WillisBack/dataset-financial-user-claim huggingface dataset:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. EXPERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? EXPERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX XXXX ( XXXX XXXX A XXXX & XXXX XXXX XXXX XXXX XXXX Furthermore Experian have failed to provide the method of verification as required under XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that under Section XXXX XXXX of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Also there is a account that was removed but put back on my credit report under a different account number i also want it removed again for good this time. Enclose are proof of the violation.
I received a promotional offer in the mail. The offer was for an APR 16.99 % after 12 months of 0 % interest. I applied for the card online and the application was approved, but the APR changed to 24.85 %. I contacted the company directly and spent an hour and a half trying to get to the right person that could help me. Unfortunately, no was able to help me and told me they cant change the interest rate. They also made the statement that they didnt see any promotional offer entered on the application. 

I informed them that I entered the promotional code XXXX that was on the paperwork they advertised to me. They said they couldnt do anything to help me. They also informed me that I dont have to keep the card. At this time my credit has been affected by their inquiry and will effect further applications and percentage rates. Due to the consequences I feel Citi is liable to deliver what they have advertised. Otherwise this should be considered a case of bait and switch.
Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.
Today I received in the XXXX Mail a credit report from " Experian '' dated " XXXX XXXX, 2015. '' On " XXXX XXXX of XXXX '' under the " Addresses '' section it falsely states that I live at " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ; XXXX, MN ; XXXX. '' I have worked for the State of California for over 27 consecutive years now and live in XXXX, California. I have never visited " XXXX '' let alone ever lived there. Once again, I am the victim of ongoing " Identity Theft. '' I called up " Experian '' and they refused to " delete '' this false address.
XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!
When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. 

To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX  who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. 
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.
This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
I have been receiving repeated calls by  Portfolio Recovery  since   XXXX   XXXX    2017 a t  XXXX . This company reported an account from   XXXX   XXXX    XXXX   XXXX   on   XXXX   XXXX    2017 in the am ount of {$1700.00}. This collection agency is in violation of FDCP A 809 ( a )  for not providing a collection notice within 5 days after initial communication. This was not done 5 days after the initial call, nor 5 days after reporting it to the  Credit  reporting agencies.
Edited letter to Equifax, XXXX. XXXX XXXX, XX/XX/XXXX, to avoid providing personal information Dear Sirs, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake adding a suffix ( Sr. ) to my name. I have never used, and have no reason to use Sr., as I have NO MALE children! 

In addition, you compound your mistakes in you latest communication. Let me explain. 
In addition to the Sr-suffix, you had my former employer as XXXX XXXX  XXXX. I pointed your mistake in my previous letter. My previous employer is The XXXX XXXX XXXX XXXX. Furthermore, under previous addresses the XXXX XXXX XXXX was in XXXX Ohio, not XXXX, as you mistakenly wrote. 

The confirmation # XXXX says you have deleted from the credit file XXXX, XXXX XXXX XXXX, Date employed : XX/XX/XXXX Date employed XX/XX/XXXX The information about my former employer should not be deleted, instead, it should read : XXXX, XXXX XXXX XXXX XXXX XXXX, Date employed : XX/XX/XXXX. The only information that should be deleted is the XXXX XXXX XXXX if you can not correctly identify XXXX Ohio, instead of the wrong XXXX!!!!! 

I enclosed copies of Passport, driver license and social security card in my previous letter to you. As you can see from the driver license, Passport, and Social Security card my name does not have the suffix Sr. 

I am totally fed-up with your organization. Would you forward my file to a supervisor? I can not continue sending letters and documentation in a fools-errand hope for resolution that never materializes in spite of months of effort and countless hours of writing. I would appreciate a supervisor contacting me personally to clarify any questions you may have prior to issuing another wrong resolution confirmation.
I joined XXXX XXXX around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Transunion credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all three credit resort which hant been done. I payed this item in full on XX/XX/2015.
Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.
I sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
I received a certified letter from Pennymac Loan Service informing me that my escrow account was short and that my payment would increase from XXXX a month to XXXX a month. The contract I signed indicated a payment of XXXX at a fixed rate. The only reason I bought a house is too ensure that I have a fixed payment so that I can budget for it. If Pennymac ca n't do proper accounting, then they should try another line of work. I have no intention of changing my monthly payment. They will need to make an adjustment on their end that does n't effect the monthly amount that I agreed to. How do we allow the same criminals that cost me a house in 2009 to open doors under a new name?
To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. 

I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. 
The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. 

Sincerely, XXXX XXXX
In 2014 United Auto Credit repossessed a XXXX XXXX XXXX from me. I was never sent a proper and timely notice of right to cure under laws afforded under the State of Colorado, UCC 9.506 and State RISA and MVISA statutes regarding claimed deficiency. I have requested copies of legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle, but they have not been provided. I have contacted all major credit reporting bureaus and have been informed that United Auto Credit has validated that this is a legal debt, however upon request, NO information regarding the legal transactions of Right to Cure or certified proof of resale could be given. My legal rights afforded under the Colorado Revised Statutes and the FDCPA and FCRA have been greatly violated.
I was enrolled in autopay to lower my monthly payment when in XX/XX/2015 my loan went from $ XXXX/month to {$750.00} and almost over drafted my account. I worked for weeks to get my payment to a steady $ XXXX/month over the next 20 years. Since then my monthly payments have increased incrementally and I now pay {$480.00}, of which {$100.00} in just in added interest - none towards my actual loan repayment. I can not afford this nor will my loan be paid off in a more timely fashion. When I asked about lowering my monthly rate I am told there is nothing I can do. They told me there are no income based options for private loans.
Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report
I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
This is being sent in response to notices sent to me from " XXXX XXXX '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX/XXXX  as an entity entitled to enforce a commercial claim against me.
Five years ago I went to Wells Fargo to get a CD for {$5000.00} for five years for 1/2 % interest. Last week was the five-year maturity date, I went to the bank to cash it out and was told that Wells Fargo gave me the wrong product five years ago. I did n't know this at the time, that the product I was given was not the product I asked for. The manager explained that usually when people come in and ask for a CD, it 's because their accountant told them to get a retirement account. Wells Fargo thought that 's what I was asking for. Five years ago, the Wells Fargo banker was n't listening to me and gave me the wrong product? I do n't have enough knowledge to know it was the wrong product. I ask for a {$5000.00} cd at 1/2 % interest for five years and Wells Fargo gives me the paperwork to sign, which I do, not understanding the difference between what I asked for and a retirement CD. 

This morning a manager from Wells Fargo Branch in XXXX XXXX, CA on XXXX and XXXX XXXX XXXX. ( where this deal originated ) to let me know that because I signed their paperwork, there is nothing they can do to remedy this situation. So Wells Fargo got my {$5000.00} for five years and I 'm told that not only will I not get the $ XXXX interest I thought I earned, but I will be penalized for taking the money out " early '' when I turn XXXX years old in XXXX ( have to wait until XXXX or I 'll be penalized even more! ) I will get less than my initial {$5000.00}, because 11 % will be deducted to pay state and federal taxes or fees or whatever you want to call my hard earned money that I get to give away. Wells Fargo benefits from keeping my money for five years without having to pay me anything and the government gets their fees, and I get to pay both of them for my trouble. 

These too big to fail banks are getting away with too much, they need to be broken up. Why is it that they can launder drug money ( Wells Fargo bought Wachovia ), crash the economy in 2008 by selling loans to people who could n't repay them, take billions in taxpayer money to recoup their losses, pay lobbyists to weaken the new legislation trying to rein them in, and steal money from people like me who have no leverage make them to do what is right and correct their mistakes - with no negative consequences for the banks? 

I used to work as a XXXX. When my clients were about to sign disclosures and contracts, I sat down with them and reviewed each paragraph to make sure they understood what they were signing, I had a fiduciary responsibility to do so and I took that responsibility very seriously. Wells Fargo should have taken the time to review with me what I was signing to make sure I was getting what I asked for. I hope you can help me. Thank you. PS : I 'm voting for XXXX XXXX because he 'll work to break up these banks, they are doing so much harm to all us and our economy.
continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.