WillisBack/dataset-financial-user-claim huggingface dataset:
cashnetusa XX/XX/2016 Dear XXXX, Thank you for your recent application for a Cash Advance. Your request was carefully considered, and we regret that we are unable to approve your request. 
Reasons for Denial of Credit Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. 
The reason ( s ) you did not score well compared with other applicants were : Unable to verify personal information and/or identity. 


Your Right to Get Your Consumer Report In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX. 
XXXX, CA XXXX Toll-free : XXXX Fax : XXXX XXXX XXXX XXXX, GA XXXX Call Toll Free : XXXX Online XXXX You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 
Information about Your Credit Score We also obtained a quantitative identity evaluation from XXXX. and used it in making our credit decision. This evaluation is represented by a score that reflects the information in your consumer report. This score can change, depending on how the information in your consumer report changes. 
Your score : XXXX Date : XX/XX/2016 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Inquiries did adversely impact score. 
Unable to verify personal information or identity. 
Number of recent inquiries on credit report. 


If you have any questions regarding this letter, you should contact us at : CashNetUSA Customer Support XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Federal Trade Commission Equal Credit Opportunity XXXX XXXX ( XXXX ) TDD : [ [ tel : XXXX ] ] XXXX
XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..
I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.
RECEIVABLES PERFORMANCE {$1000.00} I challenge the accuracy, compliance and reportability of this listing by RECEIVABLES PERFORMANCE, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.
Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet
My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 )  XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/XXXX )
I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX  and with Ally. I have attached all letters with certified copies.

I spoke with XXXX  from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX  or t the above address.
I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.
OMEGA RMS LLC , continues to use  alias o f my name to continue a collection that was settled on  XX/XX/2016    with another company representing   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX  just sent another letters stating account has been paid in full but if disputed the account will be reopened.     First : thing the name is incorrect  XXXX  not my name spelling.   Second :  Letter is  an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.
First notice XX/XX/XXXX thereafter I call the company and the bank and indicated to take action with the CFPB to solve the issue. In XX/XX/XXXX receive another letter to pay the debt. Account # XXXX
E*Trade gave someone the login information and password to my account. After changing my username and password to prevent this in the future I asked that they close my three checking accounts and open new ones for me. After calling and emailing them for two months this has yet to be completed. Also, after several requests  they have not sent me copies of my bank statements. I am told over and over again that this will be taken care of but have to contact them again and again and again. 

E*Trade should not be giving other people access to my account, but when they do the should resolve the issue without making me contact them dozens of times.
On XXXX XXXX, 2015, I was scammed by XXXX people in NY by way of XXXX XXXX. When I checked on the cards, I was able to recover {$450.00} out of the {$850.00}. I filed a police report and numerous consumer complaints including the Attorney General 's Office. When I realized I had been scammmed my banker and I called XXXX under ticket # XXXX XXXX, the company representative asked us to fax all of the documents to him. We did that. He then stated on speaker phone in front of my banker that I would receive a refund in 23 days for the scammed {$400.00}. The check never came. I called again today and the representative stated that I can not get a refund. XXXX Blackhawk Networklied to me. They will not stand by the word of their company representatives. I have my bank manager as a witness.
I am contacting you in regards to my Wells Fargo Credit Card, I have contacted wells fargo XXXX times in reference to getting a lower interest rate on my credit card, they state that they do n't negotiate the rate at this time but they are unable to provide any further information in regards to this. This also are having trouble producing the terms and conditions that i " signed '. I would have never committed myself to something with an interest rate of XXXX prime. After calling wells fargo customer service and executive office i have gotten no where in fact the last rep hung up on me. I have been keeping detailed names of everyone that i have talked to and am shocked at the level of customer service provided by the reps. It seems like they are doing something shaddy to me.
I had to take my son to the hospital and he was on my insurance. I paid my portion of what i was supposed to pay and now i have a collection on my credit report. I have tried to get this to be removed but it has not been successful. Please help
XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after dispute.
XX/XX/XXXX, I started getting behind in my mortgage with Wells Fargo Home Mortgage. As a result of the Affordable Care Act, my Wife had her hours reduced to about 20 hours a week. I had been consulting with my Home Preservation Specialist, XXXX XXXX. She advised that a loan modification would probably be the best route. She sent me literature explaining various programs including a Modification that may extend my current mortgage of 21 years out to about 25 years and would reduce my monthly payment of {$1100.00} and to a more manageable lower payment. She took all my pertinent financial information. By XX/XX/2015 she had me set up with a trial period payment for 3 months of {$1100.00}. After a successful trial period, they would modify the mortgage with payments about {$840.00}. So, in order to make the trial payments, I had to stop paying XXXX personal loans that I had taken out to pay off some IRS debt. After the successful trial period, the best that she said her adjusters could due was extend the mortgage to 22 years to make up for my missed payments which totaled {$5700.00} making my XXXX XXXX payment {$1100.00}. I told her that was {$75.00} more than what I was paying before at {$1100.00}. She went back to the adjusters and allowed me to skip XX/XX/XXXX 's payment and modified the mortgage for a XXXX XXXX payment of {$1100.00}. I still felt this was not helping and is still {$3.00} more than the {$1100.00}. She basically said I had no choice and I could try to refinance with there refinance department. So, I signed the modification to enable me more time to try and refinance. After several inquiries to several mortgage lenders, including Wells Fargo, they told me that they could not help until I had at least 12 consecutive payments. The best Wells Fargo said was maybe six months with a VA loan for which I have a current VA Certificate of Eligibility. At this point, I felt I was ill informed that the modification would have reduced my monthly payment instead of increasing it. Now I am stuck, 5 months delinquent on the XXXX personal loans, and unable to refinance. I can not understand why Wells Fargo could have extended my mortgage out to 25 or 26 years where it would have lowered my payment. I feel that it was unfair for them to lead me into believing that the modification would have lowered my payment as explain in the flyer that they sent me explaining the program. And now as a XXXX American Veteran, I ca n't even find a company they would help me refinance
Experian Credit Bureau employees have added the " Closed Discharge Chapter XXXX Bankruptcy '' information dated XX/XX/2011, a second time by adding all companies listed in the Chapter XXXX, onto the open Derogatory Current Information. This action was done by a Experian employee for personal profit or personal gain. This is a Discrimination action so that a " HIGHER INTEREST HIGHER COST '', Denial or both. also causing a LOWER FICO Score. I am a XXXX XXXX Veteran and being Discriminated
The collections account does not belong to me, however, the company refuses to remove it from my credit report.
Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.
I 'm in the process of a short sale on my home because this was the only option Bank Of America gave me. I use to have my XXXX loans with Bank of America ( XXXX and XXXX liens ) NOW while negotiating my short sale Bank of America went ahead and sold my servicing rights to XXXX. NOW XXXX who is my first lien holder approved my shortsale BUT is only giving Bank of America who is my second loan {$6000.00} and Bank of America wants {$12000.00} to release. As of this morning Bank of America has stated that they will NOT work with us in closing the short sale because they want {$12000.00}. Is this legal for Bank of America to do? hold me hostage to foreclosure?
I had a decrease in my salary last year because of my employment changing. My previous employer laid me off because of the company down sizing. I've requested a mortgage modification and submitted my financials several times to my mortgage servicer Caliber Home Loans.They have sent me 2 modification offer with trial payments plans. 1st-Trial payment plan for XX/XX/2018 gave me a payments but they were filing a private mortgage insurance claim in the amount of {$51000.00} per Customer Service Caliber Loans, at that time I was delinquent {$3300.00} why is Caliber filing a PMI claim in the amount of {$51000.00}. I filed a consumer complaint and resubmitted a modification request with financials to caliber. I received XXXX the 2nd Trial modification with the trial payments, I called Caliber Mortgage Customer service they stated hey were filing a private mortgage insurance claim in the amount of {$39000.00}. my mortgage is delinquent in the amount of {$9000.00}. Again why is Caliber mortgage filing a private mortgage insurance claim for that amount when I'm not delinquent for that amount. I want to pay my mortgage obligation but I don't want to be taken advantage of financially. See Attachments Please! Please! Please Help
I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and they do not authorize you by me to run my credit report.
I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.
I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually closed.
Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''