WillisBack/dataset-financial-user-claim huggingface dataset:
Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!
Dear Sir or Madam : Please post this so that the customers can be warned that the creditors from the credit card industry are dishonest rude unprofessional heathens that are continually adding on all kinds of fees and interest to your balance and charging you for items not purchased on your statement. Number one continually check your statements and beware if your bill is constantly going up every year and never goes down. Also I have been with XXXX Capital One, and XXXX XXXX XXXX, and XXXX and XXXX XXXX since XXXX. My creditors have refused to send me and audited statement from when I first opened the account from XXXX until present, of how many times that I actually used the card and fees and interest added to the account. Then I want to read the numbers and see if my creditors have charged me for cash advance s balance transfers fees etc. The only thing the creditors say is that the account is fine which is a lie from XXXX and send me a few statements from the year XXXX. I am not paying back {$20000.00} dollars.I have called and spoken to staff XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and Mgment from Capital One about the problems of fees and interest with no solutions. 
Do not close down your account unless you want your credit score to go down on your credit report. The creditors will not tell you this information. You can purchase the book called Debt Cures buy XXXX XXXX out of the bookstore for {$10.00} dollars or a little more. How to deal with the corrupt creditors and Debt collectors get out of debt. 
The policies are corrupt and designed to keep you in bondage. I have also filed a number of complaints several times with the Consumer Financial Protection Bureau XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX with no answer. I have filed a complaint with the Better Business Bureau and called a number of times to get my minimum payment lowered. You guys did not respond until I had reported my creditors to the Federal Reserve Consumer help complaint online. This is when the Consumer Financial Protection Bureau had finally responded to my request. Capital One XXXX XXXX XXXX and XXXX XXXX have XXXX have lowered my credit limit and constantly charging me for items not purchased and adding on all kinds of fees to the account. I am not giving my creditors any more money until the the balances are much lower or disappear and I get my audited statements and do my own investigation. The general public we should boycott the credit card companies and file reports against them and not pay them there money until they take of the fees and interest and hidden charges of our accounts. March and get them closed down. There needs to be regulations on the credit card companies not to be allowed to continually adding on all kinds of fees and interest to your bill. Every month raise your minimum payment XXXX dollars and more Capital One. I have filed a complaint with the attorney general of Delaware XXXX XXXX XXXX for fraud. There will be XXXX to pay from the XXXX for fraud and taking advantage of the general public and having no programs to help the people and destroying the public. Ms XXXX
I paid off my mortgage with DiTech when I refinanced XXXX XXXX, 2016. I have not received an escrow reimbursement check and have gotten a different answer every single time I have called and talked to a representative or supervisor. The first check was mailed on XXXX XXXX, 2016. I was told after 10 days if not received they would reissue. The confirmed last week that they reissued. Now they are stating they did not and will not consider it again for 30 days and if it happens again we will keep waiting over and over 30 days each time since they do not track the check.
It is in regards to a loan modification that We did n't request, but were offered by Citimortgage in XXXX of XXXX. The loan modification marketing material they provided us indicated that we 're " already approved '' ... .just sign and return before XXXX XXXX, XXXX. So, we did. Finally after 6 months, we received the " finalized '' Citigroup-signed documents on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received what appeared to be the blank, unsigned loan modification documents yet again. After two full years of making our mortgage payments on time/ahead of time, and according to the terms of the modification, and as shown on my monthly statements, they decided to do a review of the loan modification paperwork. XXXX. The following new statement appeared in the 'My Representations ' section : " I am experiencing a financial hardship, and as a result ( i ) I am in default of the loan document or my default is imminent and ( XXXX ) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future. 
XXXX. A XXXX new statement appeared in the 'My Representations ' Section : " If the lender requires me to obtain credit counseling in connection with the modification program, I will do so. " We have never been and never will be in default or imminently in default of this or any other mortgage. We do not need credit counseling ; our credit scores are in the XXXX for all XXXX credit reporting agencies. We have no personal debt. We strongly suggest someone look into Citimortage 's business practices, because at best they are completely incompetent, and at worst they are committing acts of fraud against many unsuspecting homeowners as well as the taxpayers via misappropriation of HAMP loan modification incentive payments from the federal government.
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.
It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?
Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.
I faxed a letter to transunion regarding inquires on my credit report on XXXX/17 by fax advising that the only authorized inquiry I made was with XXXX XXXX XXXX all and requested that all other Inquries be removed as I did not authorized them. I recieved a letter in the mall stating they were not removing them. I sent a 2nd fax on XXXX17, recieved confirmation that it was recieved .There was a computer glitch that caused inquiries to be deleted .Transunion later added them all back onto my report without giving me the legally required notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them them delete the inquiries that they illegally re-added.These inquiries add hardship and my rights have been violated by Transunion and as of today XXXX/17 I still have not recieved a response back from them.
Good Afternoon - Our mortgage was purchased by XXXX XXXX XXXX a few months ago and they have been horrible. My last situation, is as follows. I had sent in XXXX to go to additional principle. It was stated on the check to go to additional principle and it was also sent in with their payment stub stating that the money was for additional principle. I received a statement on XXXX and called immediately. They had put {$2800.00} toward principle and then 2 mortgage payments. This was not as instructed on the stub or the check. I called on XXXX they were to reverse and do it correctly. I called on XXXX and was told it was to be corrected on that Thursday. I just logged into our account on XXXX and it is still not fixed. I called XXXX XXXX, they stated that my request was denied b/c the check was written in the previous month. This was not at all my fault, in my opinion this company is purposely avoiding the correction for their financial gain. This also happened on the previous principle check I had written.
ACS/Conduit seem to be lacking in communication with their debt collection department, XXXX XXXX. I receive multiple phone calls from XXXX XXXX regarding debt that i have already paid. It is time consuming, it is bothersome and it is harassment. I also worry about their reporting tactics and if they are accurate when reporting my payment history to credit beuraus. ACS is unorganized, uncommunicative and make paying back my debt very difficult. Private loans like this and XXXX, need to have the same protections as federal student loans. These companies operate like scam companies. Please fix it!
Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.
I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month.  However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.
recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right
I have no idea why this company claims I owe them. I never received anything in the mail just an alert on my credit report. I have no idea regarding this account
XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.
Comenity Bank/  XXXX   is attempting to collect a debt that  was discharged in a bankruptcy. I have tried on several attempts to get this matter r esolved. They just recently updated their tradeline on my credit report has a charge of stating that I owe  XXXX  as balance owing. The previous credit report stated o balance included in the bankruptcy and now they want to come back and still try to collect That negative remark caused my score to go down  XXXX !!!!! in which I was just denied for a home loan due to it. I will not pay for something that has  been discharged in  Bankruptcy and what they are doing is illegal and against FCRA I have proof which I will upload. This is causing me an extremely large amount of financial burden and I am still paying for something that is over with.
Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.
I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help.
Contintental Finance Company claims I owe a total of XXXX. A charge in the amount of XXXX to XXXX on or around XXXX XXXX is in dispute, Continental Finance refuses to work out a resolution which does not require me to pay this charge for item not received. The merchant, XXXX, provided a response which contained false/inaccurate information such as shipping date, item ordered, shipping address as well as person signed for package. Their reply mentions an order placed in XXXX, a month BEFORE item ordered in XXXX. It was sent to a XXXX  XXXX in XXXX, NY, my name is XXXX XXXX and I live in Connecticut. A replacement XXXX watch was sent to this person, XXXX XXXX, my order is a XXXX XXXX watch. The package sent to myself arrived with watch missing from the watch box, XXXX is known to send empty watch boxes or defective items. I disputed this charge, however, I did not receive response from merchant in time to reply, according to regulation set by XXXX. I provided response detailing false/inaccurate information detailed above, it was too late to further dispute. The initial mailing was lost in the mail, disputes dept resent the information from merchant and I was told to go ahead and reply in re despite lateness. Once received, Continental Finance refused to do anything further. The remaining balance of this debt, XXXX stems from fraud charges as well as late and over limit fees, which I refuse to pay.
Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...
With Equifax there are XXXX XXXX loans being reported incorrectly on my credit file XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX LOAN XXXX - Original Loan Amount : {$4000.00} LOAN XXXX - Original Loan Amount : {$3500.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Equifax Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
I CONTACTED A 3RD PARTY COLLECTION AGENCY RECOVERY ACCOUNT # XXXX AND INFORMED THEM THIS WAS NOT MY ACCOUNT. INFORMED THEM THIS WAS MY EXWIFES ACCOUNT AND THEY REFUSE TO REMOVE THIS FROM MY CREDIT FILE. MY EX WIFE XXXX XXXX FILED A BK XXXX XXXX/XXXX/XXXX AND THIS ACCOUNT/ CREDITOR HAS BEEN INCLUDED IN HER PETITION AS A CREDITOR. MY EX SPOUSE XXXX XXXX HAS ACKNOWLEDGED THIS IS HER ACCOUNT AND THIS 3RD PARTY COMPANY CONTINUES TO HARRASS ME AND DAMAGE MY CREDIT FILE.