WillisBack/dataset-financial-user-claim huggingface dataset:
I did an authorized short-sale XX/XX/XXXX with the 1st and 2nd lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Bank of America ( BofA ), the 2nd lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. BofA of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, BofA reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Bof A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. BofA failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
I accidentally used the wrong wire information for an outgoing wire for {$5900.00} FROM Coinbase TO my XXXX account. Sent on XX/XX/XXXX, reference number XXXX Please pull back that wire. I tried asking Coinbase several times already. Thank you!
I have been receiving numerous calls daily about a debt owed by someone with my last name. I do not owe this debt. I have asked them repeatedly to stop, but they won't. They leave messages on my phone telling me that " I better take care of this debt ''. They imply that dire consequents will happen if I don't. These call have been going on for months. The last call was on XXXX XXXX. Some days I would receive more than one call. I know that these calls are coming from XXXX XXXX XXXX XXXX  in North Carolina. I also know that this law office has a " D '' rating with the XXXX. The calls come up on my answering machine with my local XXXX area code. Obviously, this is a trick to encourage me to answer the phone. I want to take action to get them to stop ; legal action if necessary.
I am filing this complaint against Trans Union. My written dispute was received by Trans Union on XXXX XXXX, 2016. Trans Union did not perform an investigation. The credit report was a regular credit report ; not the annual credit report. Since it was a regular credit report according to the Fair Credit Reporting Act, Trans Union had 30 days from date they received my written dispute to conduct their investigation. Today is XXXX XXXX, 2016. Trans Union clearly has violated the Fair Credit Reporting Act. Items that can not be verified within the 30 day period must be removed from my credit report. Please make Trans Union remove these unverified items listed below. Trans Union is and has violated the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I have wrote Trans Union more than 5 times, with proof showing them I have never lived in TX. That this address was used when my identity was comprised, but they will not remove this address. 

Please help me.
On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.
I have XXXX private student loans with chase - all from the same type of loan program. All of the loans have completely different interest rates and I feel that chase is choosing the loans with the highest balance and associating it with the highest interest rate. this is not a fair practice as I am actively and unsuccessfully able to make these loan payments. How can a XXXX $ loan bear interest of 10 % while a lower amount loan bears interest of 5.9 %. This is completely and utterly ridiculous and making it impossible to get out from under this debt. I am again, desperately asking for some type of loan modification to bring these loans to a status that myself and cosigner can successfully pay. This practice of charging extremely high interest rates to customers is a awful business practice and needs to be investigated. Chase has been willing to temporarily reduce my payments - when the payments return to the full amount there will be a XXXX % default on my end as it is IMPOSSIBLE to pay the amount asked. Again, I plea that we can come to some type of agreement to modify loan terms or some type of forgiveness because the direction we are headed is not goign to turn out well for either parties as I desperately want to pay these loans back. If anything these rates should be lowered and chase should be investigated for predatory practices as no one my age and with my salary would ever be able to pay these loans. The loans were given without school certification.
After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.
XXXX. dropped " legal '' papers off at my place of employment when I was not present. They left the papers with the manager on duty. The papers were not even in any kind of envelope or sealed in any way. Open to the public. My information was displayed out in the open with my social security number and other personal information. I felt deeply embarrassed. This is illegal as this debt is over 10 years old. The judgement was entered on XX/XX/2007. They have been harassing me with phone calls for years on end. They have been relentless in pursing a debt that can no longer be legally collected. The " legal '' papers they left have no merit. They were not even stamped by the court ; nor were they signed by any attorney. I work as a waitress in a restaurant for a minimum wage and salary. I also have over {$100000.00}. in student loan debt. And like many Americans I am having difficulty paying it back.
on XX/XX/XXXXOCWEN FOTCED PLACED INSURANCE WITH XXXX AND XXXX XXXX XXXX XXXX WITH INFERIOR HAZARD COVERAGE ONLY, HAD A CLAIM WHICH WAS NOT COVERED AND TOOK A LOSS AND WAS NEVER RE-FUNDED, ON XX/XX/XXXX WE FILED CHAPTER XXXX CASE XXXX ADDING ALL 3 PARTIES TO OUR DEBTORS LIST AND NOW OWN US {$320000.00} IN DAMAGES PER TRUSTEE ON XX/XX/XXXX. XXXX XXXX XXXX OWES FOR POLICY XXXX XXXX, FOR LIMITS OF LIABILTY. 

THERE HAS BE SEVERAL CLASS ACTIONS OVER THE YEARS AND NEVER GOT ANYTHING.
I have noticed in the past that there were ( 2 ) small student loans ( dated Open :  XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
This has become an on-going practice for XXXX, XXXX XXXX XXXX to aggressively and excessively collect a debt that has been " paid in full '' according to the original principal amount of {$5000.00}. Again, this law firm is seeking to take advantage of a consumer. I've paid through garnishments the amount of {$9900.00} which is 194.5 % of original debt. I've also requested the law firm to forward me their payment records of this debt with zero success. XXXX had written off debt years ago. This law firm is acting in bad faith and needs to be reported to the attorney gerneral office of Colorado, which I will pursue.
Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.
I wired {$37000.00} to my account at XXXX ( Coinbase ) on XXXX/XXXX/XXXX. The fund was confirmed and received by their bank, XXXX XXXX, on XXXX/XXXX/XXXX. However, it still has not been posted to my account as of today, XXXX XXXX, XXXX. Many inquires into their support channels produced no real responses. Case detail is as follow : Amount {$37000.00} XXXX : XXXX Account ID : XXXXXXXXXXXX
This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )
On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX
The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to American express on the XXXX of XXXX, 2017.  The next day, on the XXXX, of XXXX 2017, XXXX XXXX , XXXX. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
I have submitted disputes with XXXX, XXXX, and experian about balances and incorrect reporting of student loans and also student loans that do not have contracts. Experian and XXXX has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX  investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from XXXX  and experian as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint
Regarding the recent Equifax data breach. 

This company allowed enough data to be stolen to steal the identity of most, if not all, working Americans, myself included. I had no choice but to give them my information in order to use a bank, or a credit card, or take out a loan, and live a normal life. Now, because they could n't bother to protect our extremely important data, and worse, failed to alert us in a timely fashion ( they knew about this for at least a month ). My identity could already be compromised and I did n't even know. 

And it gets worse. Equifax tried to XXXX us yet again by saying that by even checking if you were affected would remove your ability to sue. Though that has been removed there is still a ton of confusion about it and it 's pretty obvious they could n't care less about this. They then push their worthless credit monitoring for a fee ( it should be free at the very least for those affected, not that it 's worth having ), which still has the language in their agreement about giving up your right to sue. 

Even worse than that, if you can believe it, it that their PIN generated to freeze your account is simply the timestamp of the freeze. That 's totally secure, no way anyone could figure that out. And it 's still worse ; the information needed to unfreeze your account is the information that was leaked, so freezing the account is n't any protection, it 's just one more step someone needs to do to steal our identities. Literally totally worthless. Who thinks of this stuff? This is n't just laziness, this is intentional malice to XXXX us. It 's just too ridiculous to think anyone is THAT incompetent. 

This is so far beyond acceptable. This scummy company needs to be held accountable for their abuse of their power over Americans, and is merely the last thing in a long line of unacceptable behavior by these financial institutions. We need some seriously heavy federal regulations to keep them in check, if not absorb them into the government. The people in charge need to be investigated, especially with the information of the stock sales around the same time, as there is likely illegal actions there. 

Hopefully you can help protect our rights and provide some real assistance to those whose lives might be destroyed by this horrendous lack of judgement.
CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.
on XX/XX/2018 the vehicle was totaled. chase was made aware the very next day. chase not only applied late fees to the account while waiting for the insurance payoff check, they waited almost a month before depositing it. chase also claimed they would get the gap insurance started ( XX/XX/XXXX ) when i called the gap insurance in XX/XX/XXXX, they had not even reported the vehicle was totaled. gap insurance was swift in its payoff amount and chase again held the check for almost 3 weeks and started applying late fees. when i confronted chase about it, they reversed all the late fees. after chase finally deposited the gap check, they reversed their reversal of all the late fees and started adding random fees titled " late '' making my last payment of XXXX go to almost 300 . chase also said they would not put anything negative on my credit report and again they lied and put that my final payment was after the 30 day mark even though it was paid, recorded with my lawyer present at the beginning of XX/XX/XXXX.
I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.
I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.
I have lived at the same address for 19 years. There are XXXX more addresses listed which i have never seen before. I have never lived in the XXXX area or suburbs. Someone seems to be using my name and/or soc to open XXXX and XXXX accounts again. I went through this same thing about 5 years back and it seems to have resurfaced somehow. I need to clear this up and need some guidance.
On XXXX/XXXX/XXXX I attempted to link my XXXX account to my checking, and Capital One refused to allow me to do so.
Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the " rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? Please help me!