WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : XXXX, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!
I opened a Citibank checking and savings account on XX/XX/18 using promo code XXXX which was supposed to provide me with a {$400.00} account opening bonus if I maintained a {$15000.00} balance between the two accounts for 60 days. Upon reaching the 60 day mark and not seeing the bonus get deposited, I contacted Citibank and was told that it could take up to 90 days for the funds to be deposited. During the last week of XXXX, I again called Citibank as I was surprised the funds were taking so long and was reminded that I was not at my 90 day deadline for them to deposit the bonus. They acknowledged that the bonus was attached to my account. It is now XX/XX/18 and I still have not received my bonus. I initiated a chat session today and am still being stonewalled that supposedly it is another 4-7 days of  processing. I am seeing that a huge number of people have this same issue. This is unacceptable and blatant fraud. Consumers should be aware that Citibank does not honor its obligations and that they should bank elsewhere.
Equifax , XXXX and XXXX continue to list and update XXXX XXXX XXXX on my credit file. I have contacted this company several times over several months time frame. This company has failed to respond to any of my disputes. Instead, they have failed to provide me with a debt verification, they have failed to provide me with a right to dispute notice. They have failed to list accurate information on my credit report. I contacted them certified mail in XXXX 2015 at the address listed on my credit file and my certified mail was returned back to me as an unknown address from the post office. Yet, all of the credit bureaus keep updating the account information for this company that I have never done business with. By law, XXXX XXXX XXXX can no longer remain on my credit and I want your agency to make sure that this account is not resold to another agency since this company is too busy to list their correct mailing address on my credit when they update their account, as well as too busy to respond to my disputes.
In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.
I pay {$400.00} a month on a {$60000.00} loan. Of that {$400.00}, {$50.00} goes towards the principal and {$350.00} goes towards interest. I have asked to change the amount applied to the principal, the response being the only way to change is to pay more money a month. Which I ca n't pay, because my student loans are {$800.00} a month and I make {$XXXX} a year, I have a XXXX. I have asked to lower my payments because I ca n't pay them without causing financial hardship ; they have refused, except to offer to continuously extend the life of the loan so they reap more money on interest. My credit has been negatively affected because I could only pay {$100.00} towards my {$400.00} loan payment when just out of XXXX and making $ XXXX hour in XXXX . They would n't accept the {$100.00} and preferred to send me to the creditors. 

How they distribute paying off my loans is also morally and economically disputable. The loans that accrue the less money are paid off first. Most of the money from the monthly payments is paid to the smaller loans with the lowest interest rate ( {$2000.00} with 4.25 % ) and {$50.00} is attributed to the the {$13000.00} loans at a 3.25 % interest rate. This has happened to XXXX loans ranging from {$10000.00} to {$13000.00}. Loan consolidation is not an option, so my current payments go towards the balance on XXXX independent loans. Due to the fact they would not accept a lesser payment and my credit score was significantly negatively impacted, I do not qualify for another private loan to purchase these private loans and consolidate. Therefore, I am left powerless to rectify a negatively life impacting situation.
My loan was transferred to Rushmore Loan Management company in XXXX, 2015. Prior to the transfer, my initial loan company had granted me a debt forgiveness of a significant amount. Rushmore, is currently modifying my loan based on my initial loan amount and totally ignoring the amount forgiving as well as payments I have made to reduce the principal balance on my loan. The modification offered is another 30 year mortgage with the principal balance equal to my original purchase price. This ignores 9 years of payments and the loan forgiveness by XXXX. This is clearly a breach of contract and is fraudulent.
The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico.  This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...
XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.
As a XXXX, to went to XXXX school back in XXXX and finally finished in XXXX as I worked to support my family and take care of a elderly and sick parent. During that time, we took out loans for XXXX University. We needed to student loans so I could keep going to school while raising a family, trying to pay a mortgage, and caring for my dad. During those years, my ex-wife was in charge of the finances and she made payments. In XXXX, she began a divorce process which ended in XXXX. During that time, I took over the finances and looked at the loan balances an discovered we had hardly paid down anything. I asked for the payment history from the loan server and XXXX ( agency that I think issued the loans ) and my ex-wife had been making payment. When I looked at old bills and inquired with the bank, they said that only minimal payments were being made. However, when you looked at the bills the minimum payment was in larger print. It appeared to be the payment that was required to pay down the loan. Almost 24 years later, I am still paying down this loan which is at 8 % and have barely made a dent in it. Meanwhile, I have increased the payments but I can only increase them so much as a teacher, single parent, who is also helping his adult children get through college. I feel like i will be paying this loan forever. When I was in the middle of the divorce in XXXX and the housing market collapsed I had to file for bankruptcy. I asked for some forgiveness of the loan but was denied. Meanwhile, I had to borrow money from friends to survive and interest kept accumulating on these loans. I think this is all very unfair. I will be XXXX by the time this loan is finally paid off, assuming my health stays in tact and I can keep working full time as a teacher. Meanwhile, my hands are tied in trying to help me kids and they are also getting mired in student loans. Please help!
opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw
To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in Wells Fargo who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range. 
Late XXXX I was home and read the letter. I took my information and made an appointment with the local Wells Fargo branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as one complete student loan. So I called XXXX and found out that in XXXX wells Fargo XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!
I sent a LEGAL Notarized affidavit to Experian, XXXX , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Experian, XXXX , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from Experian, XXXX , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX  credit summary. Please have this delinquency expeditiously removed from my XXXX, Experian, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.
Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.
I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.
In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.