WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.
I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.
EXPERIAN COMPLAINT Experian intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
I am very frustrated with American express. American Express customer service is horrible. I just opened a blue cash everyday credit card account few weeks ago ( in XXXX 2015 ), and then I received a pre-approval mail today for the same Amex Blue Cash Everyday credit card with a better promotion offer ( {$150.00} cash back bonus instead of only {$100.00} bonus ) under my name and the same home address of mine. I called to ask if they can grant me the promotion of the mail that I received since my credit card account is relatively new ( only a few weeks old ), plus I received this mail offer ( with the same credit card product ) from them directly. After over an hour repeatedly explained and waiting due to I was being transferred around to different departments and agents for several times, and then only got an answer from a supervisor ( agent ID XXXX ) basically saying sorry, a bad luck. I even tried to contact American express via other social media, such as ask Amex on twitter, and they informed me that there is no direct email that I can contact regarding my concern, and they can not do anything. I was extremely upset and frustrated with their service. I just do not understand why they advertise me a promotion offer that they can not grant. What is the point of advertising / sending me an offer IN MAIL to me directly ( with my name and address on ) for a credit card product that I just obtained ( exactly same credit card product ) few weeks ago, and then told me there is no way for me to receive such promotion. This is ridiculous. 

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.
sent certified letter for validation and cease and decist all communication dated XX/XX/XXXX to XXXX Midland Funding XXXX I received a letter dated XXXX that they ca n't validate debt and they have ceased collections and closed account. i have received calls from XXXX XXXX to my fax # XXXX XXXX so i called it due to numerous calls and it was in regards to midland funding the disputed account and cease and decist filed on XXXX XXXX, 2015 i informed the man that they are in violation of FDCPA cease communication also trying to collect on an account that is disputed and also past statues i could only go back to XXXX but these are the dates and times of calls From XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX and today XXXX ; XXXX XXXX ; XXXX XXXX i do have copies of all letters and response sent to agency
I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000
I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.
Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.
Beginning XX/XX/2018 I begin my dispute process with XXXX, XXXX, XXXX and ARS concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy.

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate.

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, XXXX, ARS, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Halsted Financial contacted me trying to collect on a debt that I do not owe. I asked to be emailed the information concerning the debt on XXXX separate occasions I was told that the emails were sent. I checked regular and spam folders, no email explaining this unverified debt. I am being harassed by a pre recorded message telling me to contact their office immediately of be faced with legal action. I have asked not to be contacted as well as debt verification, neither has been received.
PNC Bank closed out my checking account containing over {$70000.00} with no reason and no prior notification ( they said they reserve the right to conduct periodic reviews of customers accounts and close their accounts when they feel the banking relationship should end ). I need my money to pay bills and they have not given me my money. They are jerking me around. I spoke with a regional manager yesterday and he said they could not issue me a check at the bank and I would have to wait for it to be mailed. In the meantime, I have no money. Checks that I have written will surely bounce, automatic bill payments will not be made, and I have no cash for my daily life. Please help me. My family is dependent on my finances, which PNC irresponsibly cut me out of.
I have an auto loan with GM financial and in the earlier part of the year, I realized that they were not reporting my account history to the credit bureaus so I contacted them and they told me they were updating their system and they turned their reporting off. So I wasn't pleased with that information so I reported them to the XXXX XXXX XXXX. Once that was done, I checked my credit report and saw that GM financial reported to XXXX XXXX but not XXXX, and I reported this to XXXX XXXX XXXX   in XX/XX/2018. I then disputed this with XXXX in XX/XX/2018, and received my dispute results on XX/XX/XXXX, so I checked and the history reported is still incorrect, it is showing my last payment received was in XX/XX/2018, which is incorrect, my last payment was XX/XX/2018. I want the correct information reported to all 3 credit bureaus, as a consumer, I expect this to be done accurately and timely.
I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}
TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens
Back in XXXX or XXXX I was going through a divorce where it was decided my ex-husband would pay this payment until divorce was final. I woke up one morning and car was gone, he ended up not paying for a month or two and I had not received any proper notice and the car was picked up by Toyota. I called and promptly paid the past due amount and all legal fees involved and paid off the car the following year when I traded it on another Toyota. 
I find it disturbing that I was not properly notified and I paid the debt within hours, and even financed another car through their firm and they are keeping this blemish on my credit report and are unwilling to remove the item even though it was more than 7 years ago.
Experian would not let me authenticate my credit account so I can review it for inaccuracies. The woman I spoke to on the phone said I would have to pay XXXX dollars a month in order to view what is reporting on their data, and dispute it, which is illegal.
On XX/XX/XXXX ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX  XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
We was in an XXXX accident in XXXX of 2016 in XXXX, Ohio. The man who XXXX cited for the accident and we went to court. We assumed this situation was done for and everyone was pretty much chalking up the damages to our car. We get notified from the XXXX when we tried to get tags on a new car and we were notified that the license was suspended due to the accident and that we owed the man almost XXXX dollars. We NEVER got any notification of this from last year to now. If we never went to the XXXX we would have never known. Every time I attempt to call these people to get more information they give me the run around or they just hang up on me.
I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.
I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.
I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.
I received my statement from chase, And the fund I received was not the correct amount especially in my saving. also my checking had been compromised.
Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {$2000.00}, {$200.00}, {$1600.00}, {$1800.00}, {$1800.00}, {>= $1,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.
We are trying to do a streamline refi. 
As of XXXX XXXX carrington mortgage took over loan from XXXX XXXX XXXX they first said we did n't make our payments for XXXX, XXXX and XXXX of XXXX. Now they are saying we have not made payments for XXXX, XXXX and XXXX. We went and got bank statements showing we have paid them and on time my credit score went from XXXX down to XXXX. I became XXXX in XXXX and carrington mortgage is ruining our credit. Please help. I can fax all bank statements proving there is no late or missed payments. XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX these payments were taken out of my checking by carrington mortgage. I would take pictures of my bank statements but not sure how to do that like I have stated I can fax them.
Hi, I am writing to see if the credit report companies can show a sign a good faith in removing my credit inquiries on my credit report. I started a small business and had gotten denied for a business credit account by XXXX. My company is on hold until i can resolve this issue. I called XXXX twice and i am unable to convince them to open a business credit line for me. My credit score is in the 700 's  and i have never missed a payment. I also do not have any negative remarks on my credit report. Please help. Thank you.