WillisBack/dataset-financial-user-claim huggingface dataset:
Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.
I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.
I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay. 

I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.
Experian is reporting XXXX XXXX XXXX on my credit report. The have declined to remove this name because they are indicating it is part of my credit history. There is no where in my credit history that refers to XXXX XXXX XXXX I have received a copy of my credit report from XXXX XXXX XXXX XXXX   and Experian. Experian is only reporting this name under my personal information. I need them to provide the source from where they obtained this information other than sending me an automated response. I need to have this removed and need to contact whomever is reporting this inaccurate information so it can be removed. Can you please have Experian provide the source so I can contact them directly.

Thanks
On XXXX XXXX, 2016, I sent a letter to the credit Bureaus requesting that they investigate and/or delete disputed items from the company Diversified Consultants Inc. from my credit report. My letter to the Credit Bureaus also requested that Diversified Consultants verify that they have legal right to collect debt in my state, the original contract, etc. On XXXX XXXX, 2016, I received a letter from Diversified Consultants through the United States Postal Service from Diversified Consultants dated XXXX XXXX, 2016. 

The letter received from Diversified Consultants stated that they are business as ( Diversified Central ) in the state of Alabama. I googled Diversified Central in the state of Alabama and have not been successful in finding the alleged company. 
I have reason to believe that Diversified Consultants lied about this fake company ( Diversified Central ) as a ploy to illegally collect money from me.
I have a Best Buy Visa card that was never activated. I received an statement in XX/XX/XXXX stating a transaction made online for {$2500.00}. I intermediately called the costumer service and they told me my account had abother transaction for almost 2900.00 and that I had overpass the credit card limit which was {$5500.00}. My account had a balance of XXXX They referred me to security Department and initiated an investigation. I filed a police report and faxed the affidavit form with some information. Today I received a letter saying that the information submitted was not enough and that I was responsible for the balance on the account and that the investigation was closed. I called the costumer service number again and they told me my balance now was for XXXX They told me they could not do anything for me and gave me this number XXXX.
XXXX XXXX went out of business years ago. I had an account with them in XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.
Debt was disputed online, Diversified Consultant sent me an inproper validation of debt with no signature or original contract.
These were file with XXXX ins.of XXXX Minnesotathey are reporting on our credit file XX/XX/2012.They refuse to remove them from our credit report.
I am currently a XXXX  and have been for XXXX  years, also a veteran. I received an update the week of XX/XX/XXXX and saw that my payment went from {$170.00} to over {$400.00} a month while I'm in the loan forgiveness program. My income for last year went down and nothing else has changed and having no understanding of why this was so much. I was told that I did not fill out the application correctly and then went back in and did just what I was told to do. On XX/XX/XXXX, I was told that they would not accept my application after I was told to do what they told me to do. I have had enough of this and the scam of this program. I was under the impression when the whole idea of this program was to eliminate this bill and all that this has been has been a huge headache. Every time I talked to someone at Navient they say that they are following the rules that have been set by Congress and they have no control over the program. I want this fixed. I have no problem paying the proper amount however this seems to be a huge scam because I have been paying on this bill since I graduated in XXXX. The account number is : XXXX.
Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.
Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days.
Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.
I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report.
Chase Credit card 's XX/XX/2015 statement showed with XXXX unauthorized cash advances and fees ( appx {$3300.00} ) which we never authorized. This was noticed in XXXX itself while accessing my account online. Immediately reported and had my card put of hold/cancel after talking with chase credit card services and fraud department. We have tried to have credit card company ( CHASE ) remove these fraudulent transactions on our account but every billing cycle them keep putting it back!
Debt not owed. Disputed several times. Debt and amount was never verified as mine.
I explicitly requested from XXXX XXXX XXXX a scanned original consumer contract bearing my actual signature and they have not provided me with that at all. What was sent to me were some statements, bills, and itemized lists -- all of which are NOT proper validation under the FCRA and FDCPA. If XXXX can not provide the REQUIRED scanned original consumer contract / original instrument of indebtedness in its original form, then I demand that this account be IMMEDIATELY DELETED from my credit reports. Again, the law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer  documentation is required to consumers, particularly upon their request. Furthermore, XXXX, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act. They keep sending me a letter asking me to provide them more information. I do not have more information. I am asking them what they are reporting and why. they can not tell me.
XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to Experian, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX  under my XXXX XXXX Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX {$440.00} and high interest rate of 17 % with XXXX. Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My XXXX Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, XXXX XXXX.
i 've been trying to lift temporarily a security freeze with Equifax and they wo n't do it online nor on their telephone automated service ... they just tell me to mail it to them and hangup on me. i have had a credit freeze for many years and the other XXXX bureaus are all accessable online and by phone when i need them. but not equifax. not only do they loose my personal information through a breach but then deny me access to lift my credit freeze. I use to call a number to get a human being to help me but Equifax cancelled that line. " no longer in service '' XXXX. I used it last month to get my mortgage. Today disconnected. This is not customer service. 

How can i mail them a request when I do n't know when they 'll get the letter nor confirm they got my request and have lifted it. Why ca n't Equifax equal services that the other XXXX bureaus offer to consumers that are victims of fraud? Their answer is mail it? for what date? I need it TODAY! not in a month. They are really messing with me and with every consumer they just SHUT DOWN AND HUNG UP ON by the elimination of their phoneline to help us. 

Attached is a screen shot of their helpful information ... note that they give contact info and phone numbers for the other XXXX bureaus and ZERO for themselves. They need to be taught how to treat consumers.
On XX/XX/2018 I received approval from XXXX  ( XXXX XXXX XXXX ) for a loan recast. The letter states the new payment will start XX/XX/2018. 
As of today, XXXX  has still not corrected my account. I am due interest so my balance due is showing incorrectly. 
I called and emailed numerous times. I dont get a call back and no one replies to my emails. When i phone customer service, I am told the modification dept only works by email but yet they do not respond. 
I would like for this to be resolved and for XXXX  to complete the recast that i applied for back in XX/XX/XXXX and they approved on XX/XX/2018.
Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.
I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. 
In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' \and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. 
As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. 
So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! 

As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.
Over a year ago I signed up for an online legal documents service. For a {$15.00} per month from my paypal account I could access legal forms in their library. This could be terminated at any time with no contract term. Part way through XXXX I requested to terminate the account with the service provider. I did not notice until XXXX XXXX that the service provider had continued to charge me {$15.00} per month to my paypal. I contacted Paypal to dispute the charge but they would only allow me to dispute the most recent charge, which I did on XXXX XXXX, XXXX. Paypal contacted the service provider who apparently told Paypal they were pre-authorized to charge my account. Paypal ignored my information noting I had cancelled the service ( thus no longer pre-authorized ) and decided the charge was valid. I appealed and Paypal denied my request with no further explanation or proof of authorization. Paypal offers a purchase guarantee plus also a money back for unauthorized charges, however, they failed to act appropriately in this instance.
A complaint was filed against Wells Fargo Bank # XXXX for the misapplications of my mortgage payments and for failing to apply the designated payments to my principal mortgage balance. Wells Fargo and XXXX XXXX  have put on two demands to collect {$76000.00}, to reinstate a loan where the borrower only owes no more than little over {$38000.00}. After writing and calling since XX/XX/XXXX, Wells Fargo essentially washed their hands of the loan and transfer the loan to XXXX XXXX and stated that they had no further dealings with the loan. XXXX XXXX has continued with the foreclosure sale dated for XX/XX/XXXX without any resolution to the original complaint, When a reinstatement was requested XXXX sent one out with the amount of {$38000.00}, XXXX XXXX Wells Fargo sent one out also demanding more money {$38000.00}, each institution has different wiring instruction for two different banks. 
This situation demonstrates no accountability and fraud on Wells Fargo part who seems to want to have it both ways. Wells Fargo written response clearly communicated that they were no longer the servicer and they had no intentions of rectifying the misapplied payments, yet they continue to use a questionable Trustee XXXX XXXX who the Secretary of State of California states they must use the word Arizona in their written communication which they refuse to do, now they are trying to collect more money than entitled to.
O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.
Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a  thirty  day late on my account in  XXXX  of    2016. I was not supposed to be reported for this late, according to a manager i spoke wit h. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.