WillisBack/dataset-financial-user-claim huggingface dataset:
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX   did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXXXXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Bank of America failure to reverse illegal deductions from account that had money removed by unauthorized person. Use of my ATM Bank of America card was skimmed by a criminal and they stole money from my XXXX account. Bank of America indicated I would need to wait 10 days for reversal of funds, or longer. This is an account for people on state XXXX, Bank of America will reverse for their own B OF A customer but not for a XXXX / XXXX account that was implemented by State of CA. These are accounts that are provided thru the banking institution of Bank of America and the recipient has no choice in the institution that pays them. Bof A bank should treat ALL accounts in the same FDIC protected manner. Someone on XXXX had no choice in the manner of getting payments in this form while out with illness, that is regulated by the State.
This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.
I had XXXX loans with KY Higher learning which were transferred to XXXX XXXX in XXXX. All XXXX loans are still appearing on my credit report and impacting my ability to obtain financing. I 've requested that they remove these loans from my credit report multiple times form XXXX, even submitting a form to KY Higher Education to remove them from my credit report ( which they claim to have never received ) and disputing my credit reporting with the credit agencies. Today, I spoke with KY Higher Education and discussed the situation with an individual named XXXX. He said I needed to submit another credit dispute from ; yet, he refused to send me the credit dispute form and just referred to the company website to dig for it. He said that he talked to a supervisor and they could not offer any further assistance, other than to say you can try to find our credit dispute form somewhere on our website.
In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.
XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.
Hello, I applied for a job with XXXX. They used Microbilt Corporation who is a credit report agency. 
I was told that I have an eviction on my record. My name is XXXX XXXX social security number is XXXX. 
They gave me a copy of the Eviction on my record. This Eviction has another person 's name as XXXX XXXX I 'm XXXX XXXX. But it shows my social security number on her Eviction. I never lived in the address that is XXXX XXXX XXXX XXXX XXXX, Wi XXXX. 
I found the owner her name is XXXX XXXX XXXX XXXX XXXX XXXX. After many attempts I finally was able to speak to her several times. I sent her a copy of my license and she checked her files and finally stated that I AM NOT THE PERSON who lived there. 
I called Microbilt Corporation XXXX and tried to give them this information, since they were the ones that XXXX use for credit information. But they said that it is not their problem. That all they do is get the information from the county where the Eviction was file at. I called the County of XXXX Wisconsin ( XXXX ) XXXX And they Also stated that first of all it was NOT ME and that they never put social security numbers on the Eviction record. 
My problem is with Microbilt Corporation. XXXX who are the ones that is reporting that I have an eviction and even with all the information I gave them, they wo n't help or delete this Eviction that has a different name XXXX XXXX ( my name is XXXX XXXX ) but ONLY THEY have my social security number associated with this person 's name. When I looked at my credit with XXXX XXXX, it shows that Microbilt Corporation did request my credit information. Can you please help me correct this? Having an Eviction on my record is very damaging and on top of this, IT 'S NOT MINE!! But when I try to give them my information, they are short with me and do n't want to deal with me.. They are very unprofessional. It almost seems like they are some sort of scam company.
I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.
Hello, I am writing because I am a victim of Transunions credit error in their system where they deleted my inquiries. They about a week later they reinserted them back but didnt folllow the legal procedure to do that. I did not get a letter from them saying that they were doing so. After this I called Transunion to get them removed. I listed to the agent all of my inquiries. She put me on hold to do an investigation. She came back on the phone and said that I would have to get letter of deletions from every company that I had an inquiries from. As well as send them a letter saying that I want them to remove all of the inquiries. Companies will not send me letter of deletions because they say I made those inquiries. Transunion would not resolve my issue. I would like the all of these inquiries removed. Here is a list of the inquiries along with the dates. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX   XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX
IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.
We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
I 've contacted Experian on many occasions about inquires I did n't perform. They told me I have to contact the companies. I did that & I was still told to contact Experian. They are giving me the complete run around.
XX/XX/XXXX - I made two withdrawals with Coinbase, one for {$90000.00} ( Transfer ID : XXXX ) and another for {$10000.00} ( Transfer ID : XXXX ). Coinbase quotes me that the estimated payout for the withdrawals will hit my bank account XX/XX/XXXX. 

XX/XX/XXXX - I submit a support request asking them to investigate, recover, and transfer my funds to me. The support case # is XXXX. 

XX/XX/XXXX - Coinbase reaches out to me and acknowledges the problem and says they will work with a specialist to address it properly. They provide no concrete answers as to what happened or when it will be resolved.
Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. 
Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.
Before moving to XXXX, I had faxed several deferment and the agency kept claiming not to receive. Finally after they received my deferment paper, they said she sent me the wrong paperwork. Wanted me to download the new paperwork & fax it to them or they were putting my loan in default. I explained to them that I was stranded on the side of the highway with my granddaughters. I was told that if I didn't redo that paperwork that day, XXXX XXXX, my loan would be defaulted which they did. I asked how can I be blamed for your employees mistake when I called after arriving in XXXX. Was informed that it was too late the defaulted my loans. Messed up my credit and haven't been able to file taxes. This default has caused me much hardship and big businesses are getting way with it. I still have the faxes that I sent proving that I did my paperwork on time, they just didn't give me the right paperwork.
The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Please forward my complaint / issue to all relevant, state/ local and federal agencies Thanks I don't have a working printer etc so please do as I have asked You since I am out of work and broke etc..

THIS is a complaint against capital one credit card I have three accounts with them XXXX XXXX XXXX XXXX ( 4 minutes ago ) to investor.relations, Investor.Complaints when You call XXXX XXXX XXXX ( You can't thru to anyone for at least an hour and then they have no ability to help You out in any way shape or form so I will not use that # for anything except if we are dealing with id theft and that is why I have a contact person and want certain things for my wasted time which the company does by design and that is all well and good as long as I get compensated etc. for my time etc..

( I will give You the last 4 digits on each of my cards which I don't want to lose the use of and the issues involved with each of them ) all agencies that I will contact here I request that they forward my issue to all relevant state/ local and federal agencies and as for capitol one get my issues/ complaints to the correct person in the ceo 's office I am dealing with XXXX EMPLOYEE ID # XXXX AT XXXX XXXX XXXX PIN CODE # XXXX AND DIR EXT # XXXX XXXX ( I like her and I want to help her help me out that is what this letter is all about ) I am writing to XXXX consumer affairs, the ny state attorney generals office and the virginia attorney generals office as well as capitol one! I am out of work and need help to maintain my accounts but to also pay bills for card ending in XXXX I need the interest free period extended to XX/XX/19 and I wanted {$200.00} for my time THE LADY GAVE ME {$100.00} I still want the other {$100.00}. 

for card ending in XXXX I have a dispute for {$7.00} that needs to be handled and the last 3 statements ( including the one that was ready saturday XX/XX/19 ) that have interest charges that I need reversed as well as making this card interest free until XX/XX/19 as well as {$200.00} for my time. 

for card ending XXXX the lady was kind enough to lower my interest charges but I need the interest to be waived until XX/XX/19 and {$200.00} for my time and the interest charges from the last 2 statements as well as the statement that will be printed out in a week or two to have that interest charge reversed as well I realize that the bank is entitled to make money but sadly I am broke and can't afford to make them money right all I can hope is good will and that they improve their customer service ( The lady I am dealing with is great but THE regular customer service needs to be improved as well and if the bank loses money from my complaint they will better staff the customer service line! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TEL #  XXXX XXXX XXXX I repeat that I am doing this to help out my situation and and I don't want to lose my 3 three credit cards! 
from : XXXX XXXX XXXX, XXXX date : XX/XX/2019, XXXX XXXX
For over 2 years I have been filing and re-filing for a RMA ( Request for Mortgage Assistance ) with Select Portfolio Servicing , Inc. having no result. I learned from XXXX XXXX XXXX that Select Portfolio Servicing , Inc was found guilty of wrongful business practices in 2012, and they still refuse to pay any restitutions. For each time a client submits a RMA they receive XXXX dollars from the Federal government as incentive to help citizens suffering from hardships. Today, they have people to submit and resubmit the same documents multiple times. I worked for 20 years at XXXX only for the company to be sold to XXXX. Two months after the final papers were signed lay offs began and I was given XXXX ( XXXX ) month severance pay. Gov. XXXX XXXX changed unemployment time allowance from 2 years to 3 months, which made XXXX unavailable for Federal assistance. He also cut the XXXX program which extended unemployment for people that enrolled in school for retraining after being laid off. It has been arduous trying to return to work. I am the only graduating student from XXXX having received XXXX and still have n't landed a job. Age discrimination? You tell me.
On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!
XXXX XXXX has repeatedly reported derogatory information to the credit bureaus causing my credit scores to drop considerably. This was from a XXXX medical bill that they set up monthly withdrawals from my credit card. I have the statements and now they are saying I owe additional fees that were not included in the withdrawals. I attempted to explain, I did not set the amount, I just provided my card information to eliminate the debt and not ruin my credit! They have stated they are uncertain why the amount XXXX Dollars for one and XXXX Dollars for the other were not taken, however, if I pay it now, they will stop reporting it. Mind you, they are reporting twice a month. This is just a terrible act committed against the little people. I was trying to be responsible and they still ruined my credit. I was in the process of buying a home, my score dropped 40 points in two months. This is unfair to the core of collections!!!!! We the little people in the Big Business World require assistance. HELP!!!!!!!!!!
on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.
I am writing regarding my XXXX XXXX XXXX XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a XXXX XXXX XXXX military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. XXXX XXXX XXXX made no attempts to contact me. I previously tried to download the XXXX on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

XXXX XXXX XXXX reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact XXXX XXXX XXXX and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.
This is regards to complaint # XXXX, Please be advised Under Federal Law ( Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I 'm entitle to physically verify or vision any information such as signed Original Contracts or applications with my signature. Experian has investigated the accounts several times. I need Experian to forwarded me signed documents with my signature Please. Under the FCRA laws mentioned I 'm entitled to vision and Physically verify the information being reported.
THE ISSUE WAS RESOLVED BY THE VIRGINIA CRIMINAL INJURIES COMPENSATION FUND TEL:XXXX