WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. 
In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX  balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. 
I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.
My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.
On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong to me.
Bank of america claims I made a claim when I did not. It does not show in my claims messages or my bank statements. This is incorrect.
I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.
I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX XXXX.
I am very confused as to why I have student loans from Navient Department of Education and they did NOT pay the University that I was attending for the Fall XXXX semester. The university NEVER received the money but I still have to pay back the loans that I never received. Another thing is that I did not attend the university for the XXXX semester because the university did not receive the full tuition payment. So therefore I had to leave college because of financial issues due to loans that I never received.
I have disputed with Equifax a public record ( state tax lien ) on my credit report. I ordered a copy of my credit report and I saw an entry from XXXX court hourse. I contacted the XXXX clerk of courts and there is no state tax lien. The court does not report any information to the credit bureaus or anyone else and is unaware of what information the credit bureaus or anyone else may have obtained from public records which can be inaccurate. Equifax deleted my State Tax Lien and than within 2 days later added it back which is not allowed, and illegal without the credit burea sendiing me something in writing within 5 days. EQUIFAX already has a Federal Class action settlement ( Civil No XXXX MHL XXXX XXXX for this exact same issue.
Financial Data System i s reporting that I have a {$450.00} collection with   XXXX   XXXX   on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.
XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX  was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.
I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.
I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. 
EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. 
I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.
The last payment I 've sent out to pay my mortgage with Chase was " not received ''. I have an ongoing dispute with Chase over the way they are processing my payments. It seems to be taking longer and longer, sometimes over XXXX days for my payment to arrive, or at least according to their claims, which resulted in late fees that I am currently refusing to pay and disputing. I have good reason to believe that they have intentionally " lost '' my last payment as a form of retaliation for attempting to dispute their late fees. I will also be switching over their pay by phone system, which should be harder to falsify than mail.
After four years of investigative research, and denial of disputes by Experian, I contacted each and every creditor, and inquiry on my credit report. In such on XX/XX/2017, in violation of the statue, and part of the selective and inaccurate verification practice of credit reporting agencies, by selectively abiding by the lawful requirement, but should illustrate that the process needs more oversight, because its materially flawed, and allows credit entries, and inquiries upon consumers report without justification. 
On XX/XX/2017, and inquiry appeared upon my credit report from a company identified as appfolio, upon contact to that company, it was found that the information used to gain such access was not the accurate information of my identification. Experian techniques for verification subsequently has been revealed, and is verified by this creditor. The social security number that applies to this inquiry is XXXX, and my actual social security number is XXXX. Additionally in disputing the public records it was found thru inquiry that Experian is n't verifying the information as purported but only verifying the last XXXX dights and name likeness, which is insignificant and not proper. In such since they ca n't verify my the accuracy of entirety of social security number, or name, but only a portion, and that portion having been stated in that inquiry to be others performing the same, it is not likely that Experian has accurately disputed any information from disputes of the prior four years, and in such is guilty of creating financial hardship upon this consumer based upon a flawed system of verification, that is n't total and complete.
I have contacted Equifax regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and EQUIFAX is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above XXXX components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the XXXX components under the FCRA and EQUIFAX is in essence breaking the law and I am requesting that they either show me all XXXX pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX XXXX XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX XXXX XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me*** 5. XXXX XXXX XXXX Date of inquiry was XXXX **I called XXXX and they find no evidence to support permissible purpose on this date listed**** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others.
On XXXX XXXX my account was overdrawn {$31.00} at end of daily transactions. I was charged two {$34.00} insufficient funds fee. I had enough in my account cover all but one item. I should have been charged only one fee. The withdraws were sequences so they could charge me two fees. I was charge {$34.00} for a {$20.00} item and {$34.00} for a {$25.00} item. Page 2 reflects several withdraws with amount greater than {$31.00}. They paid highest amt to lowest amt which results in Chase being able to collect more fee.
I spoke to XXXX XXXX ( supervisor ). She said she could only refund me back {$14.00} of the {$68.00} they charged me because I had been refunded fees in the past.
My complaint is had they not sequenced the way they did I would have only had one {$34.00} fee not two.
i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.
I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.
Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual credit report?
I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.
I applied for credit XX/XX/2017 at this time it was disclosed to me a debt was placed on my report. I have no knowledge of said debt and did not receive a notice to dispute the validity of the debt before it was added to my report.
Trans union posted a hard inquiry that I didn't authorize by a company named XXXX XXXX. I live in Mississippi. This company is XXXX. I want them to take this inquiry off my report because I did not authorize it.
Hunter Warfield, a collection agency out of XXXX has been trying to collect a debt and been threatening my credit rating. I just learned today that they have reported me as deceased to XXXX even though they called me again today. I have started the dispute process with XXXX and also contacted Hunter Warfield and spoke with XXXX XXXX who assured me that they did not report me deceased. I have paperwork coming from XXXX to confirm the report. What can be done about this?
The account in dispute is a Capital One MasterCard account. On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a CASH ADVANCE FEE of {$16.00} was assessed, and finally on XX/XX/XXXX, another CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed. The grand total of these erroneous charges comes to {$25.00}. When I contacted Capital One directly by telephone regarding these fees/charges, they adamantly refused to do anything about these charges. ( Interesting, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these three illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount of {$25.00} without any further delay.