WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact XXXX and Equifax with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
XX/XX/2018 Amount {$1900.00} BANK OF AMERICA CREDIT CARD AMEX The fraud team has investigated this claim 5x and has provided no substantial information as to why my claim was denied. I did not have my card in my possesion nor recognize this charge on my account. I called BANK OF AMERICA immediately as soon as the charge was billed to my account, I have called numerous times to speak to the investigation team to give them all the information I can. Multiple times I've been promised a call back and have not received one.

After the 1st denial of the claim, I reopened the claim because the associate did not note if I had the card in my possesion. I told the representative from BANK OF AMERICA I DID NOT have my card in my possesion when the charge was made. 

This ongoing issue has been more than three months and everytime the claim gets reopened and closed ( 5x ) I am not given a reason as to why. I need this issue revolved as I did not  make this purchase.
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report
Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.
: :Addendum to case # XXXX : : Bank of America states the note was transferred to XXXX ( XXXX ), as XXXX APR, XX/XX/XXXX. If this is true, the deed to the property reflects the mortgage was satisfied by Bank of America, NOT XXXX. I have attached the deeds in regards to Bank of America. XXXX ( XXXX ), is mentioned nowhere in the deeds. Also, let it be known I have provided a copy of my drivers license, as well as official government mailings, proving my mailing address as of XX/XX/XXXX. My attached proof of address is well before the alleged transfer date. Also, let it be known, my address was NOT changed in XX/XX/XXXX, as Bank of America stated. Also, the addresses provided by Bank of America are of a generic nature, as there are multiple XXXX, as well as XXXX. There are no city, state, or proper zip code attached, which means I did NOT receive any mailings. Also, Bank of America claims there was not foreclosure proceedings conducted. There were XXXX XXXX notices issued in both XX/XX/XXXX, as well as XX/XX/XXXX. Reason being is Bank of America was the second mortgage. XXXX was the primary ( first mortgage ). XXXX refused to subordinate the second mortgage, which meant the property could not be refinanced or sold. This is why the property was disposed of via short sale. I have provided your own words in an attachment, as well as identification and the deeds.
ABR recovery services has tried to illegally " reage '' and " park '' and old debt onto my current credit profile. I have received a letter from the original creditor showing both accounts have been closed since XX/XX/XXXX and XX/XX/XXXX. They are past the statue of limitations. ABR recovery service has now knowingly reported false information to the reporting agency of XXXX. If these accounts are not removed I will now seek legal counsel against ABR for illegally and knowingly reporting false dates, balances, account numbers and account delinquency year to XXXX credit agency.

Please see attached letter from the original creditor, XXXX.
I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.
I was told I qualified for a {$50.00} credit on my purchase if I applied for a Lowe 's credit card and was accepted, so I applied. I was denied and told, in public, in front of my daughter that I was denied. I asked if I would receive a letter. I was told " yes ''. I paid for my purchase and immediately checked my credit score because I feared fraud. My credit score was XXXX. 

One week later, I called Lowe 's to find out why I had not received an explanation ; they told me I had not been denied and that all applications were routinely placed on hold. I asked for a supervisor and I was then transferred to XXXX XXXX  ( XXXX ). I asked for a supervisor again and was placed on hold again ; after waiting 5 minutes I was asked if I minded continuing to hold ; I replied " no '' I did not mind. They then hung up. 

I called back and opened a Lowe 's Incident # XXXX ; I was then transferred to XXXX XXXX again. 

I asked XXXX XXXX for a reasonable explanation for why my application was " denied '' originally and received none. XXXX said my application was incomplete but did not require any additional information when he approved it, so that was a lie. He also said I will receive a {$50.00} credit on my 1st purchase. 

I found this entire process misleading and embarrassing in the extreme. I was on the phone over 40 minutes resolving it.
I have XXXX issues with Equity Accelerator program offered by LoanCare : Issue # 1 : I closed my account with LoanCare on XX/XX/2016 ( see first enclosed letter ). When I closed my account, there was a remaining account balance of {$3200.00}. According to a LoanCare customer service representative, a check for this amount was mailed to me on XX/XX/2016. The customer service representative said the check should arrive in 7-10 business days. It has been over 10 business days, and I have not received the check. I contacted LoanCare again on XX/XX/XXXX to ask for a status on my check. The customer service representative said I should wait for two more days, and that she would contact me to verify that I received my check. She never called back and I did n't receive the check. I contacted LoanCare again on XX/XX/XXXX. This time I was told to call back on Friday, XX/XX/XXXX and request to be reimbursed one more time. 
In the meantime, I have a mortgage payment due on XX/XX/XXXX and was planning on using the reimbursement check from LoanCare to pay my mortgage. I 'm running out of time. Can you help me please? 
Issue # 2 : According to an LoanCare customer service representative, a check was mailed to me on XX/XX/XXXX and then again on XX/XX/XXXX for an agreement reached between XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) regarding unfair/misleading practices ( see second enclosed letter ). I never received this check. I sent an e-mail to the LoanCare Redress Administrator and received a response that it 's too late to receive this check and that I should contact the CFPB.
I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.
I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE THE CHECK.
On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. 

On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. 

This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.
I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.
I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.
I opened my checking and savings accounts with Citibank on XX/XX/XXXX, signing up to receive a bonus of {$400.00} if {$15000.00} in funds are deposited in the account. I have confirmed with Citibank customer service multiple times that the bonus was attached to my account. The bonus was supposed to post to my account within 90 days after requirements are met. I deposited the full amount of {$15000.00} on XX/XX/XXXX, and to this date ( XX/XX/XXXX ) over 180 days later I still have not received the bonus.
XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.
I CONTACTED TRANSUNION XXXX AND XXXX about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my XXXX 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
I have had my credit card with Bank of America for a very long time. I have never missed a payment. I was traveling overseas and a payment was processed and my bank was unable to get me on the phone so it was returned. I had no knowledge of this and Bank of America ran payment again and it was blocked because of an alert on my account.     After the second attempt, Bank of America just closed my account outright and reported me late on my credit.     I have never been late and have been an ideal client. They even closed my bank account and effected my banking relationship.       i had perfect credit and now this has been put on my credit.
I received many, many letters from JPMorgan Chase offering refinance and decided to refinance with the office in XXXX Ohio. They said I easily qualified for a refinance due to the heated real estate market in my neighborhood. The refinance came down to an appraiser who filed an erroneous report that did n't even describe our home. We raised this with the bank which is in the process of refunding our fee. Below is  an email I had to send to kick off an appeal process. This bank wasted many, many hours of my time which I could have used working with a more competent company. Per our discussion we would like to formally appeal the appraisal which we believe, having consulted multiple realtors and licensed appraisers, is erroneous and not even close to reflecting home values in our neighborhood. The appraiser actually used 2 tear downs sold over 8 months ago ( even though there were multiple comparable sales to choose from in the last 6 months ) and one home she selected was n't even in our zipcode! For some odd reason, she used a pending sale on XXXX XXXX ( near her own house no less ) when there were 2 clearly more recent comparables on the same street that actually sold for XXXX and are closer to my house. Also based on the lack of questions she was asking I could tell she was either inexperienced or going to be very lazy with this appraisal. If you do n't believe me simply look at the details of the appraisal document where she has included " Functional depreciation for pool '' because she was copying and pasting from another appraisal. She even got the total number of rooms incorrect and did not include any of the energy efficient items I noted to her. I shared this with many of my realtor friends and not one of them can believe this is a licensed appraiser. We are all absolutely dumbfounded by this clearly incompetent assessment. We have had multiple offers on the property for XXXX XXXX and over ( 300K over appraisal ) especially since it is a corner lot, in a coveted neighborhood and boasts the best public school in XXXX This is tremendously shoddy work and Chase should  demand better results from its contractors.
I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.
It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, Experian, and XXXX in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set for XX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX and XXXX  where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.
On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Paypal Credit refuses to extend the reduced APR ( 11.99 % ) that I requested as a part of a hardship payment plan. Paypal Credit insists that they only allow a one year hardship period, and raised the APR to 19.99 %.
My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take it.