WillisBack/dataset-financial-user-claim huggingface dataset:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck
Our mortgage was sold to Carrington MS , Inc about 6 months ago and they have made it nearly impossible to pay more than our minimum payment. We always try to pay extra to pay down our premium and previous mortgage servicing companies have made it easy to do so. Carrington, however, wants to collect as much interest as possible and refuses to work with us to make paying our loan off early a reality. It is frustrating that mortgage companies can sell our loan whenever they want, but our only recourse to rid ourselves of a selfish company is to refinance.
Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX
Ive recently reached out to creditors and the credit bureaus about inquiries on my account that do not belong to me that need to be deleted from my TransUnion Credit report.
Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got not response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
We pay our mortgage every month, and are charged {$14.00} every month. Seems every 5 year our mortgage company changes to someone else, and our mortgage payoff for our house never changes. We 've been here 10 years on a 20 yr loan. XXXX XXXX, and Nation Star, and now someone else is taking over the loan called XXXX XXXX XXXX???? They charge us {$14.00} on their automation to make payment, but if you talk to someone, it 's more. ?????????
I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. 
The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.
Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX
I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.
XXXX, TRANSUNION, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
The debt collection company asked me if I know a " XXXX   ____ '' ( not sure about last name ) and I don't. They keep asking if I know how to contact her or someone who does. I explain that they have the wrong number and they keep calling to ask the same questions. It's annoying and they won't remove my number from their calling list.
I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX of XXXX Can send these in as well once I get them scanned.
I was sent a Delinquent Real Estate Taxes letter from XXXX  County XXXX for unpaid real estate taxes for my property. I have called the mortgage servicer immediately upon receiving the notice. I have been asked repeatedly what the problem is and have repeatedly given all the information to them with each phone call and have been given the very same response every time that they will investigate and promptly pay the taxes. My bill was to be paid in XX/XX/XXXX and I am writing to you today on XX/XX/XXXX.

The Loan Servicer is Loancare, XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX.

After repeated phone calls for two months with assurances that I would be contacted as well as the delinquent taxes to be paid, nothing has been done. I am very frustrated and do not know what to do to resolve this issue.
Franklin American Mortgage is involved in my insurance claim process since XX/XX/XXXX and  they are not releasing the funds necessary for the home repairs. I have submitted all of the forms they requested, including a signed receipt for the {$10000.00} I paid the contractor upon 50 % of completion of the repairs. They have only release {$10000.00} to the contractor this week but have given me conflicting information about my reimbursement. The inspection of the repairs still hasn't been scheduled even though I put in the request two weeks ago. Last week they mailed me the insurance check back saying that my husband had not endorsed the check, which is false. Both myself and my husband had endorsed it. Then their supervisor called me and said that XXXX had to endorse the check. XXXX ISSUED the check and their name was simply labeled on the check. Every time I call, I get a new excuse and different information as to why the funds haven't been released. The house suffered structural damages so I decided to pay for part of the repairs ( foundation ) out of pocket. Last week for the first time I heard that the invoice I sent signed by me and the contractor had to go through a review process and that would take an additional 3 to 5 business days. 

I have note heard from Franklin American on this issue. They continue to hold on to my claim money and give me conflicting and incorrect information on a daily basis. Here 's the log of issues since this complaint was filed : - I was told last week that an exception request for the reimbursement of the {$10000.00} that I have paid the contractor and provided a signed receipt for, just was I was instructued, was being processed. Yesterday I was informed that it had been denied on XX/XX/XXXX without any explanation. I was then told by the rep that she'd put in another exception request for me referencing the paid receipt. I called back later in the day and was told by another rep that the previous rep " got side tracked '' and never put in a request. So now I have to wait another 3 to 5 business days to have a response from " corporate '' then another 3 to 5 business days for the reimbursement to be processed, assumed it's approved. This is yet another delay tactic to hold on to my money as I had been told that as long as I provide a receipt signed by the contractor I'd get reimbursed. I need this escalated ASAP! How am I expected to get my home repaired and pay my mortgae on time if these people are not releasing the funds?? 


- I have asked to speak with their supervisor and was told that someone would contact me in 2 to 3 business days. My latest request was on Monday and as of today, Friday, nobody has contacted me.
My Husband and I complete FAFSA forms EVERY YEAR for our Parent Plus Student Loan and because of my husbands income we never qualified for any assistance. My husband has been on EVERY FAFSA and we originally began these Plus loans with XXXX. We have paid XXXX payments ( 10 years ) and as my husband is in XXXX we were told we qualified for this program ( If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program ) When I contact Nelnet today they told me my husbands name is not on the loan????? We have never removed him from the loan. The FAFSA directed us to XXXX and his earnings were included in the loan determination, just as they were when we were REJECTED from receiving any assistance. This means after his 30 years of public service ( he is still in XXXX XXXX ) and our 120 months of 100 % on time payments, Nelnet is telling me he is not on the loan and we can not take advantage of this program? All of the debt we have incurred in our 34 years of marriage have been joint. Nelnet is the XXXX largest purchase in our married life ( Home purchase being 1st ) and now mysteriously he is not on the loan? Again, he is on EVERY FAFSA to reject any assistance and I am furious and will retain an attorney if this is not resolved. ALSO Nelnet charges interest DAILY on these loans. This is the definition of predatory lending. " Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions '' We still owe 50 % of amount of debt as when we started and we 've paid {$50000.00}. Nelnet is corrupt beyond belief and now that I have the time to examine their predatory lending it 's clear what they are doing to students and parents - robbing them blind!
They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.
I began checking my credit report, and disputing inaccuracies a few years ago after finding out my identity had been stolen. On XXXX separate occasions, I have provided the police report and all other required info. Here recently, the big XXXX have blocked me access to online completely. Now, they refuse to return my phone calls, so I wrote Experian a letter with the police report again, and not knowing the outcome of my previous dispute. I never received a revised copy from Experian or XXXX, or XXXX. I clearly stated in my letter that I was disputing all adverse items, except for XXXX XXXX XXXX XXXX XXXX which had 10+ years of " in good standing '' items, and also XXXX loans that were in the negative. They sent me a report stating that they fixed the problem. They did not. They deleted all of my " in good standing '' items, and nothing else. The following day, I was able to get through over the phone, and explained the situation. They apologized and reassured me it would be resolved immediately. The next report I received had no changes made whatsoever and my good credit still deleted. They claim I had placed a fraud alert on my file with XXXX of the other agencies, and this is simply not true. I called them again, and was placed on hold 11 times waiting for a supervisor, that never answered, so they told me all I could do was leave a message each time, and so I did. I never received a call back. They did send me a XXXX page letter stating that It was my fault, and to see the attached report to answer my questions. There is nothing on the report. I have done everything I know to try to get this resolved, and they have continued to make matters worse each time. If you read through the documents I have provided, you 'll see that no due diligence on their part has been exercised. They have created more problems for me than the people who stole my identity, and they need to be held accountable. Otherwise, they 'll continue to blame me for their mistakes, or intentions as it seems, while I continue to suffer from them. Attached you WILL find a copy of my police report, and the letters that have been mailed. Finally, I do n't know who would request them to delete all of their " in good standings '' and ruin their own credit, but Experian is accusing me of gaining from it, and that I agreed in writing that the information was blocked in error, that I had knowingly obtained possession of goods, services, or money 's as a result of their blocking my good information, and that the block was based on a material misrepresentation. I assure you, I am not benefiting anything from having to deal with this ignorance, and yet they determine what goes on my credit report, and refuse to take anything off that is not mine. No conspiracy there, it 's just an inept malice that is somehow tolerated. While they play games with my life, I get wait on hold for noone.
IC System is reporting on my credit reports an amount of {$510.00} they have refused to provide documentation of validation and/or verification of this amount following two written requests.
Fair Credit Reporting Act requirement is for the credit reporting agency within 30 days of a dispute or remove an time. Equifax did not respond within 30 days. 

The letter I mailed along with a copy of my social security card in which I attached to my letter to Equifax are attached.
American Express routinely bombards me with phone calls with offers, such as " free '' hotel stays. They are NEVER free. I told XXXX to stop the calls, and yet they persist. More recently, they called telling me, that because I was a " good customer, '' they were awarding me XXXX bonus points. The call came from a person with a heavy accent. When I asked where she was calling me, the line was disconnected. American Express refuses to stop these calls and refuses to live up to any of its promised promotions. I already have canceled some of my accounts with American Express and in the coming months, will cancel the rest. But I know that means nothing to such a huge company. They need to be made to held to account for such shameful -- and fraudful ( is that a word? ) marketing.