WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
XXXX XXXX ran my report which gave permission for the following to run my report ... 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted these places and they will not delete them because XXXX XXXX MADE THE AUTHORIZATION.. 

The problem is that I did not authorize ANYONE to do this. My ex girlfriend did it without my PERMISSION!!! My credit has been effected negatively and need this to be removed ASAP. I tried writing letters ... They all came back saying that they couldnt delete it ...
Bank of American is actively reporting foreclosure accounts on my credit report that are more than XXXX year old since last activity ... .When attempting to request them to remove these old account from credit report all requests were ignored and XXXX of the letters stated that " they could n't find the account in their system '' ... which is a FCRA violation on multiple levels. They should NOT be reporting an account they do n't have or ca n't find, and should not be reporting any accounts past 7 year statute of limitations.. please help
I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX  ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.

I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.

One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX   XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.

I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.

XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.

All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.

In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.

I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.

The issue I have is with XXXX XXXXXXXX XXXX  and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.
I, XXXX XXXX XXXX CITIZEN ( XXXX ) WITH CREDIT CARD BANK OF AMERICA SINCE XX/XX/XXXX ( EXCELLENT PAYMENTS ) GOOD! CARD CLIENT STARTING CREDIT LINE ON XX/XX/XXXX {$300.00} IT CREDIT LINE HAS BEEN KEPT DURING 9 YEARS WITHOUT ( INCREASE ) THE CREDIT LINE. I TRAVEL TO VISIT MY MOTHER OF XXXX YEARS OLD SICK! AND BE IN FAMILY SINCE XX/XX/XXXX. I TRANSFER FROM MY XXXX XXXX CHECKING ACCOUNT {$80.00} TO MY CREDIT CARD BANK OF AMERICA FOR A TOTAL OF {$380.00} COST OF TICKET {$330.00} BUT IT WAS DECLINED. BECAUSE..BANK OF AMERICA SOLELY SEE THE CREDIT LINE BANK OF AMERICA DO NOT SEE THE EXTRA DEPOSIT. ( BECAUSE ) IT IS THE LAW OR POLIZA.OF THE BANK..ACCORDING TO XXXX XXXX. SPECIALIST. CONTACTED BY XXXX BANK OF AMERICA. I WENT TO MY XXXX ACCOUNT AND MAKE ANOTHER TRANSFER {$70.00} NOR WAS ACCEPTED DESPITE THAT THE TICKET WITH XXXX XXXX COST OF {$340.00} XXXX XXXX XXXX SAY SORRY IT WAS NO PAID BY YOU BANK INSTITUTION. ( SEE ) Record Locator : XXXX We were unable to process your flight reservation request. To ensure that your travel plans arent interrupted, contact XXXX at XXXX to make alternate payment arrangements. If we havent heard from you within 7 days of this notice, your flight reservations will be automatically canceled. Please refer to the above record locator when speaking to a representative. THEN I AUTHORIZE TO MY DAUGHTER TO TAKE {$200.00} DOLLARS AND WITH OTHER CASH PAY THE TICKET IN CASH.
I XXXX in XXXX and also started working for the XXXX and I was supposed to be in the forgiveness program. called again back in XXXX and was told after all the money ive given them even though I was supposed to be in the forgiveness program they never had me in it and after 10 years my loans would be paid off by me paying them! 
I work for the XXXX and my loans should have been forgiven after the appropriate years.
Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect
Wells Fargo has been my bank for 29 years. I was attacked by a pit bull and have a go fund me account that deposits directly into my account. They have {$800.00} they are holding, with no reason. The fraud department does n't know, the banking XXXX does n't know. They are holding money that will help me pay for my bills since I ca n't work. How do I get my {$800.00} back. Since I have to lay at home I have had hours of conversations with numerous " specialists '' and they still do n't have an answer. What do I do?
I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management. 

Thanks, XXXX XXXX
Received a call from a young man on XX/XX/XXXX around XXXX telling me he had legal documents to deliver to me. I explained I was driving and asked for a number to contact them at. I asked that he call me back and leave the info on my voicemail which he did. Was provided XXXX and a File #. 

Called them XX/XX/XXXX @ XXXX CDT and asked who they were. I was transferred several times and then told they did not have to give me any information at which time the lady started calling me a loser and began berating me. She hung up. I called back and was again berated by the same young lady who would not provide me with any information and told me my case was turned over to the IRS and that now I was really going to have problems. Referred to me as a loser every time she addressed me. I explained that I needed to know what the call was about and she said Chase bank. I explained my last dealings with them was quite long ago and that it was likely out-of-date. she said no and they were going to sue me but would not provide any info as to who they were. Called them 10 times and they would not talk to me or give me any info just continued to berate me. I have no names because they would not provide any. They must know when I call because now it goes straight to the voicemail. 

They know we ca n't afford lawyers.
It is deeply concerning to me that Bank of America is using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions are clearly political statements and not business decisions based on financial unsoundness or criminal activity of their customers. As a BofA credit card holder I am concerned they will soon increase their anti-2nd Amendment attack and prevent me from using my credit in a lawful purchase of firearms or gun related accessories or question my ownership of firearms when seeking a home or automobile loan. As a BofA customer and an average American that will need credit on and off throughout my life I am deeply concerned banks and antigun advocacy groups will collude to deny needed services in an effort to dictate social policy. Its appalling that lawful citizens and businesses are treated this way after bailing out these financial institutions with billons in taxpayer dollars. BofAs new firearm policy infringes and discriminates against an individuals Second Amendment rights and should not be tolerated by our government. When private businesses replace legislators and policymakers and attempt to manage social policy by limiting access to credit they should be held accountable for their antigun discrimination.
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from XXXX  XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX , Florida in XX/XX/2017.
My car was paid off on XX/XX/XXXX. To date, I have NOT received the original title or the refund check of {$39.00}. I contacted Chase by phone on XX/XX/XXXX. Chase assured me that I would receive in the mail, a re-release letter by XX/XX/XXXX. The refund check would follow shortly.

OnXX/XX/XXXX, I had to contact Chase AGAIN and make a SECOND request to re-issue the documents in order to obtain an original title. Chase now says that the necessary paperwork should be completed byXX/XX/XXXX and I should receive it by mail. 

It has been OVER two months since the car was paid off and I still do not have an original title to the vehicle. 

Please advise.
After a dispute, XXXX XXXX XXXX verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
capital one bank has pulled my credit fraudulently without my consent 3 times on my XXXX and XXXX report, I have contacted their customer service dept numerous times and they have done nothing to fix this.
Nationstar Mortgage continues NOT to notify us of escrow increases. Nationstar does not provide us billing statements nor allow us online access to our account. In XXXX, we had an escrow increase with No notification, and then we received a XXXX XXXX court notice of foreclosure by Nationstar. This tactic appears to be " predatory : to me. They can not provide : coupons, billing statements, escrow changes, late payment notifications, online access XXXX to all clients ) but they can notify the XXXX XXXX Court of intent to foreclose. 
XX/XX/XXXX we took the initiative to contact Nationstar and found out there was another escrow increase. Since we did not receive notification, I would assume the same process would have started all over again. 
Even though we were vindicate in XXXX XXXX court, Nationstar 's inadequate processes of processing payments negatively impacted our credit score.
Collection Company for XXXX XXXX that I was not aware of debt. I was on a payment plan with XXXX that I was told completed, with no documentation that I owed more. now collection company has called twice, the first time when asked for details they didnt provide and I mentioned fair credit reporting act they hung up. second call I asked for a manager. I asked that the file be sent back to XXXX to complete payment plan rather than pay collection agency all at once. Again, I mentioned fair credit reporting act and the rep tried to get me off the phone and told me collections would continue until I paid and would be put on my credit report.
On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.
on   XXXX   i had a   XXXX   in my   XXXX  , i went to doctor to check, but he could not know so he sent me to   XXXX   XXXX   in  XXXX  and they check everything for me and i left the hospital after about one hour then after that by one week the hospital sent me the bill for {$580.00} then i call them why did not they use my health insurnce they told me sent us copy of your insurnce because we do have it after i sent it by 2 weeks the hospital changed the bill and they sent me another bill for same service for {$1300.00} so they raise the bill because the insurnce will pay not me but that amount was deductible means that customer supposed to pay, since that time i 'm trying with hospital to pay the 1st bill but they want me to pay it {$1300.00} they want me to accept their stealing i do not know by any logic they are doing that, after that they sent me to GOLDKEY CRED ( collection agency ) to force me to pay i called goldkey to explain for them and they were nice in 1st call they told me they will help me to let he insurance pay the difference because the change in the two bills was because of the insurance and i sent them all bills but after they found me on the right and the insurance did pay any thing so they did not do anything with insurance and because the insurnce is bussiness they can not lose it may be they can get more customers so, and as you know that collection pay 10 % to hospital and they get % 90 of the bill for them so collection do not care if the creditor is right or no because collecton will use the tool to force me to pay now they reported me to credit bureau to destroy my score i do if that legal or no i have bill for {$580.00} and the hospital want to charge me for {$1300.00} and i f i complaint their fraud they sent me to collection and collection help them to destroy me or to force me t pay
Hello, I filed bankruptcy in 2015 and reaffirmed my mortgage through my attorney with XXXX XXXX and it was filed in the federal court on XXXX/XXXX/15. I was just made aware that the Mortgage Company has not been reporting and never re-affirmed the mortgage, due to this my credit has declined, I have received higher interest rates for my auto loans as well as I have been denied credit on several occasions. I now have several inquiries on my credit that is impacting the score, my credit worthiness is XXXX. The mortgage company stated that they will mail me a letter of correction but I do not know where to go from here to reestablish myself due to their oversight.
After requesting a forbearance 3 times, and after spending nearly {$20.00} on tracking fees through the USPS, I was finally sent a letter XX/XX/2018, stating I would be charged {$0.00}. Later in XXXX, I received a letter dated XX/XX/2018, with a billing for Unpaid Fees which states is based on Total Payment Due ( Past Due Amount ) {$0.00} + Current Amount Due {$0.00} + Unpaid Fees for which they are charging me {$61.00}. I have been on food assistance through Kansas Department for Children and Families. Last year I was told by a KDCF case worker that Navient can not charge me while receiving Food Assistance. From what I've read, Navient receives funds from the federal government. I am an unpaid XXXX for my very frail XXXX year old mother. I also have a physical XXXX as documented by Social Rehabilitation Services for which I received assistance while attending college. This payment is due XX/XX/2018. I will need to borrow this money and send a 2-day arrival which will cost another $ XXXX for a total of about {$70.00}. Why is it legal for Navient to charge an Unpaid Fee? This is not the first time I have been charged this Unpaid Fee. It happened last year as well.
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.
EQuifax refuses to remove or delete these items, from my credit report which have not been validated by creditors
As of  XX/XX/2016    my ( {$38000.00 } ) 20 yr.  mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20  yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from  XXXX   XXXX  and then it was sold to  Caliber Home  Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.