WillisBack/dataset-financial-user-claim huggingface dataset:
I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX and XX/XX/XXXXbut on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
I lost my job in XXXX of XXXX and my husband and I were given an opportunity of paying {$610.00} per month stating there would be no actions against us knowing I was going to court to be reinstated. During XXXX of XXXX without our knowledge the house was in foreclosure. We actually found out our house was up for foreclosure from a neighbor who has a friend that was interested. We were on the foreclosure list and when I would call they claimed I was not, except it was all over the internet and investors were constantly writing offering to buy it and give us time to move out. One of the associates told me she needed to set up an appointment to inspect the house, another person from Wells Fargo called my husband and told him that when we left we would have to leave the stove, refrigerator, and microwave all this while we were still trying to save our home, meanwhile we continuously filled out paperwork for for forbearance 's and we were continuously turned down. In essence out of the ten payments of the requested payments of {$610.00} no payments were deducted. We were told it would take {$26000.00} in order to bring our loan current and we paid that on XX/XX/XXXX. We really tried to pay on the XXXX of XXXX but they told us they had to hold our cashiers checks until XX/XX/XXXX to verify the money. After paying {$6100.00} and then {$26000.00} they only deducted XXXX XXXX from the {$210000.00} we owed. Although we never received a forbearance they then raised our mortgage from $ XXXX+ to {$2000.00}. Wells Fargo also raised the interest on the mortgage. In XXXX we paid {$5100.00} in interest. In XXXX we paid {$4900.00}. Wells Fargo is now charging us {$930.00} per month for interest. we supposedly have a fixed rate but the person I spoke to today XX/XX/XXXX. I already told them they were just trying to take older persons homes and will send a copy of the statement where it shows they kept the money for themselves. 
In addition to all of this they sold my mortgage loan to another bank stationed in XXXX without our knowledge. We did not find out until their lawyers gave us this information. I have tried to speak to numerous persons including, XXXX XXXX who keeps promising to research but always says he forgot ; while talking to me as if I am just stupid and do not know what is going on. Note the last time we tried to get a modification they raised our mortgage by a couple of hundred dollars instead. They called this a modification.
My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX
I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!
Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.
After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference XXXX
At the end of last year ( XX/XX/2017 ) I noticed that there were a lot of incorrect notations and fraudulent accounts I never authorized. I attempted to pay a credit repair agency {$500.00} to help clear the errors but they have been unsuccessful thus far. They sent out a round of letters to the bureaus but the return response was inconclusive to my knowledge. My score is still terrible and I'm out of {$500.00}.
I 'm the victim of a scam. You probably ca n't do anything about that, but the used a MoneyGram Payment Service so I believe I should make my complaint here. The scammers found a piece of property I own and made an offer for it on XXXX which we agreed to. I ( stupidly ) sent XXXX as processing fee and, of course, I was never contacted again. The numbers used are XXXX ( XXXX XXXX ) and XXXX ( a bank employee ). These are probably burner phones, but I encourage you to try to find the scammers.
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor  is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I have been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.
I have submitted two requests to Trans Union to verify and validate the information on my credit report regarding two charged off accounts. On all three occasions they failed to provide me with all relevant documents, the name of the person who verified the information, and the method that was used to verify the accounts. My first submission was XXXX XXXX, XXXX. The accounts disputed as charged off were XXXX XXXX and XXXX XXXX. My second dispute was XXXX XXXX, XXXX. The disputed accounts were the same. In both responses, Trans Union stated that the information was simply verified and updated without any proof of such verification. Under the FCRA the credit reporting agencies are required to have a copy of the original signed contract, copies of account statements, and are to provide the names of the individual from the company which provided the information. Trans Union has failed to complete a thorough re-investigation as required by the FCRA. It is my understanding that all disputes are out sourced to foreign contractors and they are given an average of 18 to 90 seconds to investigate a dispute. This is a direct violation of the FCRA in that the re-investigation is not conducted properly and by an actual employee of the credit reporting agency. I request that the practices employed by Trans Union and the other major credit reporting agencies ( XXXX and XXXX ) be investigated as they continue to violate the rights of consumers with no fear of prosecution.
This complaints regards to a undelivered account opening bonus promised and confirmed by citibank. On XXXX 2016, I opened a new Citi gold interest checking account with an opening bonus to receive XXXX AAdvantage miles when certain requirements are met. When I got my card, I contacted the customer service to confirm the offer. Also after I met all the terms of the promotion, I called again and the customer service representative told me that I should receive my bonus within three months. Now the three months passed by and I have n't received the bonus. I contacted citi again and now they said I am not eligible for the offer. Even though all the previous calls I made, they said I had the offer, met the requirements and would get the bonus. The citi representative today refused to open a case, investigate the issue or provide a solution. I think this situation has be very troubling, deceiving and unethical on the part of citibank.
I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the report.
Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.
Upon reviewing my credit report Id noticed XXXX XXXX XXXX reporting a balance of {$370.00} which I do not recall this account nor receiving a notice from them. I contacted them by fax @ XXXX ) XXXX with a letter requesting documentation bearing my signature. This item is reporting on my XXXX, XXXX, and XXXX report which is in violation of the FCRA if documentation bearing my signature which Im entitled isnt provided this item should be removed immediately.
Paid {$30.00} to a division of Citizens Bank to get a lien release on a paid off XXXX  XXXX that was owned by XXXX XXXX The Citizen person said everything was in order with my request Today I received an email stating they will not be sending me the lien release
I would like to have my name XXXX XXXX remove as auth user on this acct XXXX : spirit card from bank of America.
Hello, I had processed a moneygram for a person named XXXX XXXX based off in North Carolina. The transaction was a total for {$240.00}. The agreement was that I will be required to pay half and once I receive shipment, the rest. After paying the half, XXXX seems to have gone underground with it. I can not reach him on either of his numbers. The reference number for the moneygram is XXXX. I am not expecting to recover from this sort of fraud but atleast that he gets caught and does not repeat the same thing again with someone else. 

XXXX XXXX is based off in North Carolina and his cellphone numbers are XXXX and XXXX.
I have been trying to get an income based repayment plan with Navient for months because I am at my annual renewal point. Every year I go through the same fiasco, it takes months and then they finally tell me I owe nothing for 1 year. Some years they tell me I need to send my husband 's income information becausr we file joint income taxes and other years they tell me they do n't need it because he did n't co-sign my loans nor does he have any student loans.
XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. 
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. 
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. 

Enclosed /Copies :
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Navient- Numerous times I have to tell Navient how to apply my extra payments. The misplace my extra funds to make it look like I skip a payment and I still get accrued interest on the past interest and the principal amount. The principal amount is full of accrued interest that will never get paid off based on how they tackle the payment. I will never get to the point where I will never pay off with interest accruing over the payment amount. I tried to do income base since I started w navient and ever got approved. I pay the amount and there is always more interest even being on the interest only plan and then getting on regular payment plan there is still more interest than what goes to principal and interest so the extra interest gets tagged onto the principal of the loan. makes no sense I will be forever paying interest even w the princiapal. Ive been paying for 10 years and still have 20 years left. my loan balance original amount is already 4 times the amount with making payments.
This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX