WillisBack/dataset-financial-user-claim huggingface dataset:
There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.
I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!
XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to validate - through the physical validation of the original signed consumer contract - any and all accounts you post on a credit report. 

I demand to see Validated Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, invalidated accounts must be removed from credit reporting agencies and if you are unable to provide me a copy of verifiable proof such as : 1. The agreement you have in place with the creditor that duly authorizes you to collect on behalf of this debt. 
2. The agreement reflecting my signature that confirms my acceptance of the obligation. 
3. The complete payment history on this account A copy of a billing statement that you provided, is NOT sufficient validation of me owing this debt to you. 

Until your office fully complies with my reasonable 2nd request for validation, I expect that there will be no further efforts on you part to collect on this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt of this debt validation letter, this account must be deleted from my credit profile with all three credit reporting agencies, and no further efforts to collect on it can be made. 





Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX {$2800.00} Invalidated Account see attached documentation for complaint with consumer financial protection bureau for refusing to validate date. 2nd REQUEST FOR  VALIDATION Thank you, XXXX XXXX
I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.
This began with CFPB # XXXX, requesting XXXX XXXX to remove XXXX XXXX from my credit report on XXXX XXXX, 2017. <P/>XXXX contacted me on XX/XX/XXXX and agreed to withdraw the incorrect information from my credit reports, subsequently being removed from XXXX and XXXX. <P/>On XX/XX/XXXX, I emailed XXXX XXXX at XXXX XXXX regarding the item still being on my Equifax. I received a letter dated XXXX XXXX from XXXX XXXX stating that removal request had been processed with all major credit bureaus. I submitted a dispute with Equifax on XX/XX/XXXX with the attached letter ( Confirmation : XXXX ). On XX/XX/XXXX I called Equifax to follow up on the dispute status and was told it would not be removed since XXXX had not withdrawn the item. I spoke to a supervisor and brought the submitted evidence to her attention. She resubmitted my request and gave me a new confirmation : XXXX. <P/>XX/XX/XXXX I receive the attached notice from Equifax that the item has been " verified '' Either XXXX is not correctly withdrawing this item or Equifax is intentionally damaging my credit with false information.
I submitted a second dispute with Experian XX/XX/2019, after first being told my intitial dispute was not submitted correctly and without the supporting documentation that the then MANAGER told me had just been " floating in limbo '' or something to that affect, therefore not resulting in the deletion of a specific account that has been removed off the other 2 adjacent credit reporting bureaus along with the same evidence and direct request from the original creditor, which the manager admitted to himself was clear as day on the document. On today, XX/XX/2019, I received notice that not only was the dispute STILL NOT resolved, but with absolutely no reasoning WHY, when I have contacted the original creditor yet AGAIN, as they say they sent the same documentation requesting it be removed as I have sent them myself. I am unsure of why Experian is giving me this extraordinary POOR customer service on numerous occasions but I deserve not only an answer but my report to be reflected ACCURATELY amongst the disputes I am trying to resolve.
On XX/XX/XXXX I borrowed {$800.00}. To date, through XX/XX/XXXX, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement onXX/XX/XXXX. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more by XX/XX/XXXX. The following statement in response to a previous complaint is completely false. " You agreed to settle your loan for {$370.00} on XX/XX/XXXX. You missed your first settlement payment due on XX/XX/XXXX. " They did offer a settlement of {$500.00} on XX/XX/XXXX. I countered with an offer of {$200.00} in 2 payments which they refused. They contacted me again via phone on XX/XX/XXXX. They then offered a settlement of {$370.00}. I countered with {$270.00} which they refused. I was basically coerced in accepting a settlement of {$370.00} paid in 2 installments.
In the meantime, I had done extensive research and consulted an attorney. I have also filed a complaint with the Ohio Attorney General. My findings : Payday/short-term lenders must be licensed by the state of Ohio in order to offer loans to its residents. ( See attachment of ORC 1321 ). Since this company has no license in my state, the loan contract is not valid. As stated, I have consulted an attorney regarding this and have been advised not to make any more payments on this loan.
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of {$800.00} on XX/XX/XXXX. To date, I have made payments equaling {$1600.00}. This actually results in an overpayment of {$830.00}. XXXX. I wo n't even include the overages I paid on previous loans.
I am not a member of the XXXX XXXX XXXX XXXX XXXX nor did I obtain this loan on tribal land. The mailing address is in Illinois. ( Spotloan is not licensed in Illinois and not authorized to loan to Illinois consumer per cease and desist order of XX/XX/XXXX from the Illinois Department of Financial and Professional Regulation. See attached. ) Why if the tribe is in North Dakota is there is a mailing address in Illinois?
I suspect this is a case of " rent-a-tribe '', a tribe being used by an outside lender in an attempt to get around state laws. The FTC argues that tribal jurisdiction does not apply. The loans are off-reservation activity because they were taken out by people who are not on the reservation. ( From an article in XXXX XXXX dated XX/XX/XXXX ). I can supply many, many articles regarding this and the lawsuits and court decisions concerning these issues.
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I have revoked authorization for ACH withdrawals and you have responded with an email stating that I have declined automatic withdrawals from my bank account. A copy of this has been given to my bank. ( See attached ).
I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.
CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING
File # XXXX I disputed 3 times but Transunion continuous to violate Federal Law and my rights. They start a dispute and finish it in 10 days without Verification. I attached 3 documents ( PROOFS ) from creditor that I am on time and car has been paid off. Transunion doesn't read my documents. If it continuous like that my lawyer will take a legal action both to Transunion and CFPB. See the attached files.
I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.
Dear sir, We made a {$42.00} purchase using XXXX shopping card ( XXXX ) on XX/XX/XXXX. 
We never received invoice or email alert to pay in time. 
First printed bill we received in month of XX/XX/XXXX.

We talked to make payment with minimum penalty if applicable. Person asked us to pay {$100.00} as full and final payment including all penalties and interest and closed our account on XX/XX/XXXX. 
In month of XX/XX/XXXX we surprised by a letter received by their collecting agency. 
Call from unknown number talked for related debt collection and after that they registered with credit bureau. 
We request you to do needful and help us out from this unfair system of extortion. 
Thanking you. 

XXXX XXXX XXXX
I had a Loan Modification granted after 3 years working with XXXX different Banks first was XXXX where I was offer a modification, a trial period was set for 6 months where I was paying about {$1700.00} a month for 6 months when I finished the 6 months the bank did not grant me the modification and send me a letter telling me that they will not longer service my loan and will be transfer to Green Tree where my principal was increase in {$140.00} and also the Interest to 6.125 % I accepted this modification since I work very hard and give a substantial down payment my payment was set to be {$4100.00} and 3 months later increase to {$4200.00} then to {$4300.00} and 20 months later to {$5400.00} where it was impossible for me to make this payments. I contacted the Institution Green Tree and they said they will try to HELP me modifying the payments back to the original {$4100.00} but I have to continue making payments at this point I ask my relatives for help and they help me for over 6 months where Green Tree one more time offer to modified the loan and go back to the original amount off {$4100.00} but This never happen and the loan one more time was transfer to Ditech Financial where My loan Number and the rest of my information never change only the name Green Tree to Ditech Green Tree was name in XXXX large class action Law suits where recently I was add to be part of the claim against them for irregularities on my loan. 
Dithech send me a letter inviting me to a meeting organized in XXXX XXXX for different banks to help people like me with Mortgage Problems where I was inform by Ditech personal that my loan HAD MANY IRREGULARITIES and one more time was offer a modification They ask me one more time to submit all the paper work via fax witch I did but they keep telling me that they did not received them at this point I begin to send all the documents via CERTIFIED LETTER at least 2 times this time they accepted that they received them, but coincidentally I just reconceived a letter from Ditech telling me that since I have not pay my mortgage for 6 months I am not eligible to be considered to modified my loan. I send every paper the requested by Fax and also by certified mail at least 2 times in the past 6 moths but one more time they refuse to gave me a loan modification.
I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans.
I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.
In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX , Transunion, and   XXXX    continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       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    TRANSUNION   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
In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.

There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.
i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.
Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap.
Ive been a customer with Chase for a couple years. I have always been in good standing with Chase. A couple months ago, I unfortunately was a victim of a scam. The scammers had me deposit a check for around {$1500.00}. I realized it was a scam before I did anything else. I called the Chase Fraud Department and talked to them about my situation. I asked them to stop the faulty check. The fraud representative told me to wait until the check bounces and I should be fine. He told me I wouldnt be charged any fees or anything else. On XX/XX/XXXX I received a school loan check of {$6700.00}. I currently attend Arizona XXXX University. They told me it wouldnt go through until XX/XX/XXXX. On XX/XX/XXXX, which is today, I went to grab lunch at my local cafe and my card got declined. I called Chase and they told me my account got restricted and closed. They didnt want to me why it got closed over the phone. I spoke to a supervisor who told me the same thing and she said I shouldve got a notice yesterday. And to add to my confusion XX/XX/XXXX was XXXX XXXX and we dont get mail on XXXX XXXX so I checked the mail and there was no notice so I did not receive a proper notice at all prior to the closure of my account. I had {$260.00} in my account and now I wont have access to my funds in weeks. I called back to see what my options are to get my money as soon as possible ( the supervisor did not want give me any options to do so ) and the representative told me I could verify the check I got from school so they could release the funds to me in cash ( first representative told me I would have to wait for the check back in the mail ). 

Im assuming they closed my account because I had a fraudulent check bounce on my account 2 months ago. I was told I would be fine and I wouldnt be penalized but I feel like it was unfair for them to close my account and not give me any notice.
I have XXXX account with Bank of America.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this month.
I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.