WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX XXXX credit card company is blocking me from accessing and using my personal financial information with external applications such as XXXX and XXXX. This is my personal financial data and I have a right to Grant access to it to these applications or anyone I wish. XXXX XXXX XXXX just needs to provide a way to do so.
I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.
Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.
I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.
I submitted multiple payments to SpeedyCash for a payday loan. They still reported to my credit bureau an outstanding balance.
I received a call claiming they were a debt collector and I owed a debt of some kind. They never provided a name, specifically who sent them, or what it was for ( they left a voicemail ). I called back and they asked for somebody completely different than myself and somebody who I do not know. Also, a XXXX search of the number pulls up that they are a " spam robo call ''.
XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
On  XXXX   XXXX ,  XXXX  received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is  the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS  on  XXXX   XXXX ,  2017 .     S ince, ACS has no t posted the payment. They said it  could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business  days, I asked a customer service representative if they could contact  XXXX  to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at  XXXX  XXXX  XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.
Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be removed.
hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW
Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange
First off, my mortgage company said that I owed {$8000.00} on my XX/XX/XXXX statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on XX/XX/XXXX and cleared the mortgage company on XX/XX/XXXX. In XX/XX/XXXX, I received another bill saying that I still owed an additional XXXX over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that BSI ( loan servicing company ) reported to all three credit bureaus that I was late for my XX/XX/XXXX payment. My broker at XXXX XXXX XXXX got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of XXXX to an average of XXXX and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems. <P/>In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the XX/XX/XXXX or the latest the XX/XX/XXXX of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the XX/XX/XXXX then they charge me at least {$120.00}.
Company stole payments from my checking account then informed me they could n't take them and closed my account which violated that credit contracted signed at the beginning of the arrangment. They state they closed it because my payment was n't with a good account yet the contract states if my payment does n't work I have 180 days to pay my account when it 's in default and instead of fixing my very first payment on an account they lied to me to get, promising me a {$500.00} credit limit even approving me for a {$500.00} limit and only giving me a {$300.00} limit once they sent the card. This is a cheap lying company and I 'm opening a lawsuit against them.
The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.
COMPLAINT AGAINST THE CAR-MART IN XXXX, GA STORE : My payment is {$270.00} per month, we started out with a {$6800.00} bill and our balance is approximately {$2600.00} and CAR-MART continue to harass us each month, making threats of repo on the vehicle to sell. They sent someone to our house last month when we had company in our home and the person refused to leave from in front of our front door demanding that my wife get on the phone, demanding a payment because they claim the payment was 5 days late. He continued to verbally demand my wife get on the phone to make a payment in front of our guests, allowing others to be in ear shot of a collections demand at our front door about my personal business. Now, they claimed our payment was 8 days late and repo our vehicle on XXXX/XXXX/2016. The sad part is my wife make another payment on the vehicle and all of sudden not even 10 minutes later someone was knocking down our front door and repo my truck. I have paid over {$4000.00} on that truck. I feel we are being harassed because the Truck is XXXX paid in full and it would be of profit for Car-mart to steal our vehicle and sell it to someone else. Call me at XXXX. We also faxed a complaint to the XXXX store last month over the violation of our privacy rights in front of guest at our home and this month - XXXX 2016, they repo the vehicle in retaliation of that complaint. My payments are current and I have all the receipts, I have never missed a month payment to Car-mart. Additionally, they pull a bate and switch when I first obtain the vehicle. They stated if we bought them XXXX fans in a promotion that my down payment would be {$500.00} down. However they increased my payment over a 90 day period to {$470.00} per month to get the down payment money back. I did not realize this situation until after the fact and I was forced to pay {$230.00} every two weeks for 3 months for the down payment. Now that I have paid off over XXXX of the vehicle they came and stole the vehicle out of my front yard.
Transunion got my dispute and and almost 30 days later the account was removed from my credit file. The account popped up again and i sent another letter asking them why did they place an account back on my credit file after it was removed and I got a letter back saying that all information is considered accurate and that because of the data breach with their company alot of clients accounts were removed and added back. I then told the rep not without a 5 days notice and she was not understanding me after i told her that. 

Account : XXXX XXXX XXXX Account Number XXXX
Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol.
I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.
Mohela, stated that my direct loans had been transferred to them they are unable to produce a master promissory note and continue to up the balance. First it was XXXX in XX/XX/XXXX then XXXX in XX/XX/XXXX now XXXX.
My complaint today is that I am having issues opening a bank account because there are multiple inquiries showing on my file that have been related to fraud. I have filed a police report and i have also filed an amendment to my police report because this has been an ongoing situation. The only inquiry that should be on my Chex-systems file is with XXXX XXXX XXXX XXXX union which is a valid account that I opened. I am requesting for the other inquiries that are fraudulent to be removed from my chex systems file. The only XXXX reporting should be XXXX XXXX XXXX XXXX union. The fraudulent inquiries showing areXXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE DO NOT CONFUSE THE FRAUDULENT XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX IS VALID AND BELONGS TO ME )
I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.
I submitted an online request to remove the automobile inquires on my credit report. I sent letters to the credit bureau and was told to contact the actual company. One agent stated they would not hurt my credit report which shows it does. I cosigned for a car but only for authorized XXXX XXXX and XXXX XXXX XXXX XXXX since we have accounts their.
The current address, previous addresses, and dates are inconsistent with the information submitted for my background check on XX/XX/2019. Two of the addresses are not mine.
I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Experian in this regard for the past 7 months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted.
My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.
Called around  XXXX  or  XXXX  to do a 70 % settlement
Excessive amounts of past debits on my credit history that are n't mine. I 'm receiving collection attempts via phone and mail for debits that are n't mine ; debits are decade old.
XX/XX/2018 : Certified letter received by Experian, from myself, requesting physical verification of the account listed on my credit report from collector : XXXX XXXX XXXX My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from Experian stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from Experian that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet XXXX  refused to remove them as a negative item included in BKPT the same for Transunion, although Transunion did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information