WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America has reported on my credit report for  XXXX  that I had  XXXX  payment s 30 or more days past due this information was and is incorrect i have sent numerous   letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the bank of america numerous document showing past mistake of my payment that were misapplied b y thier associates yet they still will not correct my credit report the bank of america has the wrong infor mation on my payment, balance last payments amount made & ect i  have recently sent them a letter  ( This is the exact letter ) a nd other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting Bank Of America  Address    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blan k ) &  Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accoun t s after d ue date. I ( Blan k ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made (   XXXX   XXXX   XXXX   XXXX   ect. ) Pleas e Mail this information ASAP
About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach.

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.
I have contacted Experian via telephone which has cost me a lot of expensive cellular minutes referenced to their decision to change information on an old debt that supposed to be remove on XXXX, XXXX due to the XXXX years statue of limitations. 
But, Experian is refusing to comply with my request with reference to XXXX XXXX XXXX, XXXX. Partial Account number XXXX. The dispute account had a date of removal of XXXX XXXX. But, Experian decided NOT TO MENTION this date anymore!! 
On report number XXXX, Experian FAILED to mention when this XXXX years old dispute account will be remove. 
According to the credit report rules, old dispute accounts have to show a DATE OF REMOVAL. 
Experian is not complying with the mandatory rules of posting accurate information about the removal of old dispute accounts, which is not beneficial to my credit report files. Very unfair indeed!!
Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on XXXX XXXX, 2015 with XXXX and XXXX, the XXXX credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from XXXX and XXXX stating that the account was verified as accurate by Synchrony Bank. 

On XXXX XXXX, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated XXXX XXXX, 2015 ( I received the correspondence on XXXX XXXX, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account. 

I filed a complaint against Synchrony Bank with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2015. However, on XXXX XXXX, 2015, I received correspondence from the OCC referring me to the Consumer Financial Protection Bureau ( CFPB ) ( see attachment ). 

Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( XXXX ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( XXXX ) ( A ). 

As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX. I sincerely appreciate your attention to this matter.
in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report.
I have asked OCWEN mortgage company several times to give me a cumulative statement of what they have charged me to get my tax bill sent to them from XXXX XXXX. They tell me " send us the original bill. If you do not send it, we will get the bill ourselves directly from XXXX XXXX and then charge you no less than {$6.00}. ". When I spoke to XXXX XXXX, they tell me that OCWEN is already paying the bill so 1. why do they need to bother me for it? 2. how can they charge me for this? My bill is already escrowed. When I spoke to the XXXX XXXX, they tell me that OCWEN should not be charging me for this. I believe that OCWEN is either A. getting charged by XXXX XXXX {$5.00} which they then pass to the customer making a profit of no less than {$1.00} or B. they are not getting charged anything from XXXX XXXX ( most major mortgage companies do not get charged by XXXX XXXX because of some sort of arrangement ) and are thus profiting no less than {$6.00} from the customer 'pretending ' that they are passing on the cost of getting the tax statement from XXXX XXXX XXXX I have contacted the Ombudsman office about 10 times now about getting a cumulative statement from them to see how long they have been pulling this XXXX and ALL IS SILENT. I am entitled to this statement and entitled to getting my money back from all the tax bills they have been getting from XXXX XXXX then passing the cost on to me.
I applied for a Chase XXXX XXXX XXXX card online around early XX/XX/XXXX this year. The Chase Bank 's screen stated regarding the annual fee {$0.00} intro annual fee the first year, after that {$95.00}. This is universal for all airline credit cards in the U.S. 
I got my card in the mail on XX/XX/XXXX, and I started using it almost immediately. When I checked my credit card account on line on XX/XX/XXXX, I found the bank charged me {$95.00} on XX/XX/XXXX. I called the XXXX number, spoke with the representative, and was informed that I agreed to the charge on my online application. 
I then went to the local branch office the next day, and was informed by the branch manager there that had I applied thru the branch office, I would not have been charged any annual fee, let alone {$95.00}. Since I applied online, the branch could not help me. 
I am completely horrified by the revelation and the deceptive advertisement done by a big national bank, such as Chase. 
I have 2 questions now for any Chase lawyer to answer for me : 1. How could Chase advertise online for a {$0.00} intro annual fee the first year ( see attachment ), and then charge {$95.00}, citing fine print? 
2. Why are application for credit cards thru bank branches and online so different? Shall we not trust Chase online anymore? It feels like a scam. As a concerned citizen, I want an answer. 
I insist that Chase card cancel the first year annual fee immediately. 
XXXX XXXX
I paid for my credit report and it had incorrect information about who I work for, who I owe money to and several other issues. I had to send so many documents to Equifax to prove that I am who I state and letters showing what was listed incorrectly, that the postage for this envelope was almost {$10.00}. 

I never received a reply from Equifax. I did get credit reports from the other two credit agencies that simply showed that I dispute my credit report. 

How do I get someone on the phone and get the information corrected? 

Why do I have to pay to review my own report to see if Equifax made the corrections?
My XXXX loans were placed into " administrative forbearance '' by nelnet. This was not something that was I, as the loan holder, was ever notified of or consented to. I have four groups of student loans with Nelnet. Two of them are XXXX school loans, which are currently in grace following my graduation in XXXX. The other two are unsubsidized XXXX loans. 

I figured out on my own that the loans were in deferment, by logging into my account to try to set up auto payment. Auto payment, and therefore the .25 % interest rate deduction, could not be applied to my account because a payment was not due. A payment was not due only because my loans were placed in administrative forbearance without my consent. 

On three separate occasions, I have requested that nelnet place my loans into repayment. Each time, the customer service was helpful in making this change. However, a few days after the repayment goes into effect, the loans always go back to being in forbearance, despite assurance from nelnet that this would not happen and measures were being taken to keep this from happening. 

This forbearance is keeping my from making auto payments to my account, causing my loans to accrue more interest due to not receiving the interest rate reduction for autopay, and delaying my student loan pay off by not starting my repayment period promptly after graduation.
I have a credit card listed on my credit report that I did not apply for. I have requested proof from the collection agency to no avail. I have never seen the card, did not sign for it nor have I signed any transactions for this card.
ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/
My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government. 
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help. 
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully
Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.
I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX
Got the loan for a window replacement upgrade. I was told that I would not pay interest as long as I paid within 12 months. Loan originated XX/XX/XXXX and was paid off XX/XX/XXXX. The company changed service providers in XX/XX/XXXX where they previously showed the deferred interest on the loan statement. In XX/XX/XXXX the statements provided showed that I was paying 9.99 % interest on an 18 month loan. I made various calls to the company opening investigations. I had made arrangements to have the full principal balance paid in full before maturity. Again in XX/XX/XXXX I called as the balance was a little over {$1000.00} and said there was no reason to pay as the terms were 0 % interest and they owed me money. I was told that I had to pay the balance to close the account. I would need to call and ask them to close which I did on XX/XX/XXXX. I got a letter on XX/XX/XXXX saying that the account was closed. I called numerous times to follow up with them on the interest owed to me in the amount of {$1700.00}. They said it would be processed in 60 days. This is not what I understood to be the case when I initially entered into the agreement. The first statements always showed the deferred interest until the change of service providers.
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX   had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XX/XX/XXXX, and became no longer in collection when I made the final payment. This holds true for Equifax. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
I applied for a modification with PennyMac and I was told that I do not qualify because my loan is traditional and is not secure by XXXX or XXXX XXXX. Therefore, I hired an attorney and I was still given the run around with an attorney. I went to a XXXX home saving cnovention and PennyMac still gave me the run around : as a result, I called PennyMac and I was told to submitted the modification information therefore I did by fax and through PennyMac 's Attorney and I was told that they did not get all of the information therefore they rejected my modification and now my own is in foreclosure.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. 
This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.