) on a drowning investment property I own. I also hired XXXX, Realtor of XXXX as the listing agent. A fair offer was received in XX/XX/2016. To date, XXXXAtlantic Bay Mortgage has FAILED to order an appraisal of the property though asked repeatedly by both Realtor & XXXX causing the prospective buyer 's offer to expire on 3 different occasions. The buyer is no longer willing to negotiate! Atlantic Bay and XXXX has failed to do their due diligence and follow through with the required appraisal! They are forcing this property into a foreclosure status and further damaging my credit due to their failure to do their jobs! Please help!
I have been denied credit several times over the last year due to Equifax having a freeze on my credit report. I have contacted their credit freeze dept several times to address this issue only to be told that there is not a freeze on my credit.
Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help
Closed XXXX account in XX/XX/XXXX. XXXX closed the account but did not notify me of {$10.00} outstanding, which then ballooned to almost {$200.00} by XX/XX/XXXX, but I was not notified of the balance because I had closed the account. I discovered it in XX/XX/XXXX from my credit report and paid immediately but it has seriously damaged my credit score since, due to XXXX negligence. I disputed with Experian in XX/XX/XXXX and the companys response was to remove the note saying that I closed the card in XX/XX/XXXX and only show the overdue amounts accumulating until that XXXX. XXXX made a nearly 2000 % profit in 7 months by defrauding me and has done long term damage to my credit, all for a {$10.00} charge which is clearly within my means and which I would have gladly paid had I been notified.
Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- XXXX XXXX
So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what   XXXX   is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so my credit score should n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
XX/XX/XXXX   my kid was prompted to make an application at  Amazon.com fo r the Chase Ban k Amazon Rewards Visa Signature Card, p romising {$50.00} off a current  Amazon order if they did so. ( purchases for   XXXX   XXXX   XXXX   gifts ) (  I have excellent credit and should b e zero issu es. ) I made the application under my name but we did n't get the credit discount on the order. I opted to pay for the order using my existing credit card and immediately thereafter moved to chat with  Amazon ask ing to cancel the credit card application entirely. They said they could n't do it and I needed to call Chase bank at  XXXX . I called them today and  two le vels of reps could n't let me cancel the application ( which they said was still 'pending ' ) and a higher-up supervisor was n't available. I since discovered if the card goes through it will automatically be added to my Amazon account as a payment method. I do n't want to have to fix all of this. I want the application stopped, deleted immediately. I want no record of the app on my credit and I do not want the card at a ll. Chase rep   says they ca n't do that. I say they can. They keep having me enter my SS # on an unsecure phoneline even to get to speak to a representative. Who then, again, asks for my SS #. I am sure none of that is secure.
To whom it may concern, I was approved for a loan with Sallie Mae ( Now Navient ) for a Private signature loan with a repayment plan including full principal and interest that was disbursed on XX/XX/XXXX The original principal amount for that loan was {$10000.00} at a now 9.000 % interest rate which is utterly ridiculous. It is now XX/XX/XXXX and my balance is only XXXX! Over the past 10 years ive only paid XXXX of that loan due to the interest rate and fees. 

Also may I add that i also have two additional Stafford loans 1-02 stafford Subsidized Loan that was disbursed on XXXX/XXXX/XXXX in the amount of {$2600.00} with a fixed interest rate of 6.8 %. 
as well as a 1-03 stafford subsidized loan that was disbursed on XX/XX/XXXX in the amount of {$570.00} with a fixed interest rate of 6.8 %. 
Both of these stafford loans took 10 years to pay off and were offically paid off with end dates of XX/XX/XXXX and XX/XX/XXXX. 

To add two more layers to this Navient nightmare The person who's name is on my loan as primary has been deceased since XX/XX/XXXX. Also the college that atteded where i received my loan for is XXXX XXXX XXXX ( XXXX ) - XXXX, Maryland in which the entire company closed all of their schools across the United States in XX/XX/XXXX. In which after all schools were closed XXXX XXXX was hit with thousands of lawsuits from students claiming that the college and its parent company are running a high-pressure sales racket cleverly disguised as higher ed. In a nutshell all campuses closed due to low enrollment levels and financial viability. 

With all that being said I feel my Loan should be forgiven and zero 'd out due to the mere fact that i can not afford to continue to pay this loan until my payoff estimate year of XXXX with a XXXX interest rate that ive Navient multiple times about with no resolve. The loan is also in a Deceased persons name. I have sent multiple copies of the death certificate to no avail and have yet to receive any help regarding what can be done with that. Lastly the loan is in a schools name who is no longer in business and I can not use my certificate in the field that i received the certification in because the employers do not recognize that school as accredited.
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.
We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be complete.
Made a payment of {$13.00} to the Citi Bank Card on XXXX/XXXX/16 ( Have a monthly {$13.00} payment due every month from a recurring charge ) XXXX XXXX/XXXX/16 got a late payment fee of {$13.00} and a {$0.00} finance charge fee for a late payment. I never got the statement and put my account as a late payment. They would n't credit my account because they said that they credit my account last XXXX. Please investigate how often the statements get lost in the mail. I never got the statement. I pay my balance in full very single month. Why would I have a {$13.00} late fee on a {$13.00} charge? Also, wanted to make a payment of {$50.00} to them. so, I will not need to think about making the {$13.00} payment and just pay 3 months in advance. And they cant take payment higher than 7 %. I never got the statement.
I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX ( multiple inquiries ) XXXX  XXXX