WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Equifax on XX/XX/XXXX to inquire on why they hadnt updated my credit scores since XX/XX/XXXX for 2 of my credit cards and XX/XX/XXXX on the other 2 of my credit cards only to be told that their system was down. I contacted them again on XX/XX/XXXX and informed them of the above issue, only to be told that the 3 credit card companies for my 4 credit cards had not updated the balances. ( I advised the agent that this is not an issue with the XXXX XXXX company and that I believed the issue was with Equifax. The agent that entered the dispute was XXXX id number XXXX the dispute confirmation number XXXX. She advised that it could take up to 30 days. She asked for all 4 of my credit card balances which I provided. Then I get a credit alert on that shows that the update had been made on XX/XX/XXXX but ALL of the balances are the exact same from what was reported back in XX/XX/XXXX and XX/XX/XXXX. I am in the process of purchasing a home and the Equifax credit score is the lowest because they haven't reported in 5 months please provide some assistance.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
After 9 years of consecutive payments, I am still unable to get my co-signer released from the terms of the loan I was approved for to attend XXXX, as well as not qualifying for any income based repayment, loan forgiveness plans, or any benefits that are provided to federal student loans ... although my loan is owned by Wells Fargo- a major banking institution.
I have recieved a letter from XXXX. In this letter they claim that Providian bank is the creditor as well as XXXX XXXX. This is FALSE. Providian was sold in XX/XX/XXXX to Washington Mutual inc which continued to run it as wholly owned subsidiary. Class action suits began in XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. In XXXX, Washington Mutual was seized by the federal government and then sold to J.P.Morgan Chase. I have spoken with a Chase executive named XXXX XXXX ext. XXXX. She assured me that Chase does not collect on accounts that are as old as this. So, with that said, XXXX and XXXX are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. Chase bought up the bank that bought Providian. They do not have Chase 's permission to try and collect this debt, I have spoken with a Chase executive They list Providian as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
Regions bank is breaking the law. My house was damaged by hurricane IRMA in XXXX. 

Since Florida has been declared a federal disaster area, which means, by law I can get a forbearance payment on my FHA mortgage. 

When I contacted regions in XX/XX/XXXX about my repair cost due to hurricane IRMA preventing me to be able to pay on time they offered a repayment plan not a forbearance plan.

The repayment plan is that I only skip one month of payments and then pay extra payments every month for 4 months until the loan is current. Thats not a practical solution. And I requested a different strategy and was denied.

And not only that they never mentioned to me that not making the one month payment would be reported to credit agencies and a missed delinquent payment.
My name is XXXX XXXX. File # XXXX. I received a letter in the mail dated XXXX XXXX, 2017 regarding a balance owed XXXX XXXX XXXX in the amount of {$600.00}. I previously spoke to XXXX on XXXX XXXX, 2017 and advised that I had secured insurance coverage with another carrier prior to XXXX XXXX cancelling my policy. XXXX then advised me to send proof that I had insurance with another carrier. On XX/XX/XXXX, I emailed a copy of my declarations page to : XXXX. They continue to send me bills about paying this debt. I had insurance coverage for the period they are advising I owe. I advised the debt collector that it is illegal to insure one vehicle and property with multiple insurance carriers, but to no avail.
In 2005, we took out what we thought was a loan from the XXXX. XXXX heating and air conditioning company for a new furnace, air conditioner and ventilation system for our house and new addition to the house. This loan was serviced by Well Fargo Financial National bank. My husband got sick and our financial situation changed as it did for so many other families. The XXXX year of the loan, I paid the interest. As our financial situation changed it became difficult to make payments. I called the company to ask for a balance liquidation, but was only offered a " re-age '' program to get current. Some of the employees at the bank were unwilling to help and spoke to me in a condescending manner as evidenced by their recordings. I have since paid the debt, but was never sure if it was a loan or a credit card. The original amount of the loan was for {$10000.00} and I was charged an interest rate of 17.90 % with a monthly payment of {$290.00}. If it was a loan then the interest should have been included in the monthly payment and if it was a credit card, then the monthly payment should have decreased. I was constantly charged the interest and the monthly payment remained the same for the duration of the loan. I would like the return of the interest money and late fees in addition the correction on my credit report as " paid in full in good standing ''.
I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.
reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
Hello, I have a mortgage with Bank of America. My loan number is XXXX. I received a property tax bill from XXXX county. My property tax has been decreased significantly. I requested to lower the monthly mortgage payment accordingly. Bank of America instructed me to fax the county tax bill which I already did, but I never heard from Bank of Amerca.
The consumer reporting agencies, XXXX, XXXX and Transunion must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back toXX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XXXX and XXXX ; and the one public record listed on Transunion. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.
I opened a charge account with XXXX XXXX XX/XX/XXXX, I was approve for {$1000.00}, I have never used this account at all. The account was closed/transferred/sold on XX/XX/XXXX which dropped my credit score. I just got a alert today XX/XX/XXXX stating that my Equifax credit score dropped another 16 points due this same account being acquired from another lender. The company name is XXXX XXXX / XXXX XXXX. It is no fault of mine that this company 's accounts has been acquired, Again I have never used this account so my score should not be affected.
On Tuesday XX/XX/2018 the bank assessed a XXXX dollar ( {$36.00} ) 'overdraft paid ' fee. Apparently, the fee was resultant from a temporary hold or authorization pending on the account. The two transactions, in question, ( {$50.00} and {$120.00} ; respectively ) did not actually post to or debit from my account and using the banks own terminology never once moved from the temporary authorization pending to completed categories and has since 'dropped ' off the account completely, as expected. 
I would argue that the account balance was at no time placed into a negative balance based on the transaction type, by design, being transitory. It's my contention that the bank intentionally delays settlement of transactions, of this type, in an effort to maximize the opportunity and occurrence of these contrived, disingenuous fees ; under the guise of revenue generation. 
It's clear to me that charging this fee is a deceptive practice and an attempt to collect rent seeking revenues from its customers. In so doing, this deceptive practice, causes financial harm to its account holders.
I have an XXXX store card account that was open in 2014. I have always had an excellent credit status with this line of credit paying my bill on time ever since I have had this account. Now I attempted to use the account to purchase and it was denied. when I contacted Syncrony Bank I was informed that the account was closed with my knowing. and they said the reason was because they checked my recent credit report without my permission and felt that I wasnt credit worthy anymore. I feel this was discrimination.please help.
Received a notice, dated XX/XX/XXXX and received XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX claiming we owed a XXXX debt of {$140.00}. It should be noted that we have not had a XXXX account in nearly two years and that account was in both of our names, not only my husband 's. Our previous account was closed in XX/XX/XXXX, paid in full and all equipment returned to the company. I wrote a letter to Convergent on XX/XX/XXXX disputing the debt/claim and requesting written verification of the alleged debt. Received an undated letter in return with several XXXX/XXXX   statements, all addressed to a person with the same first & last names as my husband, at an address in XXXX, XXXX. I called Convergent to advise that in the past 28 years my husband has lived only in XXXX & XXXX and never has lived in XXXX. After numerous phone call attempts over several days and including numerous " disconnects '' I finally got in touch with an employee, XXXX XXXX, who advised my only remedy was to file an identity fraud claim with the FTC and would not cancel the claim against my husband. I checked a couple of credit reporting agency reports and have found that my husband 's reports include a listing of all of our residences in XXXX & XXXX   and several addresses in XXXX where we/he have never lived. We also found that numerous credit checks have been run by companies with which we do not do business apparently by the other person with the same/similar name in an attempt to obtain credit. Clearly ( to us at least ) there is at least one other person in the country with the same first and last name.
The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.
Comments Complaint of Wrongful and illegal Foreclosure I XXXX XXXX need your help, in finalizing my loan modification that 's has been approved by bank of America Home Loans ; however the Bank of American attorney has repeatedly tried to sell my property out from under me through Sheriff Sale Auction even though I was approved for modification on or around XXXX/XXXX/2016. 
I'am concerned that the judge and magistrate in the XXXX XXXX XXXX XXXX Court Case # XXXX is showing favoritism towards the attorneys for bank of America and continuously have not answered or addressed any of my motions which I have attached to this cover letter. I am currently still working with my relationship manager at bank of America XXXX XXXX to get this matter resolved but she seems to go back and forth concerning the approval of my loan medications My Relationship said she spoke with the bank of America attorney to hault the sale but she stated the attorney moved forward anyway. 

I XXXX XXXX really need your help and assistance to keep and redeem my property from for closer, please see my motions I filed with the court attached to support my case. Thankyou for your consideration in this important matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX Ph XXXX XXXX XXXX
A local auto dealership sold my daughter a truck this last spring that she can not afford. The basis of my complaint is the dealership stated my daughters annual income was more than twice of what her actual income is. The lender has taken the position this loan is a no income verification loan so the responsibility falls solely on the shoulders of my daughter. In addition, the lender stated since my daughter signed the credit application that listed her income with the inflated amount she is responsible not the dealership. My daughter trusted the closing dealership finance manager and signed this document blank. My daughter provided income detail in the form of previous two months bank statements revealing her true income. 
The finance manager justified the monthly payment amount is affordable by saying " if the lender approved it you can afford it ''. 
The lender is XXXX and they have chosen to assign total responsibility to my daughter and not the dealrship. 
Please help!!
These people whoni have no contract with continue to call and They have failed to produce the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
In XX/XX/XXXX XXXX XXXX XXXX sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use Wells Fargo Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use XXXX XXXX XXXX 's automatic payment services, but each time it has rejected my checking account from Wells Fargo. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else screws up and I have to pay for it?
My Name is XXXX XXXX XXXX and I'm the daughter of XXXX and XXXX XXXX. In the XX/XX/XXXX my family bought their first home with the home loan coming from Bank of America. Fast forward to the XX/XX/XXXX my Father XXXX XXXX was XXXX and tried in a XXXX XXXX and later XXXX to XXXX XXXX for a XXXX XXXX XXXX. My mother since has suffered two minor XXXX XXXX, diagnosed with XXXX XXXXXXXX XXXX, and has had XXXX XXXX placed into the XXXX of her XXXX and placed on XXXX XXXX unfortunately unable to work. I submitted a hard ship letter to Bank of America as well as worked on behalf of my parents for the last 4 years with XXXX submitting documents. Documents including paycheck stubs, Tax Forms, Budget forms, as well as entering into a re-modification program. We were indeed approved for the re-modification loan. We were approved for a trial mortgage and began moving forward. During the duration of the trial period all accounts of required funds were met and on time via cashiers check through the U.S. postal service. The last requirement needed from us was the signature of my father to reinstate the mortgage permanently. My father did not sign the documents but my mother was able to sign the last document. The bank told me moving forward not to send any more money and that the process would not move forward. the sale date of my family 's home is a week away. I am able to pay the mortgage and save it from foreclosure since working tirelessly through this re-modification process and for the past 4 years. from the age of XXXX. I writing this complaint as my last front for assistance and guidance in this matter. Thank you.
I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX
I am a XXXX and an authorized XXXX party negotiating a short sale for an XXXX Military couple who received orders to XXXX and had to leave their home in XXXX. Citi has been extremely hard to deal with -- setting up phone appointments with me to discuss the file and then never calling me, not responding to my emails to confirm receipt of documents or for status updates, etc. On XXXX XXXX, I was told by the person assigned to the account -- XXXX XXXX, that the appraisal had been ordered and that the title report had been ordered and once those documents were in that the file would go to the next phase and actually be assigned to a negotiator. I met with the appraiser and he told me he would have his appraisal turned in within just a couple of days. It is a VA appraisal, so it gets loaded up on to the VA portal. I kept checking with Citi and they kept telling me they did not have it in the file and they would have to wait XXXX days from the date that it was ordered to try to track it down. I called the appraiser directly. He told me he uploaded the appraisal on the VA portal on XXXX XXXX. I called Citi and told them where they could go find it and they claimed they did n't have access to the VA portal to go get it. They are a VA lender, so I am not sure how that is possible. I asked to be transferred to a supervisor on XXXX XXXX. I was told by that supervisor that they would try to track it down. XXXX business days went by and I called to check on it again. Still not in the file. Asked for a supervisor again. Was transferred to XXXX. She told me they could not just go in there and get it. I argued with her and told her to talk to someone in their mortgage department because VA appraisals stay in the system for XXXX year. She put me on hold, came back on, and told me she had received instructions on how to go get it. She said she should have it resolved by the end of the day. I told her to email me when she did so I knew for sure. XXXX days later I called and it still was not in the file. Asked for a supervisor again. Got transferred to XXXX. She also told me there was nothing they could do to go get the appraisal. Put me on hold for a really long time and came back on and said she was going to try to submit the complaint to their escalation department and I should wait to hear back from them. We ca n't afford to wait anymore on this. The seller 's in XXXX are paying out on this house in the United States and their home they are renting in XXXX. Our buyer 's on the home have waited over 60 days for Citi to respond to their offer, but Citi ca n't seem to get their paperwork straight. Also on XXXX XXXX told me that the title report was being reordered because it showed a note in the system that it was ordered, but she could not tell if the order had ever actually happened. Military members should not have to deal with this kind of disorganization when trying to settle their affairs that resulted from being given orders to a different country. 
Please help.