WillisBack/dataset-financial-user-claim huggingface dataset:
I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate.
This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********
XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. 

I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX  XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.
fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given.
I'm filing this complaint because XXXX, Equifax and XXXX  refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my XXXX  report and there are 4 on XXXX  and 4 on Equifax. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. XXXX, Equifax and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that XXXX, Equifax and XXXX  verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
The mortgage company did an escrow analysis in XXXX of 2015 on my mortgage and raised my escrow requirement. They did not notify us that they had changed the amount due for escrow in XXXX of 2015. We continued to send the original amount for the loan. the mortgage company would not process the payment because to them it did not meet the required amount. We discovered in XXXX 2015 that they were not covering the payments. We immediately contacted the company and they informed us that they had changed the escrow and the we were considered behind in our payments. We made up the differences in the account and thought we were good. They then sent an inspection on the house and charged us {$20.00} for that without notifying us that they did the inspection. We ended up paying them by check over the phone just to make sure the entire payment was caught up. It seems like they should not be raising the escrow anyway. We have owned the house for over 27 years and have not missed a payment. Now they have hurt my credit and caused us anxiety over their inability to communicate and their requirement for escrow above what is required for our home.
I am contacting you to report ASC/Wells Fargo Mortgage company, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for fraudulant consumer business practices. I have applied for a home modification with ASC/Wells Fargo Mortgage bank, ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who is being represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 through my attorney XXXX XXXX XXXX. I was working with XXXX at the law firm who spoke with a representative from ASC ( our mortgage company for Wells Fargo/XXXX, XXXX XXXX Asst etc. ) on XXXX XXXX and confirmed the documents she sent in as well as had me to send in an additional document confirming my wifes income and that the income in its entirety goes toward our monthly financial income, which was also confirmed. My home is scheduled for foreclosure on XXXX XXXX, 2016 and my efforts where in a direct attempt to modify my mortgage payment and prevent the foreclosure sale and keep my home. From XXXX XXXX to date ( XXXX XXXX ) ASC ( Wells Fargo etc. ) has made NO effort to review my home modification information and every time I contact them for answers I am given the run around by each representative. I received XXXX written document from ASC with my loan preservation specialist information of whom I have contacted but she has not responded to me. I called the lawfirm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to see if the mortgage company had contacted them regarding my modification paperwork and placed a hold on the foreclosure date and unfortunately they had not. I called the mortgage company today ( XXXX XXXX, 2016 ) and spoke with a representative from ASC and again was told a manager would contact me to discuss my issue and complaint for the lack of communication and review of my modification but again no return call has been made which is their usual practice. I was also told they reviewed our information on the XXXX XXXX, 2016 and unfortunately because of the time it was reviewed by ASC they where not able to assist us because it was in the 7 day window. This is unacceptable and totally a lack of work ethic on ASC 's part. They are required by law to review my case in the time it was sent in and to do due diligence regarding my modification application, yet there has been slack and no real effort on their part to do so. I understand my rights as a consumer and I am asking you to please contact ASC/Wells Fargo Bank etc regarding this wrongful and unlawful activity. My house is still scheduled for foreclosure tommorow XXXX XXXX, 2016 and it is because of negligence and poor business practices from ASC. I and my attorney presented the necessary documents and followed up but where not contacted back or provided any information regarding the case. I am outraged! I have a wife and a baby daughter and have made every attempt to keep my home according to the options that are available to me. I was told filing a complaint against the mortgage company would be a good effort to possibly bring about a fair resolution and that is exactly what I am doing. Please help me keep my home.
I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?
I went to bank of America to cancel all accounts including my credit card account. My credit card was never cancelled and was charged without my knowledge. I am buying a house and checked my credit report to find I have a delinquency on a bank of America credit card that was supposed to be cancelled. I have contacted Bank of America and they have not been able to clear the charge from my card nor have they been able to remove the delinquency from my credit report. I have been transferred to 5 or more different people while on the phone with bank of America while requesting the card to be cancelled and charge to be removed and delinquency to be removed from the credit Report. I have never missed a payment in my life and have had a very high credit score until this incident. I am currently on the phone with them for 1 hour and 15 minutes.
THIS IS A FRAUDULENT ACCOUNT I.C. SYSTEMS IVE FILED A POLICE REPORT
My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! 
This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. 
They lied to me. My score is down. Lender will punish me with higher rate and worse terms.
I have had my identity stolen. The Experian dispute processing is not consumer friendly. You can not dispute online, ( as soon as you select " identity theft '' as the cause for your dispute, the system prevents you from submitting and demands you call their XXXX number ). Once you call the listed XXXX number, there are NO options to talk to someone or report identity theft. It directs you BACK to the website. 

I had to submit the dispute as a 'regular ' dispute and indicate identity theft in the comments and provided supporting documents. The dispute result took only XXXX hours, and they declined to acknowledge the dispute as valid, and the fraudulent activity remains on my credit report. 

I have had the SAME issue with XXXX, but the results took longer than XXXX hours. XXXX is the ONLY bureau to actually assist me, and the only bureau to have human customer service agents on their XXXX numbers.
1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.
i do not know what i " owe '' but the name is XXXX XXXX. and i lived there in Missouri in XX/XX/XXXX with room mates and i moved out 4 months before they moved out and there shouldn't a debt under my name. the amount is {$270.00}. this needs to be removed immediately. the company does not want to work with me one bit. its unfair i have to be treated wrong by them and still have my credit hurt for the last 3 years. it re opens every now and then and drops my score by 30 points after i try my best to fix it. it just reopened XX/XX/XXXX
I am a XXXX veteran on a limited income. I 've been called multiple times by Navient regarding payment of my loan. I am on a payment program that was set up between Navient and myself. I am getting close to retirement, and will be bringing in less money per month. I have contacted Navient several times regarding forgiveness on this loan, but nothing has been done on their part. Just last week a representative from Navient called my work multiple times during several days, of which we are not allowed to receive personal phone calls on company time. I told them that, and again today I received another phone call not only on my cell phone, but also on my work phone. I told the representative that I had been called last week and told that person that I would be making my payment this coming Friday. He then stated " oh yes, I do see that you spoke with someone from our office. '' over the past several years, I have been trying to make my monthly payments to Navient, but at times do not have the finances to make the payments. I am XXXX years old and still making payments on A loan from many years ago. I am still trying to get Navient to forgive my loan, but so far unsuccessful.
I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank.
I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from XXXX and Experian. I even wrote follow-up letters to XXXX and Experian in late XX/XX/XXXX, but those letters have also gone ignored.
I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.
On XX/XX/XXXX XXXX I applied for a student Loan from a XXXX XXXX XXXX as a cosigner for my son. He is going in his sophomore XX/XX/XXXX. They advertise rates between 5.29 % I presume for very good credit & 12.07 % I guess for not so good credit. After filling out the loan application I was approved but the rate they gave me was ridiculous over 12 %. I knew my credit score was in the top % in the country around XXXX and my income level not bad over {$100000.00}. One outstanding loan car loan of XXXX being paid off currently 2.99 % the best rate you can get from XXXX XXXX. I immediately call College Ave. about the situation and to no avail the salesperson said they could not do anything about it. I asked to talk to the credit decision dept. and they would not connect me. They email to finish my loan bit I would not at 12 %. I then received a letter from them dated on XX/XX/XXXX thanking me for applying. I come to find that my credit score was even high than I thought FICO XXXX. I then called College Ave customer service and explain the situation again they finally connected me to a supervisor who told it was because my XXXX XXXX son did not have a long enough credit history. I told her that was the purpose of me being a cosigner. I am on the hook for the money not him. Anyway it did not end well. I also ask what is the criteria for the best interest rate? She could not answer. I believe that I was treated very unfairly and they falsely advertise low rates.
I told this company the debt is my sister they sent a electronic signature sayin i signed it i want a written signature and pictures of me at this place i never lived in Connecticut only lived in XXXX XXXX   and XXXX no where else im a XXXX XXXX XXXX XXXX XXXX