WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
<P/>
I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018. 
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments. 
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX charged off my account while account was current, with more than double the minimum payment being paid monthly. 

Most recent statement shows consistent payment over twice the minimum payment ( minimum payment {$120.00}, we have been paying $ 300 monthly since XX/XX/XXXX ) This card was opened in XXXX, and since that time, I have only missed 3 payments beyond the 30 day mark by a few days, and quickly corrected them, paying off these outstanding balances before the next payment due date. 

I am unable to reach someone to discuss the reasoning or erroneous nature of this charge-off. 

This charge-off has negatively impacted my life, and I may need to file bankruptcy as a result as it has ruined a loan refinance for my wife and I.
I have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.
On Thursday, XX/XX/XXXX I went to https : //www.equifaxsecurity2017.com/ after hearing about the Equifax hack that happened a month ago. There are reports now that just by checking, I was not only auto-enrolled in their service despite the website indicating I would manually enroll at a later date, but I also waived my right to sue in court if I am affected by the hack. The class action waiver was hidden in the terms of use and not made clear. Additionally, the website did not provide me information regarding whether or not I was impacted by the hack. I was only given a date on which I should manually enroll. I believe that Equifax is n't taking the situation seriously, and is attempting to avoid a class action lawsuit by tricking consumers into agreeing to arbitration only under the guise of caring about our personal information.
I disputed this company with XXXX and XXXX. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. XXXX and Transunion is the only XXXX still have this on my credit report. XXXX and Transunion are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX # XXXX unverified account
Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.
In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.
In XX/XX/XXXX my mortgage loan was sold to SPS Servicing. With the previous Mortgage servicer, my balance was approximately {$380000.00}. I now receive statements that my balance is {$380000.00}. They are charging me {$3600.00} in additional fees they can not explain why, to whom and when these charges were incurred. Back in XX/XX/XXXX, I sent an additional {$2000.00}. extra principal payment which was never applied and monies were used by the Lender as additional " fees '' paid. I have asked our State Attorney for help and all this bank did was send the State Attorney a roster of all my payments since the loan originated in XX/XX/XXXX. Please help!
This account is with Progressive which shows the original creditor as   XXXX   XXXX  . I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had health insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Progressive has the account.
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.
Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.
I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.
On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( XXXX XXXX XXXX ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a licensed California attorney, they asked for my bar number. I told them that it is a matter of public record and that they can contact the state bar or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
Company that calls itself Summit Recievables has been calling me and other family members, threatening legal action as well as fraud charges, verifying my employment.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account US XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX xxxxxxxxxxxx XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. 

Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.
I continue and will continue to address this situation. I feel everytime that I have addressed this matter with Capital One Bank about the unauthorized inquires, they continue to respond saying that they have no record. The record is there where there representatives have told me that they had no such record that was found. 

I still question where these inquires came from. The other credit bereaus investigated and found my case to be fraudulant applications and immediately removed but Equifax continues to hold this situation up and continues to insist that II have capital one deal with this situation. 

Capital One continues to discriminate towards me and not properly addressing my concerns. I have ask for the inquiries to be removed and as i stated before until they disappear off my credit report I will not quit with the complaints till a resolve has been reached.
On XX/XX/2018 Chase bank charged me two overdraft fees of XXXX dollars each from two transactions that caused my account to be over however that same day as soon as I noticed I was charged I went to the bank to deposit the money to make sure it was not over drafted. Even though I did that I was still charged those fees totaling in {$68.00} worth of fees I have other bills to pay and this is very frustrating because I deposited the money the same day.
Two items I'm disputing, first one is : Months ago, maybe a year ago, I noticed that there was a " debt '' showing as unpaid on my credit report. I contacted the dr 's office ( XXXX XXXX in XXXX XXXX, FL ) and they agreed that it was paid years ago and it shouldn't have gone to collections, they said they'd fix it. They didn't - I contacted them several times and each time they didn't correct it. I wrote a letter in XX/XX/XXXX. I received notice from XXXX stating they corrected it. But now I still see it on XXXX ' report. See below. 
Updated collection, XXXX XXXX XXXX, XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE, XXXX XXXX XXXX XXXX, UNPAID, $ USD XXXX Second dispute is : New collection, AR RESOURCES INC, XXXX, XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, Collection, {$100.00} This is for another medical bill from XXXX XXXX XXXX. I had made arrangements for monthly payments and I paid it off even sooner than agreed. I contacted both XXXX XXXX XXXX and AR Resource. When XXXX XXXX said I didn't have a payment plan, I asked them to have a supervisor call me, I'm still waiting for the call!. The balance is XXXX on this and should not have gone to collections! 
It's frustrating to get medical care, pay your bill and still get sent to collections - probably due to the incompetence of entry level reps. So here are two medical offices that people should try to avoid!
I was told by Bank of America that they could not apply any payments because the house was in foreclosure. My conversations with BofA started on XXXX XXXX, 2015. The Notice of Default was not issued until XXXX XXXX, 2015. BofA received a payment of {$800.00} from me on XXXX XXXX, 2015 and had {$360.00} in a holding fund from a previous payment. When I talked to BofA on XXXX XXXX, 2015, I was told that no payments could be processed because the loan was in foreclosure. Had they processed the payment, the loan would not have gone into foreclosure and fees would not have been assessed. I sent BofA a cashier 's check on XXXX XXXX, 2015 to cover lawyer fees, foreclosure fees, and unpaid mortgage payments although I believe I should n't have to pay any of these fees. 

I received a document in the mail from XXXX XXXX XXXX XXXX XXXX in XXXX 2015. I called BofA to ask if this was a part of the foreclosure information. I was told by the person I was talking to that they did n't know who XXXX XXXX was and BofA was not associated with this company. XXXX XXXX is the company that filed the notice of default but because of the conversation with BofA, I thought it was some sort of scam. Today I asked my Account Manager, XXXX, to please fax me a copy of the Notice of Default. She faxed me a letter from BofA that is not the Notice of Default. I have attached the Notice of Default and the letter that XXXX says is the Notice of Default. If the person helping me does n't understand what the legal documents are, how am I supposed to receive quality information and help from BofA.
I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening the account.
HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.
ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.
My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.