WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed NORDSTROM XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and XXXX. A direct dispute with NORDSTROM on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on Nordstrom tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, XXXX. and Dispute letter where mailed out and delivered in XXXX XXXX. 

XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ).  XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX ). 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX  ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, XXXX or Nordstrom. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, XXXX, and XXXX XXXX past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX XXXX.
unable to verify me. I have not had any credit cards in at least five years and my mortgage is an individual, not reported.
I made the purchase of a puppy on XX/XX/XXXX from a company called XXXX XXXX XXXX. I used Paypal Credit to make the payment because of their promotional offer of 6 months no interest if paid in full. I received statements that showed they were charging me interest so I called PayPal Credit 's Customer Service on XX/XX/XXXX. The first representative looked at my account and said that the payment was paid as a Cash Advance instead of a purchase and did not qualify for the promotion. I called again and asked for a supervisor. We went through the Terms and Conditions where it said that a purchase is made to a merchant at a website, by telephone, or another authorized location. The company I paid had a website so I thought I was covered. The PayPal Credit supervisor said in the definition section of the Terms and Conditions that because I had made the payment using a link provided by the merchant it was considered a Send Money transaction, not a purchase, that did not qualify for the Deferred Interest promotion. If I had made the payment directly to the website the supervisor said I would have qualified. I feel that is not a situation that a consumer could understand when reading PayPal Credit 's Terms and Conditions and the confusion created is a deliberate effort to defraud.
Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.
I filling a complaint because Equifax has ignored my request to provide me with the documntation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible. Thank you.
I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.
I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.
This complaint is XXXX legitimate. The debt collection agency has been fined millions of dollars in the past by the Federal Trade Commission. In this case, XXXX XXXX picked up my information from an XXXX credit card that went into default in 2008. For that matter, XXXX is now off my Experian report due to the 7-year rule application from the Fair Credit Reporting Act. This account can not be enforced under New Hampshire, and Experian did a poor reinvestigation and should easily see that XXXX XXXX has re-aged the credit item to give the appearance that the account can still be legally collected and/or reported. Experian has no other recourse but to delete this credit trade line as the original trade line with XXXX has already been taken off credit due to its legal attachment limit on time, that being seven ( 7 ) years. This item need to be deleted immediately and permanently.
I was told by XXXX that my daughter could not get a loan because she had no credit established so they offered me a PLUS loan to get her started. At that time they did not tell me that I could decline the loan and that my daughter would have still been able to get a school loan without my help. I was a single mother and struggling financially so I deferred these loans as much as I could only paying here and there but still trying. My payments stayed pretty much the same for years. Then Navient took over. After struggling through a very expensive divorce I got behind in my payments to them so I deferred once more. So starting in XX/XX/XXXX I started paying on my loans and my payments were {$200.00} which I could do. Then I started getting notices that I was behind on payments. I went back and looked and from XX/XX/XXXX to XX/XX/XXXX I had made {$1200.00} in payments ( I started at the end of XX/XX/XXXX and was making {$200.00} payments every XXXX weeks ) but when I would look up my loans online it showed I was still behind by almost {$800.00}. I started looking at my statements and realized that they increased my payments In XX/XX/XXXX from {$200.00} to {$350.00} and then starting in XX/XX/XXXX my payments would go up to {$370.00}. I called Navient and told them I could not afford to pay {$370.00} and why did my payments increase and they could not give me an answer. They said my only solution was to file for forbearance and they would cancel out the money I owe for back payments. I told them I did not want to file for forbearance again because that would only increase the interest that I would owe. They told me that was my only way to catch up on my payments. It is so totally unfair that you try to help your children get a good education and try to help them out but end up paying for the rest of your life because the interest on school loans. Navient is so uncaring and they are liars and need to be stopped.
We are in the midst of construction and realized we needed a significant change order due to some structural issues that arose. We called a number of banks and found out that most banks would n't do a home equity loan while under construction. We spoke to First Republic and they said that they could do things other banks could n't and offered us a home equity loan. We spent two months filling out paperwork, notarizing items, and working through their process. I was also told I could draw on my original home equity loan at another bank during this process. However, when I went to write a check I realized that they had closed my home equity loan with my other bank!
After two months, they called me and explained that they were n't giving us the loan since we were too early in construction. This seems crazy considering that they had an appraiser come out and photograph the project and we were very honest as to where we were in construction. Another large issue is that they tried to force me to open a checking account and I refused until they opened the loan.
Therefore, my complain is on three fronts : ( 1 ) useless opening of loan paperwork due to lack of due diligence, ( 2 ) closing of my other accounts when they specifically told me using that old account was not an issue and ( 3 ) trying to force someone to open a checking account for a loan they were not planning to grant me ( bait and switch ).
While I 'm not doing business with this company ( nor would I ), others should be warned about their business practices.
We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.
I made an incoming transfer of {$40.00} from the XXXX Bank to Chase to cover the outbound transfer for {$60.00} from my Chase checking account using Chase QuickPay service. The available balance on my Chase chasing account after the transfer was shown to be {$65.00}. Thereafter, I made an outgoing transfer from Chase to my daughter, XXXX, for the amount of {$60.00} on XX/XX/2016 to her Chase checking account to help her make a payment to Chase credit card. After the transfer, the available balance on my Chase checking account was {$5.00}. However, the next morning on XX/XX/2016, my account was overdrawn by - {$28.00}, because my account had been assessed a non-sufficient fee for {$34.00} for making that outbound transfer. Immediately I contacted the Chase representative asking about the fee. I was told that when the {$40.00} incoming transfer arrived to my Chase checking account from the XXXX bank, it was beyond the cut-off time of XXXX Central Time and that I did not have enough funds in my account to make the subsequent transfer of {$60.00} to XXXX. I told the representative that my available balance was shown to be {$65.00} before I was allowed to make the outbound transfer for {$60.00} using Chase QuickPay. However, she was unrelenting and refused to reverse the non-sufficient fee.
I have a VISA with CitiCard which I am trying to pay off and haven't used in many years. I received in the mail a Citi Mastercard with a different account number on it with instructions to activate my new MasterCard. 

I visited the CitiCard website to discover that my outstanding balance which at the end of my last pay cycle was $ XXXX was now $ XXXX. This $ XXXX increase in my outstanding balance was reflected in the fact that the balance reflected the $ XXXX on my Visa and an additional $ XXXX outstanding on my " new '' Mastercard. 

I called CitiCard and was told that this reflected a " transition '' that CitiCard is making form VISA to Mastercard. I inquired why my account showed an increase of over {$10000.00} and was told several reasons none of which made any sense to me. First I was told that when I activated the MasterCard the balance would return to {$10000.00} with the additional money reflecting the interest charged during the last month. 

I asked if I didn't activate the Mastercard, would the balance ever return to {$10000.00}. I was told " no '' then " yes '' and finally they said that on my XXXX statement my balance would be at the $ XXXX level. 

My concerns are : 1. Is it legal to open a card in my name without my consent? 
2. Is this " new '' MasterCard obligated to follow the contractual obligations of the VISA ( i.e. can they now increase my interest rate even though I have never missed a payment, etc.? ) 3. For what amount of time did I pay interest on $ XXXX instead of the {$10000.00} + balance I really owe? 

None of these questions were answered to my satisfaction.
Chase Bank is charging me almost 30 % on my credit cards. I pay the balances or keep them low and they refuse to lower the interest rate. They say that it will come up for review but can not tell me when that might happen -- it's at their discretion. 

I want the interest rate lowered. I am not asking for 0 % interest but it should be lower than 30 %.
An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here.
I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but XXXX  and Trans Union have not.
I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Portfolio Recovery contacting me, calling me and my family members and sending me letters regarding {$2400.00} that they think I owe them. I do not owe anyone anything, I have node how or where they relied this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the state of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments why am i being double billed buy this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. They did not even update the acorn too show I was disputing it. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping.
I recently conducted a review of my credit report, and I noticed that your agency showed CITIBANK ( CBNA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -CITIBANK  ( CNBA ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted Citibank, and XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
RiseCredit forced a loan upon me, deposited the funds to my XXXX account, then reversed course the second they found out they were at fault. In so doing damaging my credit and credibility with my bank. I was a temporary resident of XXXX and become a full time resident at the time. Legally they were not allowed to complete this loan because XXXX does not permit those type entities to write business there. Im the victim here. The loan amount was for {$800.00}. Risecredit accelerated the withdrawal of these funds from my account and continued to take action against me. My bank has an open dispute regarding this matter already. I did all I could to preserve my credit and it still happened. The enterprise RiseCredit should have its charter to business in XXXX or any other state Rejected and removed. The pray on the elderly, XXXX, and less fortunate. The last XXXX of which I am. I am facing bankruptcy, Eviction all at the same time. I hope you can address this concern ASAP. The subpeopna of any documents from Them will have to be done by your legal department. My resources are very finite. I am risking being homeless as we speak. Family and friends some of have turned their back on my entirely and chose to look the other way. I have engaged in continuing my study for XXXX in the State of XXXX and will do everything in my power to both uphold and adhere to the law. My father put it best, do n't let these crooks get the better of you. And XXXX XXXX has many of them.
Equifax is not responding to any of my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?
I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.
I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt.