WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
The company Equifax has miss handled information of myself and other who have never used their services and the service they have set up can not tell me, simply, that I am indeed affected by this breach in security. This is appalling and unacceptable.
The XXXX XXXX XXXX TD Bank did not issue an electronic statement for my first statement period and charged a late fee. The statement also does not appear on my online account and is not accessible. 

I opened this account in XX/XX/XXXX and we took delivery of our furniture in XX/XX/XXXX. The first statement should have been emailed or mailed toward the end of XX/XX/XXXX. This is a zero-interest-for-XX-months-style card, but has very high interest and penalties if payments are missed or late. 

I contacted the company and the they reversed the charge, but in trying to set up recurring payments online I discovered several questionable practices on their site. 

Additionally, the XXXX XXXX XXXX TD Bank issued credit card has several issues with its payment option and information online. 

XXXX XXXX XXXX 1 ) Does not offer any information on how to mail in a payment on their website. In their FAQ and other areas has broken links to payment information ( See, under FAQs, Account Overview/Bill Payment/What should I do if I want to mail my payment but I do not receive a paper statement? This link is the only offering of a remittance address and is not active. 

2 ) Does not post statements online. 

3 ) Customer Service email address XXXX is not active. 

4 ) There is not option to make a recurring monthly payment for more than the minimum payment due. 

In my opinion, these are intentionally put in place to make payment difficult and confusing in an attempt to have more accounts default and jump into higher interest payments.
For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion.
XXXX XXXX XXXX XXXX 2017 I thought this was resolved I paid this balance off
XXXX XXXX XXXX did not process my payment which was on time. They state I was 60 days late and yet when I contacted them directly, they admitted the account was paid in full and they received my payment. They sent me a letter indicating that there was zero balance and never late. But would not update my credit report indicating that I should use the letter to dispute with Experian.Experian rejected the letter and kicked it back to XXXX XXXX XXXX.
Unfortunately my husbands mother had passed away. This was happening during the time payment was due. I did inform them we had a death in the family and would be making late payment. I went on line a saw they imposed a late fee. On XXXX I submitted a message to them regarding this issue again. On XXXX I received a very cold and nasty letter from Ditech. It really had nothing to due with my issue. I never said I was n't going to pay my bill solely that is was going to be late. It was the second half of he mtge. If they go backs and see my record they will see my payment history. Only once where I did n't hit submit was a fee imposed. But I took responsibility for that, They also charge a fee to pay with their website. I asked for the fee to be removed. I even offered proof just in case they thought I was making up the story.
I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.
I used a convienance check to deposit money into my checking account. I was charged a 3 % fee which is not too bad comparable to other cards but it was a special. When my first bill came the minimum payment was very high. I paid it and thought that they added the transfer fee to first months payment. This month I received my statement and it was high again. I called the company ( Chase ) and was told I 'm being charged 5 % of the balance for my minimum. They said it was in my terms but I have never seen that and have n't had any other credit card ask for that high of a minimum payment. I suspect they did it on purpose to make sure people ca n't make the payment and then they can charge a very high late fee and raise the interest to their highest rate.
Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.
I purchased a Netspend Card the end of XX/XX/XXXX to use for prior and current year taxes. I noticed my card was missing on XX/XX/XXXX. This exact same day I contacted Netspend and let them knew of the situaution and began with the dispute. I was told that the money that was taken would be deposited back into my account which didnt happen. I faxed over a written dispute letter XX/XX/XXXX. No one contacted me back I had to keep calling requesting to speak with someone. No money was deposited as i was told and as is in the policy. No real investigation was done no camera footage checked or anything. It took over the time that the dispute process was suppose to take and netspend closed my account months later. I contacted the local police made reports contacted the IRS attorney general office did all I can do. I never made any of these transactions or do I have a XXXX area code number. I have been in a finacial hardship causing me to be a XXXX for a period of time. This is insane Netspend did not follow through with their policy that they are suppose to have or give me a full investigation that I should have been given.
My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.
Dear Sir/Madam, The issue is based on complaint dated XX/XX/2018 between Chase and XXXX XXXX XXXX XXXX Complaint ID:XXXX and the complaint was resolved. Therefore, in resolution chase requested me to submit my bank statement and any details to locate an account with me with XXXX XXXX XXXX.

Am here by submitting the bank statements and the National registration card as proof of identity documents to be forwarded to Chase bank as per request to transfer the funds via XXXX. Chase wrote to me on XX/XX/2018 that they need more information from me before they can research my request.According to my best knowledge this issue have reached the final stage if Chase bank can access the documents which is attached as per request.
XXXX is charging me the full amount as late on my credit report for a leased vehicle that was returned to the dealer on XXXX XXXX, 2016. The dealer had agreed to pay off the vehicle at {$26000.00} and charge me monthly payments of {$250.00} until the agreement on the lease was satisfied. Instead, they are showing me late for {$18000.00}.
My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week, XXXX XXXX about, I began getting phone calls with no one on the other end, from New Jersey. I ignored them. I got another one today, it connected, asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again, I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal, so no payment was made in XXXX. 
I am losing my patience with this company! I got another letter today stating they had assessed a late fee and my payment for XXXX is {$1500.00}! I can not take this anymore. 
Please help.
On XX/XX/2018, I was made aware that my twin sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.
After calling XXXX, XXXX, and Experian on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to Experian but once calling Experian they said they didnt receive it. XXXX and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. Experian told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Service 1st Mortgage XXXX XXXX XXXX XXXX ) sends deceptive advertising to its " customers '', most of whom are Veterans. As the Compliance Officer for Service First Mortgage ( XXXX XXXX ), I field calls from very angry customers who have been told to skip mortgage payments and now have late mortgage payments reflecting on their credit report. They leave numerous messages and never receive a call back. They are told they will close a certain day and then do not hear anything from the company until the day before. Sometimes not even then. Service 1st 's behavior is both unfair and deceptive and should be addressed by the CFPB.
XXXX has been non-compliant with removing the unverified account USAA SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
My husband & I had a bank of America credit card. In  XX/XX/XXXX  we refinanced to pay off credit cards and close them. My husband called to get balance for payoff, we refinanced and our credit union cut the check along with our request to close account. BOA received payment on  XX/XX/XXXX . It should have been done and closed. After receiving check they stated balance was incorrect, kept account open, and further charged interest and fees. The card has not been used since. They stated balance was {$66.00} and with interest and fees it is now {$200.00} plus. I offered to pay remaining original balance they declined. It was further reported to my credit report as a co holder that we have been late on account for whole year of  XXXX . I am reporting this to you to investigate and ask for removal of credit report negative information and I will pay what remaining original balance was and to close this account. This whole process by BOA has been unfair to consumer.
As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX  to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the  state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.
This account is fraud, and not my account. They should be required to provide the verification to show how this account was setup! I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!
I was working with XXXX XXXX XXXX XXXX , XXXX to close on a house we were interested in. Total loan amount was XXXX. The appraisal came around XXXX which makes our ltv around 83 %. I was advised that once I reach 80 % of the appraised value i can get rid of my pmi which is around {$230.00}. When checking the loan docs, it stated that pmi can be taken away when ltv reached 80 % of original purchase price. When questioned abt this I was reiterated this multiple times that the pmi will go away once i make payments to reach 80 % ofthe appraised value. 
One month after closing, i was informed that the loan has been transferred to wells fargo. When i called them to inquire abt making additional payments to reach 80 % ltv, i was cited the loan docs and was told that ltv is calculated based on original purchase price. They said thats the terms of the loan that was transferred an that i should talk top interstate home loan regd that. 
There was no response from the firm. My loan agent from XXXX, XXXX XXXX wouldnt return my calls. Somehow managed to reach someone from iXXXX XXXX XXXX where i was told that XXXX is no longer with them. And that they will get back to me. No one has reached out to me yet and I'm being forced to refinance increasing my total loan amt by atleast XXXX. My latest appraisal evaluates my home value at {$290000.00}. Which makes my ltv around 74 %.
I established services with XXXX in XXXX XXXX, XXXX. At the time of setting up services i chose to pay a deposit so that my credit would not be ran. Well according to my XXXX report I have a hard inquiry from XXXX dated XXXX XXXX, XXXX. They did not have permission to run a credit report and I did not give them my social security number. So how is it they were able to do a hard pull.
I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX XXXX XXXX son has XXXX and was crying and visibly shaken. After 15 minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of emotional distress.