WillisBack/dataset-financial-user-claim huggingface dataset:
I got suckered in to a time share contract. After several years of having problems with them I gathered up some research and sent them a demand letter to void my contracts, return my money or face a law suit. In fairness I also quit paying they outrageous monthly fee. I have been in contact with them. They quit calling me but are still billing me. They have since put late payment notices on my credit reports. I would like to get these removed or at least be able to add my explanation of what they are. I see them as an XXXX attempt to get me to stop my demand and avoid a law suit.
I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.
On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX
Paid off my auto loan in full i have a letter submitted it to the original sender XXXX. However it is not being shown on my credit report i would like some assistance removing this remark.
Banco Santander was notified by myself in person, with evidence, about th e problem at my job which is currently been seen at loc al U.S. District Court in Puerto Rico, because I sued my employer as well as 2 other government agencies, for 3 types of discrimination. During the whole year I was not receiving my salary, this bank als o received late payments on my part, with the help of my immediate Family, meaning Parents in this case, Just by the same time the Bank decided to say this account was a lost, soon after I recovered my job, and I immediately notified this in person and with evidence to this bank, that I recovered my job last   XX/XX/XXXX  , and started to work next day on  XX/XX/XXXX , and that as soon as my first salary was available, payments will re-start. The bank first, had on my checking account all the late payments charges, that with my initial deposit to that checking account after recovering my job were collected by the same  Banco Santander. Then, the bank sent a notebook so I can continue with the payments, this account never  actually was at a collection agency no matter the problem at my job and late payments, because I recovered my job and re started the payments before all that happened, why then is been reported as a negative account at  XXXX , damaging all my efforts of credit recovery after paying on time since the job was recovered? This account never had a payment arrangement like my credit card with this bank, which does have a certified payment arrangement with the same  Banco Santander , because I was able to re start the payment before that step, why then is reported as a negative account, as not been paid, when payments re-stared on my part before any certified payment arrangement like th e one  with my credit card? Also,   XXXX   shows that there are no collections on my file? Who can understand this? See the evidence, including the  XX/XX/XXXX  evidence sent to  XXXX   XXXX  from  Banco Santander Central Office, a nd even to th e E.E.O.C., most ly in   XXXX   language, that certifi es one of  the many contacts I had with this same bank about this problem, and I always sent evidence. In this case, the bank was denying a payment extension for this loan, no matter all the evidence they had about this problem, because it was not the Bank  's Policy, and because there was a previous payment extension.  See the evidence sent through  XXXX   XXXX   XXXX   XXXX , from  Santander   XXXX   XXXX   XXXX   Branch in   XXXX   XXXX  , Puerto Rico. There are no sig nificant changes in y credit report at  XXXX ,  XXXX  or  XXXX   XXXX , since   XX/XX/XXXX   until today, is basically the same report, only that recent payments are not posted yet at  XXXX , so the unfairly reported Negative accounts are making the damage for discrimination worse. I will also sent this complain as evidence  to U.S Mag istrate Judge  XXXX   XXXX   XXXX , because the unfair actions allowed by  Ban  co Santander Policies, simply are unfairly damaging m y credit recovery efforts with no reason at all. An d, the Court also have all the previous complaints against Santander filed by me here at the CF.P.B.
I recieved a voicemail indicating that my credit card was potentially involved in a large scale compromise. Disturbingly, my brother and parents, who do not appear on my account, were also called. I was told their contact information was obtained via public records. They were not provided account information other than my name, the fact that I had a credit card account with the institution, and the fact that my card was potentially compromised. Everyone I spoke to was very evasive about how and why the determination was made to contact these XXXX parties, not to mention how they obtained the actual contact information for them, my relationship with whom the bank is completely ignorant of. It is entirely possible ( though not the case here ) that XXXX of them could be involved with fraudulent activity using my information.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. 
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. 
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. 
XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. 
The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. 
XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX  dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. 
During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
That call was at XXXX for 40 Minutes.
Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.
Wrong name on my credit report ( XXXX XXXX XXXX ) is not my identity and would like dispute the name and remove from my credit report.
I believe what happened was a system error. I normally pay my cards online and I remembered making my payments for those months ; I have not missed a payment since I had the card. It could have been a system error and the payment was not processed. I also was never notified about my late payments- no phone calls, emails or mail to inform me about the late payment. I only noticed that I had missed payments when I checked my credit profile online. I have already contacted US bank and settled this issue with them and told me to explain my situation here. It was an honest mistake, simply overlooked the accounts and did not catch that the payment failed to go through. Since this never happened before, and is affecting my credit greatly, I am requesting that this report be removed from my account. Thank you.
on  XX/XX/XXXX  I contacted Transunion Credit bureau after having being notified through   XXXX   XXXX   credit monitoring app I use, that my information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from   XXXX   XXXX   on   XXXX   XXXX  , 2017 &  XX/XX/XXXX ,   XXXX   XXXX     XXXX   XXXX  , 2017,  XXXX    XXXX   XXXX  , 2017 I did n't authorize. I contacted the creditors and I was informed by them to contact The credit bureaus, So I first contacted transunion on  XX/XX/XXXX  and was told I needed to contact the creditors and request the ok to delete letter from them, I was again told to contact transunion since it was fraud, so on XX/XX/XXXX I contacted them and let them know that they needed to look into this & investigate it, I was assured that it was going to be looked into. In the mean time it was recommended by another credit bureau I file a police report for fraud, so I did on Friday XX/XX/XXXX and faxed it into transunion in hopes that this would get this matter finally resolved, I then called them the same day and was told a representative they received the report and they would investigate it, I was a little leery about it, given all the back and forth, so I called back Monday XX/XX/XXXX  and was told they did n't receive the report.
I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from my credit report.
I asked for a loan assumption since my husband died XX/XX/2011 and the mortgage was in his name only and I wanted to start a loan modification process. 
I was denied as a widow.
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?
I have been disputing this bank for four years after I found out about the FRAUD and I keep getting the same OLD story. This company has told me to call them the company that I am disputing and discuss the problem with the company. I dont understand Why I cant get this company to delete this bank off of my report. I have successfully gotten the other credit reporting companies to remove this bank, after a thorough investigation was done.I AM NOT BEING TREATED FAIRLY IN THIS MATTER!!
I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
XX/XX/2018 XXXX. 
This is the third time this robocall system has called. 
This number is a government office - not assigned to an individual Call from XXXX Harris & Harris Ltd. 
Call to XXXX XXXX XXXX XXXX XXXX
I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.
In early XX/XX/XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX  on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

Trans Union is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX is reporting hard inquiries without a permissible purpose for XXXX   ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.