WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern I am writing to file a formal complaint against the credit reporting agency Experian. I have sent several disputes to this agency and they send replies saying verified on accounts that I have no knowledge of. Experian has violated the FCRA by sending me a letter saying they refuse to investigate certain accounts because I have not provided relevant information or evidence. ( letter attached ) As a data furnisher Experian should be able to provide me with proof that these accounts belong to me and that this information is accurate as they are reporting it. A credit reporting agency can not just accept the information provided by the furnisher is correct just because they say it is correct. They need to supply proof! You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
Experian has the duty to go beyond the information provided by the furnisher and must verify the original source of the disputed account ( the original creditor ) The secondary data furnisher ( the collection agency ) is not considered a reliable source for verification and validation in their reinvestigation. Specifically, Title 15 U.S.C. 1681i requires you to reinvestigate each disputed item and to complete the reinvestigation or delete the disputed item within one month. If your bureau continues to fail to live up to its obligations under the law, I will proceed to court and pursue any other remedies that may be available to me under applicable laws and regulations. In this regard, I note that Title 15 U.S.C. 1681n & 1681o provide for the recovery of punitive damages and/or attorney 's fees under appropriate circumstances. I urge you to complete your investigation within the time allotted to you by law. In the event that you are able to verify this item, please consider this letter as my request in advance that you supply me with the name, company address and company phone number of the person having verified the report, as required under Section 1681i ( a ) ( 6 ) ( B ) ( iii ) which states that you provide " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The following accounts are inaccurate and do not belong to me : XXXX/XXXX Account # : XXXX XXXX XXXX XXXX- Account # XXXX & Account # XXXX XXXX- Account # : XXXX XXXX XXXX- Account XXXX XXXX
I have a business account with Citibank that serves as petty cash account, with less than XXXX transactions a month, and with a minimum balance. Citibank insists to charge {$17.00} a month as a maintenance fee unless I have a {$5000.00} minimum balance. 
i consider that fee abusive but Citibank does not offer any other business product to meet my needs, so they should waive the fees.
XXXX XXXX has buried information in credit agreement as to how deferred interest payments are applied. Despite paying 2X the balance owed on a deferred interest purchase, I was still assessed the deferred interest charged based on the way the payments were allocated. This approach is entirely misleading and unfair to the consumer.
We filed a dispute with Equifax on XXXX/XXXX/16. The site still lists the investigation as pending and it has been longer than 30 days. The other XXXX reporting agencies XXXX XXXX and XXXX XXXX have returned the information in a timely fashion. When we call to get information they try to sell us their credit monitoring service.
I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.
I had my rent increased on my apartment rental by a significant amount. I am planning to find another place to live. Then, Hurricane Irma hit. I was evacuated to a shelter, had no power. I am XXXX, but work a little. I am an iXXXX XXXX and do XXXX XXXX XXXX. Because of the storm, I was unable to get to my patient to provide his care. I missed close to two weeks work. I do n't get paid unless I work. Because of all these factors, I missed payments on my XXXX XXXX Credit Card and my XXXX Credit Card, which are both through XXXX XXXX. When I was able to live in my apartment again, after the flooding receded and I had power. I called XXXX XXXX about both accounts being late. I arranged to have my next payment debited from my checking account on XX/XX/XXXX. I told them I would catch up and get my account current again, once I was back to work. On XX/XX/XXXX, I checked my checking account at XXXX XXXX XXXX. Two payments had been put through, one for XXXX, at {$35.00}, and one for XXXX XXXX, at {$20.00}. Because I only had a few dollars in my account, both overdrew my account. It takes several days for the charges to be returned, so I can not use my checking account. Now, I ca n't pay my cell phone bill and my cell phone is going to be shut off tomorrow. I called and complained, because I have never missed payments on these credit cards until all this happened. They said it was some kind of mistake. I asked them to forgive my XXXX payments, because, I live in a state that has been declared a federal disaster area, and that 's what my other creditors are doing. XXXX XXXX refused to do this. Now my cell phone will be shut off. I planned on paying it today, until XXXX overdrew my checking account. They wo n't help me.
In XXXX, I had some XXXX work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an email ( who would sent a bill to a consumer via email and not notified the consumer? Now, they are trying to make me pay late fees and have gone up on my premiums without proper notification. I have notified Care credit that I can not access their computer systems anymore to pay my bills, but that does not seem to fazethem. Meanwhile, I continued to make the same payments I had agreed upon in my original papers ( which is {$160.00} and late fees if I am ever late but this is not enough for Care Credit. I have all of my paid receipts and all correspondence received from Care Credit from XXXX through XXXX, and will be appreciative if you can assist me in any way that you can. Incidentially, a class action suit was filed against Care Credit/GE Capital Retail Bank/now called Synchrony Bank in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX California and the final hearing was on XXXX XXXX, XXXX. In reading the transcript ( which is online ), the defendants won this suit for XXXX XXXX dollars and maybe more. Any legal services you can recommend to me will be appreciated. I do need to mentioned to you that I am a retired senior and also a XXXX student, and I need to clean up this matter as soon as possible so I can go on with my education.
This is an extremely upsetting case of possible UDAAP violations. I received a very threatening call from a XXXX XXXX - NO company name left. The message said that she was an independent courier and that she will be at my home during my work hours. She advised that if I was not available at this time which I will not be she will be forced to mark me as non-complaint/refusal and additional action may be taken towards me. Additionally she left a number for me to call the " filing party '' insinuating suit or formal filing. The number left was XXXX. This was a call to XXXX XXXX. I called the number and spoke with a XXXX XXXX who provided me the last four of the SSN. What is this was not me? The appropriate practice would be to ask the consumer to validate. I advised this person that I wanted validation of this alleged debt via mail and did not want any additional phone communication and that I did not want anyone coming to my home and if so I would contact the police he advise that he would send a police escort if necessary. This is a direct threat to my safety and my home and I am unaware of any such debt! He offered to email me the validation I again requested all communication via mail. HE REFUSED. Additionally I advise him of the unprofessional and threatening tone of the carrier he advised this was not his companies responsibility and he was not sure who the carrier was. I requested additional information as I am unsure why he would not have this information. He said it could possibly be XXXX courier. He stated this was for a debt from XXXX XXXX ' XXXX from 2013. Again I am not familiar with this debt. He informed me that I was on a " Federally recorded line '', this is an attempt to intimate me and refused to provide validation outside of email and stated someone is coming to my home again with police if necessary. I advised him I do not want any additional phone calls or home visits, he stated that then this will be handled in court. I asked him to clarify if he was threatening me with a lawsuit and he said no I am just letting you know what your options are before we sue you. I provided him my attorney name and phone number and ask him to not call me again. Subsequently he proceeded to contact my employer line and gave a false name to the reception area to be transferred to my voicemail. He stated his name was XXXX XXXX when it was actually XXXX saying that he wrote the attorney number incorrectly and wanted to " give me the opportunity '' to provide the correct attorney name " otherwise '' he wishes me the best of luck in the courts. I asked the front desk to document this false name and I also saved the message. This is a clear violation of UDAAP. This was uncomfortable and very threatening.
In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient
I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards check
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
The collection Firm of Franklin Collections services of XXXX MS has been going back and forth about a debt I supposedly owed for a creditor. I sent a correspondence requesting a signed contract from this creditor stating I requested the services they are claiming I received after receiving a itemized bill from them to get this off my credit files knowing I never had anything through this provider but XXXX which I still have the rep by the name of XXXX stated that he could not provide the contract, that XXXX XXXX XXXX stated he could not settle the debt because they want the whole XXXX. He also stated that he is a contractor for XXXX XXXX XXXX so they have the final say and what they collect on the debt as a consumer I am very aware that collection agencies buy these debts for pennies on a dollar and definitely not a contractor for these companies. The last statement he stated is that I receive this service at my current address which is not the case. Please have this collection agency to remove said debt I supposedly owe off my all XXXX credit agencies for misrepresentation I 'm sure this phone conversation all can be verify which took place today XXXX XXXX because the debt collector stated it is recorded unless this is another lying tactic
I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.
Coinbase requires a link in a verification email to be opened in order to login, however I had lost access to that email and as such I have lost access to my Coinbase account. I am not able to access my {$37000.00} balance or maintain security of my account. I did some research on how to regain access to the account, and followed their instructions pertaining to this particular scenario. Then, I contacted their support via e-mail on X/XX/17 to initiate a Coinbase Account Reset Process. As of today, there has been no response by a human to my case.
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX XXXX XXXX
The Public Record Information that the credit reporting agencies is reporting is inaccurate in its filing. The bankruptcy is dismissed by the Federal Court, a government agency. It is by the Federal Government that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization and I have a right to know who " verified ''. The agencies are holding my identity and credit under " Consumer Lock '' for 10 years, I want to know by what law? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?
I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.
Car was repossessed on Wednesday. Payments were made on Wednesday and now I ca n't get the car back from repossessions people. Ive been calling them for 3 days and car was taken out of XXXX!
Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.
Hello We had a bankruptcy 13 years ago. On our monthly statement, which is never or sometimes mailed out, and all paperwork per Chase Mortgage they still classify us as in a " Discharge status ''. We tried many times to communicate to get this taken off our records. No one at Chase seems to have any knowledge to help us. We supplied paperwork to Chase to rectify this off our mortgage paperwork and their system. We feel that the slanderous and defaming information on our monthly statement is ludicrous. When we call Chase we are still diverted to a prerecord statement that is horrible and heartening to the Chase bankruptcy department. It is revolting at this point that something that has transpired 13 years ago. Still to this day we don't receive timely monthly statements. We pay on time and Chase does cash the checks very promptly.
Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES