WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notification on XX/XX/XXXX from XXXX & Equifax is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
MCM-XXXX XXXX XXXX has been harassing me by phone for 10 years and with letters for 10 years for a debt from XXXX. I have moved 3 times and they still find my address and I put them on the do not call list and they just change phone numbers that they call me from to bypass it. I was punished for this debt in the form form of a XXXX as written off income by the company, XXXX. I had to claim it as income added to my real work income and I was taxed for it! They wrote it off if they sent me a XXXX yet MCM a 3rd party company will not quit bothering me for the debt because they want for me to pay THEM! They know it is wrong because at the bottom of the letter in very tiny print it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it to the credit bureau ''. I live in Texas and can not be sued for any credit card debt to begin with! They need to leave me ALONE!
Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.
The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance.
I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' information.
They call all day and all nights from different numbers. They never say what company they are calling from just the first name of that person and a code number. These calls come every 30 minutes 6 to 8  times a day. So many voicemails of the same thing over and over. They voice of the person is not clear of understanding of what they are askinh me to call a number and code number. I have had to block unknown numbers and they have been calling restricted calling.
On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.
A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.
As property owners of XXXX XXXX XXXX XXXX, XXXX GA. XXXX, my wife and I decided to change our homeowner insurance policy from XXXX XXXX to XXXX XXXX XX/XX/XXXX. We submitted the documents that were asked of us. Then we trusted that the insurance company and mortgage company would act with our best interest, and had informed of us of all steps needed. 

We released permission to Seterus ( the mortgage company ) to pay the new homeowner 's policy to XXXX XXXX. XXXX XXXX sent a letter to us on XX/XX/2016, stating that due to non-payment the homeowner 's insurance policy was cancelled. 

Unknowingly to us, Seterus had paid XXXX XXXX on XX/XX/XXXX for the policy. Then, they paid XXXX XXXX as well for on XX/XX/XXXX. We did not receive notification from XXXX XXXX that the policy had been reinstated. Nor did we receive notice from Seterus that they had paid XXXX XXXX, and also paid XXXX XXXX. As the homeowner, we were unaware that we had XXXX policies on our home. 

XX/XX/XXXX, Seterus sent a letter to us, stating that we owed approximately {$1900.00} for a deficit in our escrow account. When I called Seterus, they were not able to provide an explanation of why there is a deficit. The letter stated that we could either pay the {$1800.00}, or we they would increase our monthly house payment from {$740.00} to {$940.00}. 

I became aware that there were XXXX insurance policies for XX/XX/XXXX when I received a renewal policy from for our homeowner 's insurance from XXXX XXXX for the XXXX year. I contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are also currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted Seterus who confirmed that they also have on record that both, XXXX XXXX and XXXX XXXX are providing insurance policies on the property known as XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. Paying for the XXXX policies out of our escrow account is causing my family punitive damages, for a situation that was out of our control. 

I would like for Seterus to return the amount of {$610.00} to our escrow account and apply the additional monies paid each month above the {$740.00}, to the escrow account associated with the mentioned property.
I just received a lett  er from Ocwen a few weeks ago in reference to reporting my account to a credit bureau and they have agreed to correct the report. On yesterday, I got my bill in the mail stating I owed more than the monthly payment.Upon calling Ocwen I was told, I owed {$110.00} in late fees for the payments not made during Disaster Forebearance Period. According, to their letter I never received the documents and they were sent to me again by computer, signed and returned. My information was updated, but no one ever mentioned I was delinquent. I was told I was now in good standings. What is the point of helping during a disaster to turn around and penalize me. More importantly, these conversations are recorded and I would love for them to hear the foolery and lies they tell the customer, but once you hang up the phone its anything goes.
If I was delinquent why did you pull the credit report, to now show no delinquency. My credit card and student loans also allowed for Disaster Assistance and never charged anything extra. Ocwen has and always will have deceptive practices. Their tail is a long one in decieving their customers, who try to make a honest living and pay their bills in a timely manner. They have refused to admit any wrong doing or to try to fix this problem.
Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.
CCS Companies never notified of my right to dispute the validity of the debt. 

They reported to XXXX that my account was opened with them on XXXX/XXXX/2016. 

The first notice I ever got from their company was on XXXX/XXXX/2016 and the notice was dated XXXX/XXXX/2016. 

On XXXX/XXXX/2016, XXXX was reporting a collection on my credit report, I was shocked as I knew I did n't have any ... It was for Credit Collection Services, original creditor, XXXX. 

I filed a dispute with XXXX but it came back as " verified '' by CCS. 

I have previously called and disputed the debt with CCS and was told I have to pay. 

I called the original creditor on XXXX/XXXX/2016, it was discovered an error was made and the account was pulled from CCS. The original creditor informed me that the account would be removed from XXXX within XXXX10 business days. 

Additionally, I was unable to find their corporation registered with MA but will file a complaint with the MA XXXX about this.
I had a Checking Account at Bank of America. My account was overdrawn for a period time, approximately XXXX weeks. Bank of America recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Bank of America attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Bank of America proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Bank of America closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Bank of America had simply informed me of their intentions I would have worked to rectify the problem.
I have been a customer of Nationwide Biweekly Administration since XXXX XXXX. At the time, they lured me in with promises of chopping seven years off of my 30-year mortgage, and all I had to do was pay half a mortgage payment to them every two weeks ( instead of a full mortgage payment once per month ). After the initial payment that included setup fees, they took {$740.00} out of my account every other Friday ( the last time being XXXX XXXX, XXXX ) and paid my regular mortgage payment when it was due on the first of the month. 
On XXXX XXXX, XXXX, I received XXXX identical e-mails from them entitled " Help Save Nationwide Biweekly Adminisstration Inc. ( NBA ) ''. In this rambling e-mail, the President/CEO of NBA, XXXX XXXX XXXX, basically said that his company was under attack by your organization, the Consumer Financial Protection Bureau ( and specifically XXXX XXXX ). I did not follow up on his request to call ( XXXX ) XXXX to speak on NBA 's behalf - I have had an increasing concern over the past couple of years that I was being foolish and wasting my money through NBA, when I suspected I could easily just do for myself what they were doing for me and save both on the fees and the headaches associated with dealing with a XXXX party ( NBA is obviously external to the agreement between me and my mortgage holder, XXXX XXXX ). 
Last week, on XXXX XXXX, XXXX, I received XXXX e-mails from NBA, all identical except for the subject line, which said " Account Suspension Notice - Open Immediately '', " Account Suspension Notice - Open Immediately - 2nd Notice '', or " Account Suspension Notice - Open Immediately - 3rd Notice '' ( i.e. there were XXXX sets of XXXX notifications, all on the same day ). In a nutshell, NBA said ... 
" ... we must inform you that we must suspend your account TEMPORARILY. This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that : If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; We will NOT be debiting your account in XXXX. 

YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " There have been no follow-up e-mails. My numerous attempts to call have been met with the recording that says that due to unusually high call volume, call back later. They have not responded to e-mails. 
It is now after XXXX XXXX EST on XXXX XXXX. They have not as yet paid my mortgage payment for XXXX XXXX, XXXX, as they promised they would in the " account suspension '' e-mails. I went back this past weekend and reviewed what NBA had taken out of my account over the past five years versus what they had actually paid to my mortgage holder, and there was over an {$11000.00} difference ( which will drop to about {$9700.00}, if they actually do end up paying my mortgage today ). I am not sure how much of that is what NBA considers " fees ''.
Signed up for paperless billing. Offered a 10 % off coupon for the anniversary date of XX/XX/18. Never received the coupon. Contacted XXXX   about the problem. Informed that I also needed to sign up for email alerts. Signed up for the alerts. Never received the coupon. XXXX failed to email a bill for the month of XXXX and failed to send the coupon. Now XXXX sent me a statement with a late fee and interest charge for not paying a bill that they never sent. Got the late fee and interest waived and paid off the current bill. Still no coupon and no help rectifying the problem.
We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, XXXX, and Experian in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
They hired an attorney years ago to foreclose on the property. At that point I had no access to the house. They stopped it for unknown reasons. I have tried to do a voluntary give back. I've tried to do a quick sale with no response. At one point I even did a loan modification with it resulting in them losing my paperwork. I work very hard to keep my credit good. I feel I have gone above and beyond to resolve this with no response from Ditech. I do not believe they are acting in good faith and are ruining my credit even though I have attempted to resolve this balance. I hope you can help me get them to moving forward. This is not the original mortgage company, it has changed hands a few times. Thank you in advance for your time. 

Ditech Financial loan # XXXX
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.
In late XXXX of 2018 I saw an advertisement for opening a Citi Checking account. The terms were to open a CitiBank Account Package between XX/XX/2018-XX/XX/2018 and within 30 days deposit {$15000.00} into the checking or savings with a minimum of {$1500.00} in the checking and a minimum of {$100.00} in the savings. It also states I must maintain the {$15000.00} balance for 60 days. If I do those things then {$400.00} gets deposited into my account. I have attached a screenshot of the offer details. 

In early XXXX of 2018 the checking and savings accounts were funded. The checking was fully funded with {$15000.00} on XX/XX/2018 while the savings was fully funded on XX/XX/2018 with {$100.00}. 

Using XX/XX/2018 as the start date, 60 days from then is XX/XX/2018. 

On XX/XX/2018 I opened a chat session with a Citi representative about an update on the offer. They said I had to wait an additional 90 days after the initial 60 days which is XX/XX/2018 which I had surpassed. 

The Citi representative opened a case ( # XXXX ) on the same day to investigate. On XX/XX/2018 I chatted with another Citi representative to get an update and they said the case is still open. 

It is now XX/XX/2018 - nine full business days after the case was opened - and I have yet to hear anything back. I am getting the feeling I am not going to ever hear back from them. 

Thank you for your help in this matter.
I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX.
I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.
On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!