WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed a complaint prior to this XXXX asking Chase Bank ( the holder of my credit cards to lower the interest rate on my cards ( I have a perfect payment record on all my cards ). They did nothing. Since that time I have paid off my credit card debt, have XXXX balances on my XXXX Chase cards and have a XXXX Credit Score- an excellent score. I have since contacted this bank and was told there was nothing they could do. The interest rates range from 19.99 % to 29.99 %. I appreciate the fact that we have the CFPB, but I also believe that this bureau needs the muscle to force these banks to do the right thing. They respond immediately when a complaint is filed, but do nothing.
Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.
Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.
Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.
XXXX has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. XXXX and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.
On or about XX/XX/2017 I submitted a request to EQUIFAX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 

More specifically, EQUIFAX is required by federal law to verify and PROVIDE PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 

Despite numerous, requests, EQUIFAX has NOT done so for : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXXXXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below :
repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?
I checked my credit score on XXXX in the information was wrong I never made any of them claims
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. Equifax XXXX
EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report
I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )
Credit Collection Services ( CCCS ) appeared on my credit report. This debt is coming from XXXX XXXX. I have n't been given the chance to dispute as each call received or made to this creditor the representatives are only interested in me paying balance. I have tried to discuss and advise them I do not understand why I owe balance and the reply is always " this debt is non negotiable and this is the amount needed to be paid ''. I do not feel I owe XXXX this balance as I inquired a new, different policy within few days after my due date. This collection agency has ruined my credibility. I feel victimized and helpless.
I have been disputing with Transunion since about XX/XX/XXXX. They started responding to my request after they have sent me numerous letters from the months of XX/XX/XXXX-XX/XX/XXXX. Stating that my debt is accurate and verified but they have yet to provide me with any proof of the accuracy and the method of verification a list of accounts I need verified are below. 

XXXXXXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXXXXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX  account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

My most recent dispute attached below please review
I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.
I have been submitting complete packet after packet and they keep denying me. I had XXXX XXXX in XXXX and had it removed. This is my only home we have 3 more years until my my last XXXX children graduate from high school we work all the time and just want to pay our mortgage. In XXXX we were unfairly targeted by a new IRS Agent who had our taxes that were filed by an enrolled agent we just didn't make enough money with XXXX young kids that were only 16 months apart. She put an Levy of {$180000.00} on all 4 of our jobs, bank account we could not even buy food. We were forced to file bankruptcy to get the amount fixed. Our income that year was only {$40000.00} for a family of XXXX. 

As of the past two months my income has increased by a goo amount since the last modification packet in XXXX that I was denied. I just got off the phone with SPS and she said they can not look at another packet for me because the Sale date is in a week told me to file BK or sue. I have done over 28 modification myself and spend countless hours this is not helping my health and they would rather fight us in eviction court than allow me to try to become current in the coming years. It will cost the bank more to remove us as I have NO where to move my family and dogs and have another XXXX on XX/XX/XXXX to remove XXXXXXXX XXXX and my XXXX. XXXX XXXX wants to kick families out and put the cost on all the consumers instead of trying to help people willing to pay for their homes. Select Portfolio is the worst company
I have sent several certified letters to Professional Bureau of C regarding a debt I have had no knowledge of and never had. I asked them to validate the debt because I NEVER had ANY XXXX services. They removed the debt each time but then after a few months they put it back on the report. I few months ago I spoke to a rep at the number listed on my credit report and he acknowledged it would be removed on the next month but it was not. When I called back the agents had an attitude and said I have an attorney on the case. They say each time I called the last call I made I said I had an attorney. I never told them that because I want this removed. At one point I was almost willing to settle it to have it removed for good but they did not talk to me. I have all the letters I sent out previously asking for it to be removed and have disputed it on my credit report. I am not sure what to do because i have attempted to have them validate this debt and they did not. It is for XXXX I told the credit bureaus this was happening and that they keep taking it off and putting it back on but they seem to be of no help. How do I get this permanently removed. Please advise
Hi, I have owned a XXXX AMEX credit card for the past two years. This particular card has sat in my home safe since I 've received it. It 's never been held by anyone, never been used. This past month I receive a statement that shows I owe {$0.00} ( that is correct, XXXX cent/penny ). I am pasting my statement below to show this fraudulant charge. Since nobody has or have accessed my card sitting in my safe, logic dictates that XXXX XXXX XXXX added this made up charge to my credit card. 

XXXX Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/2016 Account Information : XXXX Payment Information Account Summary Mail billing inquiries to : New Balance Total XXXX {$0.00} Previous Balance XXXX {$0.00} XXXX XXXX XXXX Current Payment Due XXXX {$0.00} Payments and Other Credits XXXX XXXX XXXX XXXX Purchases and Adjustments XXXX XXXX XXXX XXXX TX XXXX Total Minimum Payment Due XXXX {$0.00} Fees Charged XXXX XXXX Mail payments to : Payment Due Date XXXX XX/XX/2016 Interest Charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Warning : If we do not receive your Total Minimum Payment by New Balance Total XXXX {$0.00} XXXX TX XXXX the date listed above, you may have to pay a late fee of up to {$35.00} and Customer Service : your APRs may be increased up to the Penalty APR of 29.99 %. Total Credit Line XXXX {$7500.00} XXXX Total Credit Available XXXX {$7400.00} Cash Credit Line XXXX {$750.00} ( XXXX TTY ) Portion of Credit Available for Cash .... {$750.00} Statement Closing Date XXXX XXXX Days in Billing Cycle XXXX XXXX Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!
I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.
For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.
I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me. 

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested. 

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through XXXX XXXX, Experian, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?
The original lender of this loan was Citibank Student Loans. I had taken out 3 loans in total with Citibank. Two were sold to XXXX XXXX XXXX, and one was sold to and serviced by XXXX XXXX ( XX/XX/XXXX ). 

There was original discrepancy when my account was transferred to XXXX from Citibank. Fast forward, I had not received an additional deduction off the prime rate of 0.50 %, a benefit that occurs after the first 48th payment. There had been a technical glitch where I submitted my forbearance application and payment, which I should not have been penalized for. 

Fast forward to XX/XX/XXXX, where Citibank ( via XXXX ) agreed to give me this benefit, and backdate the adjustment to XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX ), sent me a letter which is attached to this complaint. I was suppose to {$1000.00}, which is what XXXX XXXX XXXX stated on XX/XX/XXXX. She said the credit went into affect on XX/XX/XXXX, therefore I asked her for proof since, I did not see a significant change in balance, other than the additional payments I have made. She mailed me paperwork, which I received early this month. Again, I did the calculations, and checked my bank statements, and did not see the {$1000.00}. I emailed and called her several times, to which I have not received any updated paperwork. Prior to XX/XX/XXXX, I called her almost every week regarding this credit, and there was no information. 

In comparison, XXXX XXXX XXXX, which bought two of my Citibank loans, immediately calculated and credit my account within days of notice and evidence of paperwork ( last XX/XX/XXXX ). 

I have been frustrated with this transaction with XXXX, and never received email responses back from XXXX XXXX, and had to call multiple times just to get in touch with XXXX XXXX. I would like to have the {$1000.00} credited to my account, so I can make significant payments to paying this loan off. I had called in XXXX - XXXX for status updates because of the impending rate hike. I have also carefully tracked this balance and my payments, and logged calls with XXXX staff. I would like for Citibank to issue the credit since XXXX does not have the capacity to fulfill Citibank 's request. 

I am attaching the original letter from Citibank, as well as the itemized documents that XXXX sent me with my notes, and multiple emails to XXXX XXXX, careful tracking balance of each payment ( my notes ),  and call log to numerous reps from XXXX. If you notice on the last two pages, there are pencil notes showing who made the payments, and where I should be seeing the {$1000.00}, but don't see. XXXX XXXX claims that it is a back-end technology issue, and was going to send me paperwork. However, I never received any paperwork past XX/XX/XXXX and it has been 2 weeks past the last time we spoke, XX/XX/XXXX. There are more documents that I can send, but given the limit of 10mb,  I can either mail and send them to you. I am only uploading what is relevant.
The customer relations staff at this company continue to IGNORE our problem and concerns. The keep supplying the same answer despite at least 7 times being told that this is not information that is made available to us as credit union members. They can now answer to this legally in a court of law as this is in the Oregon Justice Department and we are seeking legal counsel since they have been unwilling to do anything except patronize us. I hope in the future for the sake of other customers that they hire some people who actually are able to understand and resolve issues. We are not going to stand for being accused of fraud for paying our credit card payments from our own bank account.