WillisBack/dataset-financial-user-claim huggingface dataset:
I received a copy of my credit from Experian on XX/XX/2017. And I do not think they investigating my account situation. # XXXX they are not stating how they are verifying the information. They information they have on file is inaccurate. They can not say they called the company because the company they have list with the phone number is disconnected. I do not feel I am being treated fair. The number listed is XXXX. Along with the information they are sending me. States This item remained unchanged from our processing of your dispute in XX/XX/2017. How is that possible when they clearing sent me a report XX/XX/2017. I really feel they are lying to me with the information they are putting on my credit report. So either they putting false information on my credit report, or putting whatever they feel at that moment. I think that is unfair to me because I been working hard to pay things off what belong to me. I inform them under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I attach some example of the credit report to show what I referring too.
Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay.
BBVA Compass is not allowing me to close my account. They told me that they will close my account so long as there are no transactions within 30 days. They have taken out funds from my account when and have a note it is for some type of offset. After a week, I call back to check on my account because of this " offset withdrawal '' and there is no record of my calling about the account to be closed. I live in NJ, and there is no BBVA Compass in NJ or NY for me to handle this at a branch. Each time I call, I hear a new statement. Agents are not entering in notes. The bank keeps transferring funds between checking and savings account which leaves me with overdraft fees which they will not refund. I need to close this account as soon as possible because this bank is not capable of doing anything except stealing consumers finances. 

The last representative I spoke with is XXXX : Employee XXXX He did not allow me to speak with a supervisor. 

Now living in another state, I have to call a branch and investigate the debit memo myself. I do n't believe that is my job. If I am calling a bank to help me figure out something, they should have the courtesy to follow up with the branch and see why this happened. Instead of me explaining my story to multiple people when there are no notes being made in the account anyway. Overall I would like to prevent any of my money to go to BBVA Compass.
The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.
I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.
The amount of interest is ridiculous. I applied for this loan and did not anticipate it working like this. I make good money, and was in between jobs. My payments are over {$300.00} and that barely covers the interest. I am in Louisiana and from the laws I can find this is a illegal practice. The company has links to previous loan statements but every one of them says the document is unavailable. I can see this company creating a new invoice with whatever numbers they would like.
I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. 

Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. 

Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. 

I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. 

This is completely unacceptable! 
When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. 

I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. 

Please investigate them and DO SOMETHING!
I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.
On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.
Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied.
I have been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered " private student loan ''. Per their records, I have paid {$34000.00} ( {$23000.00} in interest, {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However, they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST, per their emails/letters ). At this point I am considering filing Bankruptcy due to the lack of relief from the alleged loans.
i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.
This is in regards to XXXX and XXXX XXXX. A few months ago I paid off some older purchases that were coming up on the end of their promotional period ( or at least I thought I did ). However, when I went onto my account yesterday I found that I had several hefty finance charges. When I reached out to ask why, I was informed that they arbitrarily applied my payments ( over {$3400.00} ) to what they chose too and then hit me with {$800.00} worth of finance fees for the older purchases because the promotional time frame passed. At this point my entire outstanding balance consists of these fees. 

This is the automated response I received : " Please be informed that first, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. 
However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. ''
I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.
There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX
A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach XXXX XXXX.
Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.
Transunion, XXXX, and XXXX has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX, and XXXX. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, Transunion to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my XXXX credit report due to Civil Case No. XXXX, XXXX , Et Al., v. XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.
In XX/XX/2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment
I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.
Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN XXXX days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.
I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?
I paid a loan in full on XX/XX/2018. I filed a dispute with equifax but the employee disputed company, not balance. XXXX of equifax stated it was their fault. However, I had to submit new dispute ( XX/XX/18 ) to get the balance updated to XXXX. XXXX says it will take another 30 days to correct the mistake. It is now 90 days since the balance was paid in full and has not been updated on my report. Customer service blames XXXX XXXX but XXXX confirms they provided correct info, XXXX balance. 

There is not a number to call a supervisor directly nor is there a way to submit complaint via email. I am sending to you as there is not other recourse. I hope you can assist me with this issue. Thank you!
AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!