WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I wrote a letter to Equifax disputing a collection account from XXXX XXXX XXXX , XXXX. from client name : XXXX XXXX XXXX XXXX XXXX. My dispute was received by quifax on XX/XX/XXXX.

They advised tha the item was investigated but it was not removed from my account.

On XX/XX/XXXX, I wrote another letter to Equifax that was received by Equifax on XX/XX/XXXX. I requested that they provide thieir method of verification as is required by the Federal Credit Reporting Act. Specifically, I asked : Who did they speak with?

What was the date?

How long was the conversation?

What was their position? What is the name of their employee that spoke directly to the creditor? and What is the position of the employee that spoke directly with the creditor.

They never provided any of the above information. They simply said that the information was verified.

As I work to get this item removed from my credit report, the above information is key to me being able to follow up effectively.

Equifax did not provide the information that I requested.

On XX/XX/XXXX, I sent another follow-up letter advising them that, as they failed to comply with Federal Regulations, they need to remove this item from my credit report. However, this item remains on my credit report.

Any assistance you can provide in the resolution of this matter is greatly appreciated.
In response to complaint # XXXX Debt Collection Law Firm Hunt & Henriques I have enclosed copies of a judgement defendant XXXX that this law states it belongs to me. I have no contractual agreement with Hunt & Henriques nor XXXX. Hunt & Henriques must permanently cease and desist. I have also fied a complaint inquiry with the Attorney General office state of California. I have also filed a formal complaint with the Federal Trade Commission for violating the FDCPA. A formal investigation should be conducted by your agency against this Hunt & Hemriques. Thank you for your cooperation.
I bought two " will call " XXXX  Tickets to be picked up & used by my indigent friends in XXXX, Az at a XXXX   XXXX serving as a station.this was on XX/XX/2018 on my US Bank credit Visa card. Last four XXXX ... .When they arrived before departure they were told the bus was running two or  more hours late out of XXXX XXXX XXXX Nv Since it was cold &  uncomfortable they asked to have their tickets rescheduled for a later time but were told that it would cost {$40.00} more CASH ONLY to reschedule, my friends had no funds & the clerk could NOT take an additional charge to my debit or charge cards. My friends could not borrow or come up with additional CASH! This whole incident is / was outrageous & unfair! The tickets were never used! I therefore have requested a dispute of the {$190.00} on my credit card ... ..the bank initially complied but the XXXX XXXX XXXX disputed my complaint! Thank you, XXXX XXXX
I use an app called   XXXX   XXXX    Well Fargo is really bad about updating my bank account info for the app to be able to work I keep getting errors that Wells Fargo has not updated my bank account deposits. I have called Wells Fargo and asked about why they take so long to update my information and they say they will have it updated very soon. Same problem every time I get paid. Along with this I recently opened my account I have not had an account since 2004 when I closed my account I opened a new one recently but my debit card says I 've been active since 2004 I have not used Wells Fargo in a very long time and when I asked about my question gets ignored.
SallieMae student loan $ XXXX, paid monthly payment terms ahead of schedule ; but their disbursements to the school were late and the school kept informing us that payment wasn't received- then when we called Sallie Mae we continued to get the run around. In XX/XX/2018 called Sallie Mae to see what the issue was and the customer service rep named XXXX just kept putting me on hold for several minutes supposedly while she looked up the account but each time she would come back on the line to stall and say that she was looking something up.
I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.
Debt was defaulted in XX/XX/XXXX. Discover continues to fraudulently report that I made payments until XX/XX/XXXX, thereby re-aging the accounts and keeping them on my credit report.
I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.
On XX/XX/2018, left a message at place of employment ( secondary contact ) with no call to primary contact number, to contact Bank of America. Auto payment was due XX/XX/2018,  without penalty by XX/XX/XXXX. This occurred in a prior incident when representative was rude to COWORKER stating the call was monitored and an attempt to collect a debt, then stated to me I dont know why youre upset youre the one not paying your bills. I spent the afternoon at local Bank of America branch updating my contact info in their computer and my payment history obtained and clarified never 30 days late, noted on my acct to NOT contact work number. Yet this has occurred again, no mail notice, no contact to primary number provided. NO help from BOA by phone.
Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. 
This home is in foreclosure and they are forcing me into bankruptcy.
XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the  rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.
I called 'Procollect rent collection agency ' at their phone number XXXX to settle an outstanding rental debt that I wasn't even aware of. I first spoke with a lady ( I didn't get her name ) who was very abusive and aggressive in her language. I gently asked her that I was willing to settle the debt with not the full amount ( {$1600.00} ) but with what I have - which was {$1100.00}. She berated me repeatedly and abused me for not accepting the offer that was made to me in 2015. I tried several times to explain to her the reasons for not being able to settle it, but she continued the aggressive berating. I asked her why she was mistreating me and was it due to the fact that I'm an XXXX and my name is XXXX and she said 'Have a nice day ' and hung up on me. 

I called back and asked to talk to a supervisor and they put me on hold for 10 minutes after which I hung up and called back. This time a lady named Ms. XXXX answered and asked me to hold and before I could reply, put me on hold once again for another 7 minutes after which I hung up. I called again and I asked the lady why they were putting me on indefinite hold and she put me through. I finally got through to XXXX XXXX and I explained to her the abuse I'd recieved earlier. She said that she trains all her employees not to be abusive which was not true at all. I asked her if she'd be able to offer me a settlement and she too rudely stated that she wouldn't and proceeded to read out the consequences. I asked her if my inability to pay would show on my credit report and Ms. XXXX STATED CLEARLY THAT THIS DEBT WOULD SHOW UP ON MY CREDIT REPORT. When I said that I'd checked all my credit reports ( XXXX, XXXX  & XXXX XXXX ) she reiterated that I was wrong that it indeed would show up on my credit report. I couldn't take anymore of her abuse and hung up. 

Ms. XXXX and her employees not only abused and berated me for not being able to pay, but she made a PATENTLY FALSE STATEMENT that my credit history would be negatively impacted by this particular rental debt.
XX/XX/XXXX XX/XX/XXXX my card was marked as potential fraud and I could not use it. I called citibank. They noted it and they sent me a new card. I informed them I needed to review the charges and see what was fraud or not. 


Sometime within a week of above - I called citibank and gave them the items that were marked as fraud XX/XX/XXXX- XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX-XXXX - XXXX I was informed they would be removed and I would be contacted if they needed anything. 


XX/XX/XXXX I checked my statment on XX/XX/XXXX and nothing was removed. 


I called and spent over 30 minutes on the phone with the fraud department. 


I spoke with XXXX ( initial rep ) and XXXX, the manager. 


XXXX said I should see a credit within 3-5 days and they would call if they needed further info. 


I am sending this email as further documentation so I have some proof of the call and investigation that I have started again. 


XX/XX/XXXX I checked my account again and no credit. 
I called and spoke with the customer service department. 
They said they didn't show open disputes. 
They said they would reopen and request credits. 
I said this was unacceptable and that this should already have been credited. 
I am happy to assist with the fraud process, but I should already have a credit. 
I asked to speak to a manager. They stated that department was closed right now ( it was XXXX PST ) They apolgized ad said I would receive a call in 24-48 hours. 
I stated, I am going to file a complaint.
I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.
My saving account has been hacked for {$5900.00}. Bank of America credited my account {$5600.00} but they refused to credit me on the transaction amount of {$300.00}. I never do business with this merchant XXXX XXXX, i never opened any account with this merchant. I went to the local branch of bank of America to discuss the matter and still not resolved. 
Note : the whole hack amount ( {$5900.00} ) came from the same merchant XXXX XXXX.. claim # XXXX
CFPB requested questionable but additional information on XXXX. I provided what I could by fax. The document is not showing any signs of upload or attachment. THis is the twenty first time since XX/XX/2012 such kind of bias had happened. It always followed a pattern. When ever I contacted other bad agencies like FTC or especially the XXXX XXXX or some anxious ombudsman representatives, the documents would be concealed or misused by breach. Would that be the reason why America chose to investigate the sitting president and/or bad guys for robbery scandal?
Hello- I have a loan with GMXXXX financial Acct # XXXX. I was a victim of fraud on XXXX/XXXX/XXXX and lost the balance of my savings and checking accounts at that time due to fraudulent activities. I files a police report with the county I lived in. This cost me more than XXXX in lost funds. The police department has been diligently working to help me recover funds from the significant theft. This also caused me to fall behind on bills I currently have. I have worked with all my creditors and my auto loan was affected. However, since then I have been current since XXXX on my loan. I have been having difficulty with them for awhile, Each time I speak with them a new amount is owed to them which was different than they last told me. In XXXX and XXXX I sent 2 payments on my XXXX XXXX XXXX which are now unrecorded. I contacted XXXX and let them know. On XXXX XXXX I logged into my account and saw that XXXX was owed and was n't reflecting a XXXX payment I made. This would have put my loan in advance. The very next day I was told my account was in arrears XXXX plus an additional XXXX due to a returned check. I had started to make a payment on my checking account however, reversed that payment and then used my XXXX which went through. XXXX proceeded to electronically complete the checking account transaction in addition to this. THis checking account transaction did not go through. XXXX has not recorded a XXXX payment and a XXXX payment. I then informed them, they did no research or ask questions. I informed them on or Around XXXX XXXX of the lost payments. They asked for evidence. I called my XXXX company and requested they address which took till XXXX XXXX to retrieve. On XXXX XXXX I made attempts to log into my XXXX account online and had no access. SO, the next day XXXX emailed the information to XXXX and sent a XXXX XXXXm for XXXX XXXX. The XXXX XXXX # is XXXX to confirm that sent payment. 2 hours later, the vehicle was repossessed. I told the gentleman I could provide evidence that it was paid when he arrived. He proceeded to say no, he forced repossession in front of my child. My employer has also stated they would refinance my vehicle as soon as it is returned to my possession for me so there are no further issues. However, they will not refinance it for me until it is returned. I am seeking out immediate assistance as I have a XXXX child at home and need the vehicle returned to transport her to medical appointments. This has become a serious matter. I also reported the incident to the PA Banking department in hopes of assistance. I am attaching the documentation for the 2 missed payments. I have also requested GM financial to send me paper statements instead of paperless as they do not always come through. I never get an account update and according to my records I have been current since XXXX and was paid in current at the time of repossession.
I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
: I have medical Insurance and they refused to take down information. Please advise to charge :   XXXX   XXXX   XXXX   XXXX   XXXX   Member ID   XXXX   XXXX   Member   XXXX  Provider  XXXX  9091 Dental   XXXX   Pharm/Hosp   XXXX
I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.
I got this call telling me about a student loan, that is under investigation, while I 'm already paying my loans with an creditor that I 'm using. They would n't listen to my response to not to call, and keep on with their business.
On XX/XX/XXXX, I went to a local CitiBank office located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to move forward with PMI removal. The banker stated he was not aware of how to get this completed but would put me on the phone with a mortgage specialist. I was led into one of the offices at CitiBank and he put me in contact with a mortgage specialist via phone to CitiMortgage, who informed me that he would have someone get in contact with me who would be able to assist me with this request. For a month, I had not heard from anyone from CitiMortgage. This is not the kind of customer service I have been provided in the past ; I have been a loyal and timely customer for a decade. 
On XX/XX/XXXX, I called into CitiMortgage and was informed by the CitiMortgage representative that the PMI was removed. When I called XX/XX/XXXX to confirm the PMI was removed, I was told the opposite. The CitiMortgage representative now stated the PMI had not been removed and my rate had adjusted which was the reason my payment had gone down. They further informed me I would be required to fill out paperwork and have an appraisal completed even though the balance is under XXXX % loan to value. 
Per the Homeowners XXXX XXXX of XX/XX/XXXX, I have a right to request PMI removal once the unpaid principal balance reaches XXXX percent of the original value based on the current amortization schedule and having paid the mortgage on time without an appraisal. I purchased my property in XX/XX/XXXX, at an appraised value of {$430000.00}. My current unpaid principal balance is {$340000.00}, less than XXXX percent of the original value. CitiMortgage informed me that my PMI was removed as my payment had gone down. Only when I called in the following month did CitiMortgage then reneged on their previous statement. I have complied with my obligations and have paid my mortgage on time with additional payments to get it under XXXX % loan to value.
I had several years ago auto loan in one bank with amount of XXXX . I got sick and stayed without job. They have given debt loan to other bank- XXXX XXXX Utah . I did n't understand that transition and did n't know I need to pay that other bank because I did n't have open account in that bank. That other bank did n't even want to talk with me when I tried to solve problem. They have just said They give me on collection to the collection agency '' Knight Adjustment Bureau '' Utah. They rejected my offer and charged me with extreme rate.
On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.