WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 I cent a certified mail electronic receipt conformation to Experian which was received and signed for on XX/XX/2018 XXXX. 
requesting that certain items on my credit report be verified by providing me with PHYSICAL VERIFICATION OR AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE on 6 accounts reporting on my credit report or be removed. under the FCRA UNVEREFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF YOU MUST REMOVE THE ITEMS. 3 were removed and I got emails today XX/XX/2018 saying that my disputes were ready and 3 remained saying updated. I didn't submit a dispute I asked that the items be verified and requested physical proof an original signed contract or for them to be removed. I never received the physical proof. those items are still reporting and are not validated. my request were not granted.
I have been seeing Experian Credit charges on my banking statements for months, but each time I call, the automated system tells me that I have 'free ' memberships, and ends the call. I have tried to get in touch with a live representative on their consumer help line, but I've had to wait 2+ hours each time, only to be told that nobody is available, and that they will attempt to get back to me ASAP, which never occurs. Today, they replied to my email when I told them about the charges, and the representative simply told me to try connecting with the same line that never answers, and never returns my calls.

I have no way of stopping the withdrawals, of which, has been in excess of {$300.00}.
This is about my enrollment through XXXX. When I first enrolled at XXXX back in XX/XX/XXXX, I had no idea what I was getting myself into. I came in for a visit and by the end of that visit I was an enrolled student. I was pressured by the end of my visit into signing up for classes. The rushed my financial pack, which they completed everything on their own. I had no I idea about and interest rates and what I would be paying. I was blind sided coming, and the same exact reasons the CFPB is suing XXXX tech are some of the same issues that I have experience. I have been paying up to date in good faith, because yes I did attend the school so I have no issues paying. I first filed a complaint back in XX/XX/XXXX. But I believe there should be a better resolution. My loans are now through Navient. Because XXXX used high pressure sales tactics I believe there shoud be a better resolution.
I do not have a complaint with Trans Union directly, but in the past few months I gave proof that the XXXX XXXX XXXX card that was on my Trans Union report was the sole responsibility of my husband, and that I was only an authorized signer. I wanted XXXX XXXX XXXX to remove this account on all three credit reporting agencies, of which the account was deleted on XXXX and XXXX   respectfully. I respectfully request that Trans Union follow through with XXXX XXXX XXXX and delete their account reference immediately as per the XX/XX/2018 letter in this matter.
I am with XXXX. We are closing down the bank account to stop them from damaging us further. The name of the company is Quik Cash in XXXX Kansas. I made payment arrangements with them and was late on that arrangement. At the time of the pay arrangments they were supposed to have shredded the original check for {$570.00} ... apparently they never shredded it, even though they told me they would. When I was late on my arranged payment, they submitted the MUCH larger original check right to my bank and over drafted my account badly! This is NOT ok! They ca n't be angry for a lateness and put through a check that was supposed to have been destroyed. : - ( Help!
I have a repossession on my credit from Toyota motor Corp that should not be there! The car was bought out of and I was told a repossession would not be on my credit the car has since been paid off and traded. I do not need this garbage on my credit!!! I will never return to Toyota or even speak highly of them after my experience and this experience if this does not come off my credit I will be reporting further to new stations and XXXX
I received notice from XXXX XXXX XXXX that my home loan was sold to Rushmore Loan management.The problem with this situation is my name is not the power of attorney on my mother 's death certificate.This is still my deceased mother 's estate and my name is not on her death certificate as power of attorney.This is the second mortgage company that has tried to profit off my Mother 's Death.All the Rushmore had to do is check the information that they got from XXXX before they brought this illegal loan. I still owe XXXX XXXX XXXX XXXX over {$35000.00} Dollars for home improvements that XXXX lender placed insurance did not cover. XXXX was sued for their unfair practice of lender placed insurance price's.I was part of the {>= $1,000,000} classaction lawsuit and won. Now here 's Rushmore trying to foreclose on a home that I still owe XXXX XXXX XXXX XXXX for. Rushmore should have looked at the paperwork connected to this loan before trying to take my home. In about two week my XXXX brother who lives in the home with me is getting the bathroom and kitchen modified by the state to accommodate his XXXX.Rushmore has to look at my mother 's death certificate that they should have got form XXXX to understand how all this is fraudulent.Selling Death has to be one of the sickest things I have ever seen especially when it's my mother who was the Primary borrowerof the Loan.
At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message.
XX/XX/2018 I was charged a fee of {$120.00} to my XXXX XXXX XXXX Business account for a tax levy by the state of California . I had been working on a payment plan and the Franchise Tax Board mishandled my account and did not process my paperwork. After speaking with an agent at the Franchise Tax Board I was able to have them send a release because this was an error on their part and get the payment plan submitted. 

I called Bank of America who holds my account to verify the release and request the refund of the {$120.00} because XXXX the Franchise Board agent told me she would be sending that release yesterday. They had received it. After confirming receipt I asked the fee be waived because it was an agency error same as a merchant error. I did everything I was supposed to. The agent got extremely aggressive with me. She stated that I needed to get the {$120.00} from the California Franchise Tax Board. I explained that they would not refund a fee that they did not collect. And usually when this is done in error to a client banks have been obliged to refund that fee. I told her I understand if it is a normal levy that was done properly. But this was an admitted mistake by the agency. Also in the past Bank of America has waived these mistaken levy fees before. She became more hostile and disrespectful in which a that point I asked for a supervisor. 

I was transferred to a gentlemen named XXXX who was very polite and stated that even though the Franchise Tax Board was at fault and this does happen a lot including to him. That the bank would not refund the fee. This is an issue of principal because had this been any Merchant or other company mistakenly charging my account I would have received a refund. Instead I was insulted, disrespected and told to ask the agency who did not charge the fee for a refund. 

I believe this is a fee hungry bank that is escalating abusive fee practices when a client is still charged for a mistake by a government agency.
XX/XX/2007, we were duped by B of A on the terms of a XXXX mortgage, which they " converted '' to a HELOC, effectively raising our mortgage rate by XXXX 20 %. At this point, XXXX effectually made our loan a " credit '', or " unsecured debt ''. The payment amount was unaffordable. We tried to obtain assistance, even enlisting our local Housing Assistance office. XXXX process, including threats of foreclosure and harassing us and our children at our residence, forced us into declaring a Ch. XXXX BK. Our court-approved repayment plan lists this B of A debt as unsecured debt, and it was discharged at the time of our successful completion of the repayment plan to the trustee. Despite this, XXXX sold the discharged debt to a " debt collection '' mortgage company, who sold it to another, who sold it to another, who sold it to yet another. We contacted our XXXX attorney via email ( prior to our discharge, when he was still bound by contract to act to protect us ), and he contacted the then-creditor who was harassing us. He informed us that they had stated that they had coded our discharge incorrectly and that they would rectify their error, so that our credit would not continue to be negatively affected. This did not happen, but by then our case was finished, and the BK lawyer stated that he would charge us his hourly fee, which we could not afford, to work for the correction he failed to ensure while we were retaining him. Since then, each ensuing company sent us monthly statements that were harassing in nature. Nationstar is the longest-standing, most intransigent of those who are causing us three years of ongoing financial and personal damages ( denial of credit, higher interest rates, and severely limited housing options, to name a few civil damages ). On top of this, we faced a XXXX in the midst of this situation. Notwithstanding, we paid off our Ch. XXXX plan and received our Federal Discharge of Bankruptcy. We have personally spoken to Nationstar 's representatives on no less than fifteen occasions, each of which has cost us upwards of three hours of time. We have been given a new name of the " Dedicated Loan Specialist '' to contact on EVERY statement we have received, but none has EVER remedied the error. We have WRITTEN, FAXED, and CALLED. We have been TRANSFERRED, REFERRED, and ADVISED on how to remedy our situation by providing our court documents, statements, and contact information. We can think of nothing left to do but the possibility of filing charges against our own lawyer AND Nationstar. We hope that this is not our only option. We have simply requested, and now would demand, that Nationstar relinquish its unfounded claim, and if necessary, instigate further actions against the seller of this unsecured, bankruptcy-discharged debt, and cease and desist its unethical harassment of us.
In XX/XX/2017, Chase closed all of my credit card accounts with no reason given. I appealed the closure of the accounts but they were not reopened. 

On several of the accounts I paid annual fees for the use of those cards. Those annual fees were not returned to me even though I was no longer able to use the cards.
DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.
On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.
I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.
My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX XXXX. Before it was transferred I was working with XXXX on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my XXXX children. They kept insisting that I have my XXXX minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In XXXX XXXX, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in XXXX XXXX. On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX stating I had been approved for a modification, but the envelope was postmarked XXXX XXXX, XXXX, so clearly they mailed it after the conversation I had with them. They refused to allow me to make the payment to accept the modification because it was past due date. I immediately reapplied for another modification but this time was quickly denied because my modified payment would be higher than the original payment. I appealed this decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by XXXX XXXX and i asked if I was reviewed for a XXXX XXXX modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.
On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!
I originally owed a debt to XXXX XXXX, their credit card. I had difficulty due to the economy. I had been working with XXXX debt co but they sold my debt. Ultimately the debt was purchased be XXXX. They began garnishment without allowing me to resolve my debt. I sent them a money order for the full amount. I had to call back but they sent me a letter that the debt had in fact has XXXX satisfied. Then I 've received XXXX with what appears further court action. They are XXXX. After a XXXX search I discovered they allXXXX have been sued for their practices as they were or are in business together. After I read the suits and that you have won a suit against them all, I decided to make you aware that they are still at in in XXXX and XXXX 2016. Hope you can help me.
CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.
TransUnion report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by TransUnion stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by XXXX with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was TransUnion.
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian. 
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian.
XXXX XXXX, its a hard inquiry dated XX/XX/2017 XX/XX/2017
Have had a XXXX XXXX account with XXXX XXXX for over 5 years. Was only 30 days late one time. Had a credit limit of XXXX originally was {$250.00} and due to good pay history etc have received regular credit line increases. My credit has actually improved in the past 24 months after going through a divorce in XX/XX/XXXX/XX/XX/XXXX. I found out for whatever reason XXXX did a credit review on my account on XX/XX/XXXX and lowered my credit line to {$150.00}! One, why was a review conducted? I have not been late, I did not ask for an increase and I have not purchased lately. Now it made my debt to income ratio closer to 100 %. I do not even understand why they did a credit review. I have other XXXX accounts that are ALL in good standing and I have NEVER missed a payment in almost 5 years. My credit score is actually better than it was when the account was opened. This extreme lowering of my credit line is going to adversely affect my credit score and debt to income ratio!
Received a reply from TRANSUNION today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Concern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or  Bankruptcy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgement or tax liens. A Bankruptcy filing is public information. Again, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research. 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 623 ( a ) ( 3 ),  and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.