WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from Equifax, XXXX, XXXX, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT bk of mo Act. # XXXX {$150.00} Past Due THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT
I call ed Capital One 360 as the y instructed. They have locked me out of my funds. So when I called, they refused to help me! My son h ad a Capital One 360 acco unt in the past. I live with my son and so we have the same address, phone number, etc. We also sound alike. Because of this, they say that they do n't believe who I say I am even though I answered their security questions. They claim they listened to old conversations of my son and I sound like him. Well, there are old conversations of me on file and I bet that I sound like me but they never mentioned that. They just hung up on me. I just want my $ 400+ dollars out of that account so I can be done with these  XXXX ! There 's nothing I can do about the way my voice sounds!
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX Loan # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.
XXXX Nelnet, I still have yet to see the contract granting you the rights/Jurisdiction, regardless of what you are insinuating. You still must prove your jurisdiction. I am attaching this document and I suggest you seek legal counsel. Also attach the papers that were sent to you office regarding discharge and dishonor. ; - ). I wonder why US department of education is not responding but you are and are claiming to be the servicer ..lol Thanks, but i dispute to contract with your company and we can get the UPU involved if need be.
XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, Transunion, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
I 've contacted Equifax to tak e a Chapter   XXXX  bankruptcy off my report because i t 's over 7 years old. It  's actually over  10 years old fro m the original date. My ex-wide actually filed it and changed her mind and so it was dismissed with no accounts in bankruptcy! I 've asked them to remove this from my report because it 's so old and   XXXX   and   XXXX   does n't have it reporting at all. They also placed a date on it dating in  XXXX / XXXX /  XXXX   which means they are going to try to report it longer.   I received a letter in the mail asking/ stating that I could be apart of a class action lawsuit agains t Exquifax  regarding this bankruptcy reporting on my Equifax report. And I 've been research ing Chapter   XXXX  bankruptcy and every site says they usually only stay on credit reports for 7 years and it has been 10 years for this  XXXX .
I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX
A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date. Experian has been provided with XXXX report reflecting corrected information in response to identity theft.
After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
From : XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX ; <XXXX> Cc : XXXXquestions <XXXX> ; XXXX   <XXXX> Subject : Re : Loan XXXX Online Payment Fees Greetings, You recently acquired our loan without our intention or wishes. In over 13 years we have never been charged a {$15.00} fee to pay our loan online through the original lender, XXXX. We are not happy or satisfied that SPS charges {$15.00} for the pleasure of accepting online ACH payments. This means we would have been serviced at the tune of over {$2300.00} in monthly fees on our original loan from XXXX. 

According to your website, XXXX XXXX XXXX your company has three core values, Integrity, Intelligence and Intensity. I suggest you review Integrity and Intensity.

Integrity : " We work honestly and fairly with all customers, clients and co-workers. '' $ 15/month for ACH payments is shameful and wholly unfair and dishonest as these are automated cash transactions between financial institutions. 

Intensity : " We work hard to exceed expectations. '' " We always honor our client and customer commitments. '' " We deliver superior service to every customer, every client, every day. '' This is the first interaction we've had with your company. SPS has completely failed our expectations. We expect acceptance of full timely payments to only include interest, principle, and escrow.

Please explain how SPS is honoring a commitment we have never entered into or agreed to regarding these fees?

We challenge SPS to fully explain how your company 's {$15.00} additional payment penalty fee delivers us superior service? 

This personal financial correspondence has specifically been addressed to the Commonwealth of Virginia 's State Corporation Commission, Bureau of Financial Institutions Division, for their consideration and attention to this matter. We eagerly anticipate SPS ' response.

Very Sincerely, Homeowner 1 Homeowner 2
In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/XXXX.
I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.
chase bank previously XXXX XXXX  say they sent my savings account money to the california state comp troller in the year XX/XX/XXXX due to inactivity opened in XX/XX/XXXX XXXX dollars with 5 percent compound intrest they refuse to send comfirmation of ballance and sendini my savings ballance to the calif comp troller Iive been trying for over 15 years to release the information they now claim they lost and can not find my savings account but i still have the bank book im still trying to obtain my savings account funds from them
On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.
My home was damaged during Hurricane Florence. My mortgage company servicer XXXX decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call XXXX requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.
Diversified Consultants is reporting this account on my credit report for XXXX with account number XXXX after it was being reported & deleted by XXXX XXXXXXXX XXXX account number XXXX. I disputed this account per the FCRA and FDCPA and it was deleted by XXXX XXXX because it was not accurate and could not be verified or validated. Then, I get an alert on my credit report that Diversified Consultants reported it and I was never even sent anything in the mail from them. They just put it on my credit report and never gave me a chance to dispute it. This is a violation of the FCRA and FDCPA and should not be allowed.
I purchased a car at XXXX XXXX in XXXX XXXX kansas in XX/XX/XXXX. When they went to process the loan they had my credit checked multiple times. These are the lenders that all did hard inquiries on my account XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  my ex husband used my information without my permission. We were married at the time. I did not sign anything or authorize anything. 

XX/XX/XXXX XXXX XXXX my ex used my information without my permission. We were married at the time. I did not sign anything or authorize anything.
On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.
BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.
i Wired XXXX $ to XXXX/coinbase on XX/XX/2018. It was a same day wire and my bank confirmed to me that the recipient has got the money on their account. 

I called XXXX/coinbase customer support to confirm and they said that since i did not include the recipient message in my wire, the wire would be automatically returned to my bank account within 10 days and now it has been over 35 days and i still haven't got the money back in my bank account. 

Every time i call the XXXX  support regarding this they give the same answer that my case has been escalated and i should get my money soon. 

I called the XXXX XXXX XXXX and they confirmed that funds were recieved and that they have to get instruction from coinbase to send my money back. 

I even gave my iban number to XXXX/coinbase so that they can track the wire. 

my case # XXXX my iban : XXXX
I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.
continuous calls to my employer a letter via fax to my supervisor with a demand for payment through payroll deduction
My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.
I have had several loans with this company and have had XXXX problems until recently. All of my payments have been paid on time and none were missed. I began contacting the company in early XX/XX/XXXX because I found that I would be with almost no paycheck for the next 3 to 4 months. I did not receive a response from the company until a payment bounced on XX/XX/XXXX. At that point they immediately started calling. My goal ( in early XX/XX/XXXX ) was to let them know of my situation and set up an alternate payment option. I currently pay 98 % interest on this loan and it was to be paid off in XX/XX/XXXX. I do not know what the balance is so I requested information from XXXX  and received nothing. At that point the phone calls escalated so I asked them to correspond with me via email so everything was documented. Then I started receiving emails from " XXXX '' and he stated in an email that my balance was small so pay it or not. ( Emails attached ). On the email of XX/XX/XXXX XXXX discusses my excellent payment history. So again on XX/XX/XXXX the harassment starts again. I searched reviews for this company and have attached a few.. One client supposedly was going to have XXXX show up at his church. True or not who knows but I have recently had people show up on our security system who should not be there. Maybe Zingo maybe not but I have sent the footage to the XXXX  County Sheriff. I have been told by XXXX that they will pursue every legal means to collect the money. I again am not defaulting on anything I am trying to set up a suitable payment plan but am getting zero cooperation from Zingo they just want to pursue collection action. All I am trying to do is set up payment plan and a check will be mailed to them.
Wells Fargo Home Mortgage has yet to say why on the day of the California All Purpose Document for Corrections & Power Attorney to why it was presented before me and all the other documents I sign with and by my signature was presented. At the time there should not have been no Notary signing for me or making financial arrangements and making choices on there behalf. It is real strange that it was sign and Notarize by the same person but stated I personally appeared in which I did not. Wells Fargo home Mortgage committed fraud and has yet to justify the document in any truth nothing but deception on there part. 
I'm tired of the games and run around by Wells Fargo to this matter at hand.