WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX  ( Home Equity ) on my credit reports with XXXX, Equifax and XXXX. 

I am including a copy of the following XXXX credit report, File Number :  XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my Equifax credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my Equifax credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The Equifax report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.
On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.
There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire saysXX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened dateXX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Hunters Warfield is reporting a collection on my credit file that was removed over a year ago. I am in the middle of escrow, this collection being re-added to my credit has increased my interest rate significantly. This is unacceptable and unfair. I know nothing about this account and the credit bureaus have a police report with the original creditors name, thats why the account was removed over a year ago.
I have the exact name and birth date of a Texas XXXX that has a long criminal record, so I'm being turned down from jobs and places to stay due to his criminal record.

I'm a retired federal officer for the XXXX XXXX XXXX XXXX with over 25 years of service including 4 years in the United States XXXX XXXX. 

Your assistance in this matter will greatly be appreciated.
This is in reference to XXXX credit card. the debt was in the hands of XXXX XXXX XXXX before I became disable as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown or unauthorize hard inquiry in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with this company. I have contacted XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact Experian as well, just to make sure the issue would be resolved immediately.
On or about XX/XX/2018 XXXX  received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from XXXX it was told in a letter that a third party vendor Lexis Nexis had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on Lexis Nexis this is clearly a privacy violation for both agencies. I need to how is this verification  legal since the courthouse on record doesn`t release said information.
I 've gotten repeated calls from a blocked number. When they leave messages. they note I need to call a particular number for any additional questions or concerns. I generally ignore the calls, having been through this scare tactic several times. The messages say they are with the XXXX XXXX for XXXX XXXX and they are preparing to process me on grounds at my place of employment or my residence. They also threaten to contact my HR team to learn the " process service '' protocol and work to garnish my wages. They go so far as to actually contact my XXXX XXXX department but upon a return call, they note they simply want me to call them back. If I do n't respond the way they intend, they escalate and the calls become more persistent. The messages more threatening. The guy even told me to contact my XXXX office with him on the line. I spent a good portion of my business day yesterday dealing with these scam artist and I 'm tired of it. I asked them to stop contacting my place of employment but she advised she would continue to do so because she has a legal matter to handle with me. This type of harassment needs to be stopped. It will eventually cost someone their employment. Then, no debts will be repaid.
MY MORTGAGE WAS ARBITRARILY MODIFIED OR CHANGED FROM A 30 YR TO A 40 YR MORTGAGE. I NEVER AUTHORIZED NOR CONSENTED TO THE MODIFICATION. IN ADDITION, I WAS NEVER LATE IN MY PAYMENT, BUT THE MORTGAGE COMPANY REPORTED ME LATE ON ONE PAYMENT WHICH ADVERSELY AFFECTED CREDIT. I BECAME AWARE OF THE MODIFICATION IN XXXX 2016 WHEN I WAS ATTEMPTING TO REFINANCE THE MORTGAGE. ALL EFFORTS TO HAVE THE MORTGAGE ADDRESS BOTH THE UNAUTHORIZED MODIFICATION AND DEROGATORY CREDIT REPORT HAVE FALLEN ON DEAF EARS. NOTE THAT I DID NOT ATTACHED THE FULL MORTGAGE NOTE BECAUSE IT WAS TOO LARGE. I WILL BE GLAD TO OVERNIGHT IT.
I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.
On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. 

After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). 

Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). 

After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. 

For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.
THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE. 
I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT. 
I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM. 

FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX  TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE. 
THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS. 
I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME. 
YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX   ENGINEERS. 
IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT. 
XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS. 
IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW. 
THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.
In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.
I Had accident the XXXX denied my claim but I was tryna arranged payments with dealer they close yo account has repossession
I took a loan out with Ford Motor Company to boost my credit score, I 've been paying on time for over a year. Still nothing about the loan is reported on my reports. I have called the company to ask for resolution and to no avai, l time will not solve this issue by its self. When I shopped for the loan and agreed to the chosen loan it was with the understanding they reported to all three companys.
I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency.
During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ 76.00XXXX XXXX $ XXXXXXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
On my credit report I have a property that show ( date reported:XX/XX/XXXX under XXXX ). This property was under Bank of America in which I went delinquent with in XX/XX/XXXX. According to XXXX they purchased the property from Bank of America on XX/XX/XXXX. Nationstar comments on my credit report ( Foreclosure ). This XX/XX/XXXX was three year later, when it should have been done with Bank of America around XX/XX/XXXX or XX/XX/XXXX. Now it look like instead of me waiting 7 years to clear my credit it 's going to take 10 years which will be in XX/XX/XXXX. This is not only affection my credit report it is also affecting my daughter 's credit report.
I 'm filing a complaint against Discover Personal Loans for possibly predatory, deceptive and/or fraudulent lending practices. 

On XXXX XXXX, 2016, I applied for a personal ( debt consolidation ) loan through their website. After I had shopped around a few other online lenders, I found that Discover was the only one that offered the amount and terms I was looking for. 

I used the loan calculator on their website to get a rough idea of what my interest rate and monthly payments might be, based on my credit score. Though the calculator includes disclaimer language that it is for " educational purposes '' only, the inclusion of the prospective applicant 's credit score gives it the appearance of relative accuracy. A prospective applicant may reasonably assume that her final interest rate may vary by only 1 or 2 percentage points. Given my credit score of over XXXX, the calculator determined a 12.99 percent interest rate and a $ XXXX monthly payment. 

I applied and received a confirmation that my application had been received and approved. The confirmation email did not include any loan details. This was the only online/written communication I would receive until after the loan had been disbursed. 

The email instructed me to call their service center to complete a short phone interview. I did. A representative confirmed the basic information in my application and then offered me the loan amount and terms I had applied for, but at a much higher interest rate than I had expected : 18.99 percent. When I balked, she transferred me to a supervisor by the name of XXXX, who offered me a two-point reduction - 16.99 percent -- if I agreed to ACH payments. It was still more than I had hoped for but I agreed. I was borrowing {$30000.00}. My interest rate would be 16.99 percent, resulting in a monthly payment of {$610.00}. I verified this calculation with a separate loan calculator at XXXX. 

At no time during this process was I asked to provide documentation to verify my income or expenses. This struck me as odd. 

After the loan had been funded and I was able to log in to my account online, I noticed my monthly payment had jumped to XXXX, with no explanation. The TILA disclosure I received a few days later states that ALL figures - interest rate, terms, payment amount - are " estimates '' based on the first payment date of the loan. This makes no sense to me. I was under the impression this was a fixed-rate, not variable rate, loan. And never have I seen personal loan figures based on the first payment date. I work with accountants and financial aid professionals ; as far as I know, loan figures are always based on the date of disbursement. As the TILA is written now, it would seem that Discover has carte blanche to increase the interest rate and monthly payment amount at their sole discretion. 

All this taken together - not verifying the borrower 's income and expenses, the lack of written communications prior to asking for the borrower 's consent to the terms, and the inexplicable increase in payment amount - would seem to suggest lending practices that are, at best, just this side of legal, and predatory and deceptive at worst.
I have transferred funds to XXXX using Remitly. I used their EXPRESS Service which promises to transfer funds immediately. As promised funds have been transferred Immediately but at the same time they were Reversed the very next minute. When I contacted Remitly about this, they speak so negligently that its not their fault, its a issue with bank in XXXX and Remitly says that its job is done. Are they kidding.? How is their job done without completing the deposit? They say they are not sure of when funds are available.
I WAS ON XXXX IN THE XXXX XXXX AND XXXX, NOW PNC BANK FOR CLOSED ON A HOME THAT I OWNED. I HAD GOTTEN BEHIND DUE TO MARRIAGE SEPERATION AND WHEN THE VA SUBMITTED A LOAN MODIFICATION THE BANK DISAPPROVED. I ALSO FILED A CHAPTER XXXX AND THE COURT ISSUED A REPAYMENT PLAN WHICH WAS REFUSED BY THE BANK. I BOUGHT THE HOUSE FOR XXXX IN 2002. WHEN THE HOUSE WAS SENT TO FORCLOSURE IT WAS WORTH MORE THAN XXXX. THE LAWYERS HANDLING THE PROCESS FOR THE BANK RECEIVED MOST OF THE PROFITS BUT AS FOR A XXXX MEMBER, I WAS AWAY IN TRAINING WHEN THIS WAS HAPPENING. XXXX TOTALLY BROKE THE LAW WHEN IT COMES TO THE SOLDIERS AND SAILORS RELIEF ACT. i JUST FOUND OUT THAT I HAD A RECOURSE BUT WAS TOLD BY THE BANK AND ATTORNEY THAT I DID N'T. BOTH WERE NOT TELLING THE TRUTH. ONCE THE HOUSE WAS PUT INTO FORCLOSURE AND MY LAWYER DID NOTHING TO STOP IT. ONCE I REALIZED I HAD NOTHING OR NO ONE TO HELP ME I ASKED FOR THE CHAPTER XXXX TO BE DISMISSED. THE LAWYER WENT BEFORE THE JUDGED AND PERJURED HERSELF BY SAYING I WAS N'T IN COMPLIANCE WITH THE CHAPTER XXXX AND HAD IT DISMISSED THAT WAY. SHE TOLD ME I DID N'T NEED TO BE THERE. I FOUND OUT LATER AFTER I WENT TO COURT TO GET THE DOCUMENTATION TO VERIFY IT WAS CLOSED!!