WillisBack/dataset-financial-user-claim huggingface dataset:
i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016
Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/XXXX.
I have written to Mid-Atlantic Finance Company about providing me with a copy of any viable evidence bearing my signature showing the account is being reported accurately to the credit reporting agencies. On XX/XX/2016, I received a letter about what I had asked for, then I preceded to wait til 31 days to see if they would provide a " notice of dispute '' to the credit reporting agencies like the law requires them to do so. When I checked my credit reports, they have not provided the statement that I had disputed the item directly to them by letter. They were suppose to place the statement that I had " disputed by consumer '' in the remark area on all the credit reporting agencies. They have not done a thing and it 's been over 30 days. I sent them another letter saying they have violated the federal law to place a Notice of Dispute to all the credit reporting agencies within 30 days time frame. They have violated the FCRA. My letter clearly says to them that all they have to do is remove their company 's name and the negative remarks off my credit report on all the credit reporting agencies because they have broken the law and I will not decide to take them to court. I also let them know that I was going to report them to this website as well. Since they violated the Federal law I wanted them to know that I was going to take them to court in my area and I was suing for {$5000.00} in damages for the following : defamation, negligent enablement of identity fraud and violation of the FCRA. They still have not place the notice of dispute on my credit reports. Now I just want them to delete their company off all my credit reports, if not I will decide to get a lawyer and take them to court. All they have to do is delete the item off my credit reports. I have proof of every letter that I have written to Mid-Atlantic and their response to my letters in return. I will be going to court because I can proof my case.
THIS IS YET ANOTHER COMPLAINT ABOUT WHAT CHASE BANK HAS DONE TO ME.EIGHT AND A HALF YEARS AGO I ASKED CHASE WHAT THEY COULD DO FOR ME. I DID NOT ASK FOR A MODIFICATION OR A REFINANCED MORTGAGE. I SIMPLY ASKED WHAT THEY COULD DO. I LIVE IN A COLLEGE TOWN AND HAVE NUMEROUS RENTALS AND IT WAS HARD KEEPING ALL OF THE HOMES OCCUPIED DURING THE CRASH OF 2008. CHASE AFTER MANY MONTHS TOLD ME I QUALIFIED FOR MODIFICATIONS ON ALL THREE OF THE LOANS I HADWITH THEM, I HAD NEVER MISSED A PAYMENT AND MY CREDIT SCORE WAS  XXXX. THEY HAVE ILLEGALLY FORECLOSED ON ME, BROKE INTO MY PROPERTY, CANCELLED MY INSURANCE AND SHUT MY UTILITIES OFF. I HIRED AN ATTORNEY AND WAS ABLE TO GET THE HOME BACK IN MY NAME. THEY ARE NOW THREATENING FORECLOSURE AGAIN, AFTER FOLLOWING ALL THEIR DIRECTIONS TO GET A MOD. THEY LIE, CHEAT, DECEIVE, AND EVEN STEAL MONEY FROM ME BY NOT APPLYING ALL OF WHAT I HAVE PAID THEM ON MY MORTGAGE. PLEASE I NEED YOUR HELP TO STOP WHAT THEY ARE DOING, OR MAY DO. IT IS A HELLISH NIGHTMARE I WOULD WISH ON NO ONE. PLEASE HELP. I WANT MY NAME AND PHONE PUBLISHED SO OTHERS CAN CONTACT ME. XXXX XXXX XXXX. I HAVE IN MY POSSESSION A CONFIDENTIALITY AGREEMENT CHASE TRIED TO GET ME TO SIGN TO SHUT ME UP FOREVER, WHICH I INTEND TO GO PUBLIC WITH IF THEY DO NOT FIX THE MESS THEY CREATED.
On XX/XX/18, I sent LVNV Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. Original creditor account number XXXX. As is required by both the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, I had not received a response to by dispute or request for validation from LVNV Funding. On XX/XX/18, I sent a follow up letter to LVNV Funding, advising them that they had not responded to my XX/XX/18 dispute and request for validation. It has now been more than thirty days since my second letter, and LVNV Funding has still failed to notify me of the results of their investigation, or to send me written validation of the debt. According the the FDCPA and the FCRA, LVNV Funding must now cease collection activity, and delete the entry from my credit report. I am requesting written confirmation from LVNV Funding that the item has been deleted from my credit report.
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX
My mother 's reverse mortgage was sold from XXXX to Champion Mortgage company. Before Champion we paid our property taxes quarterly. Champion mortgage company insisted that we pay for the full year paying the property taxes upfront. We told them that we could n't afford to do that. Champion said they would pay the taxes upfront for the year and we would pay them back. We continued this process until they said my mother had reached her threshold and they could n't help us anymore. The mortgage was put in default. The mortgage company sent us a hardship form so we could request assistance to help us with the taxes and insurance and said it needed to be approved by XXXX. After several attempts to get some answers we were told told it was still in a processing state. We never received a response. I then contacted a XXXX counselor. spending about a hour going through their application/ check list process. The counselor had a list of less resources than I had. I had already contacted the programs she suggested. I contacted the XXXX, XXXX XXXX for Older Adults, XXXX, and many others. We are now in foreclosure. We need help. We have lived here for 49 years. My mother is XXXX XXXX XXXX with multiple medical conditions including XXXX. She receives XXXX, I am on XXXX XXXX and I have a XXXX daughter here with us. We did everything we were told to do to prevent this from happening. Since this mortgage is about XXXX XXXX XXXX, we have seemed to run out of options. There is no more equity and the monthly insurance, maintenance, other fees have eaten up the money. The mortgage is double what the house is worth. We ca n't find any help. Champion Mortgage and Nationstar Mortgage have a long history of abuse and taking seniors homes. Hundreds of complaints can be found via the internet, BBB, Consumer complaint websites etc.
This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.
Suffered a casualty loss to my home due to a hail storm.
Insurance check made payable to me and my mortgage holder ( mortgagee ).
We endorsed check and the mortgagee deposited.
When we submitted bid for repair, mortgagee issued a check payable to contractor and me.
Contractor and I properly endorsed check and deposited Bank declined deposit because of " improper endorsement '' When we initially contacted bank, they indicated a corporate seal is required. In Texas corporations, LLC 's and sole proprietors are not required to have a corporate seal. When we pointed this out the bank told us the check could only be deposited in the contractors account.
The bank upon which the check was drawn indicated this is not true, that they would honor the check Contractor bid was 50 % at start, remainder on completion with the job to start 45 days in the future.
The insurance company will inspect my property upon the completion of the work to ensure the work was completed based on the adjusters appraisal and recommendation.
By denying the deposit of a properly endorsed check the Chase Bank of Texas is denying for no valid reason access to my funds. Furthermore, by their policy they promote contractor fraud by allowing the contractor full access to the funds before any work is undertaken.
This complaint is against paramount equity at XXXX XXXX XXXX XXXX, california, first they told me that my husband and I were approved, and that we should hurry to fix our upstairs bedroom, so my husband and son bought the supplies, charged it on our credit card to hurry and finish the room so the assessor could take a look at the house, then had to fix all the thing that they needed done. So we hurried to get that done. Hurry hurry to get it done. Then they needed all kinds of paper work, one of the workers said they needed one years worth of my checking with my account number on it which I thought was odd. It was to prove that I was getting XXXX. They said everything was good, then everything stop. They said they could n't find our car loan on the credit report, and kept checking our credit report, they said our car loan was not showing up. Is it going to show in a couple of days. Then they lied to us : stating that we were going to get XXXX when we signed. Then they said we did not have enough debt ratio, so they said we had to pay off our credit card and we were going to get only get XXXX dollars equity off our house. What the XXXX are they doing. Who are they to tell us what to pay? With the equity in our house. We also had to pay XXXX for the appraisal by the way and put that on our credit card. And what they did n't realize is we put over XXXX on our credit because of them. Then when I questioned all the charges they had made they gave me all kinds of explanation of what it was for. When I questioned a credit union in my home town the charges came up to XXXX. So I just did not get all the charges they had down. One more thing is that they contacted our insurance agent and told her to put my home owner insurance to send it to them. When the papers were not even close to being signed. Now I owe my insurance 2 months worth of payments to catch up on now. So I 'm writing this to see if they could get checked out. That thier on the up an up. And I would like to get reimburse for the appraisal money. I guess I ca n't use it anywhere else. After all it 's because they lied a lot on what was going on. Thank You XXXX XXXX XXXX
I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.
I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.
Called BBVA customer service on XX/XX/2018 to ensure the payment I processed on their website was going to process. The CS Rep advised it was not scheduled, so I scheduled it again. She confirmed it was now ready to process. XX/XX/2018, 2 payments in the amount of {$5900.00} processed from my personal checking account. Called BBVA to get the money refunded, they don't make ACH back to outside accounts. I was told there is no supervisor on the floor. I call back the next person said he would transfer me to a supervisor. Supervisor advised 7 days to refund. No way to refund via ACH. Then he wouldn't let me speak to the next level of supervisor. The bank is in XXXX, which I didn't know. Their website is difficult to follow and they have horrible customer service.
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.
I recently moved from XXXX, NC to a temporary address in XXXX, AZ. I am attempting to get a mortgage to purchase a house which requires access to my credit reports. I froze all 3 of my credit reports 2 years ago when the XXXX  breach occurred. I saved the PIN numbers but can't find them since I moved. I was able to unfreeze my XXXX and XXXX reports online without the PIN. I am unable to unfreeze my Experian credit report online and I am not able to speak with a person at Experian on the phone. Experian requires me to send by snail mail various types of id verification documents which at this time since I moved and am living at a temporary place and all of my belongings are in storage it is hard to get. I would like to speak with someone at Experian or be able to do this online.
I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.
Have XXXX loans with Ford Credit. On monthly statements, late fees are applied after the XXXX day of the month. I have on three occasions had to submit a payment close to the XXXX day of the month, where the payment ends up getting credited after the XXXX. This month, I submitted my payment on Friday night ( XXXX day of the month ) after the XXXX cut-off set by Ford. In the recording prior to making the payment, the automated assistant says payments made on the weekend will be submitted the next business day. In this situation, there is no way to submit a payment on time. The following day I contacted Ford to see if there was another method to make the payment through an agent. The only alternative provided was to submit a payment through XXXX, which would cost {$20.00}. So I either pay {$20.00} to XXXX ( per car ) or {$25.00} to Ford as part of the late fee ( per car ). I decided to proceed with the former and save {$10.00} dollars, but with a lot of aggravation. Note, I tried to make payments on the Ford Credit website and achieved the same outcome last time. I ate the late fees last go around as I did not want to hassle with it. This time I am asking for assistance from the CFPB to push back on behalf of me and other consumers like me.
XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. 

Sincerely, XXXX, IL XXXX XXXX
Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason XXXX : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on XXXX XXXX XXXX the XXXX day of XXXX, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the XXXX began.After the insurance coverage limit was reached at $ XXXX on XXXX the next XXXX statements indicated {$00.00} owed for those months. Then in XXXX XXXX a statement came saying to start making payments of roughly {$1000.00} per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( XXXX ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the XXXX periods broken into 24 month segments.They basically kept sending continuance of XXXX forms and rejecting them and saying we needed to fill out a different XXXX in order to delay paying themselves.These forms were filled out by Certified Doctors each time. 
They even sent XXXX letter back saying that my doctor ( XXXX XXXX was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor XXXX or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was XXXX. The situation caused XXXX on me and my wife.XXXX I did file for a Chapter XXXX Bankruptcy and it was discharged XXXX. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past XXXX decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements. 
Please help us out if you can. 
Thank You, XXXX XXXX XXXX
Equifax has began AGAIN as of XX/XX/XXXX reporting incorrect information to my credit profile ( DUE TO RECENT EQUIFAX GLITCH ) although, Equifax has received several notifications from XXXX directly regarding an update to their reporting. 

I 've mailed a certified letter to Equifax on XX/XX/XXXX and XX/XX/XXXX regarding incorrect reporting of my XXXX/ XXXX student loans. Despite two written requests, including original documentation from XXXX/XXXX to support my dispute that XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX changed their name to XXXX on XX/XX/XXXX and all my loans through XXXX and XXXX were never reported past due or late in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX. Please see attached documentation from XXXX/XXXX.
In XXXX I requested my federally authorized free annual credit report. I provided the required information online and was granted access, except to Experian. Experiean demanded that I send personal information through the very unsafe USPS, which I did. After being given all the requested information, Experian has now contacted me AGAIN, demanding the SAME information that was already sent. They have received a copy of my license, address, social security card, NONE of which I am required to mail in under federal law. They still refuse to furnish my my report. 

During this entire process they continue to offer me paid access to my credit file, which is illegal. They are required to provide my report by law and refuse to do so. I have already given the required information, and then again mailed in more information I was not required to give. This is illegal. I have filed complaints with the FTC, MY State Senator, The TX state attorney General, and Texas State Senators. 

I have already provided what is required and they continue to attempt to extort me for a paid credit file.
The bank took away my capability to earn points. I'm below a threshold of cashing in my points on my account for a gift card. I'm just shy of XXXX. The lowest amount I can use is XXXX. I do not have an option to cash in my remaining points.
Green circle is not a licensed Delaware lender. They have sent me an email stating that they are going to send a " wage assignment '' to my employer. They continue to call and send me emails.
AS PER CORRESPONDENCE I RECEIVED ON XXXX/XXXX/2015. DATED XXXX/XXXX/2015 FROM XXXX. CONFIRMATION # XXXX XXXX : NCC BUSINES SERRVICES- ( XXXX XXXX ) I AM IN DISPUTE OF THIS PREVIOUSLY DELETED, RE-INSERTED INACCURATE INFORMATION ON MY CREDIT FILE. 
RESUBMITTED ON XX/XX/2015. I REQUEST VALIDATION FOR THIS CLAIM.
XXXX of the addresses that show up on my TransUnion report are inaccurate.
My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue
LVNV FUNDING LLC  XXXX   C  O RESURGENT CAPITAL SERVICES  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC XXXX  (  XXXX  )  XXXX , has re-aged  XXXX  accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act.     Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor-  XXXX    XXXX    XXXX   XXXX   XXXX  Original Balance  XXXX   Date Opened- XX/XX/2017  Date Reported- XX/XX/2017  Creditor Name-LVNV FUNDING LLC Account  XXXX  Original   Creditor   XXXX    XXXX    XXXX   XXXX    XXXX   Original   Balance-    XXXX   Dat e Opened-  XXXX  Date Reported XXX/XX/2017