WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED
I have a credit card with Capitol One. I do not use the card. The card has an annual fee. The fee came due but I did not know because I do not use the card. Capitol One reported me 60 days to the three credit repositories, ruining my credit. I called them immediately upon discovery. I immediately on the telephone paid the annual fee. They immediately waived the late fees. I requested that they reverse all negative reporting of the event to the bureaus. They agreed to do so. I spoke with XXXX, employee # XXXX on XX/XX/2018. She agreed to eliminate the negative reporting using a rapid resubmittal in 2 days and send me a letter. It is now XX/XX/2018and they have failed to update my account with the bureaus. I called them today,XX/XX/XXXX After 45 minutes I spoke with supervisor XXXX in XXXX Florida, XXXX. He stated that XXXX had submitted a " dispute '' to the bureaus but it takes 60-90 days for this to be processed. I told him this can not be true, that the creditor can not retract information more swiftly. I asked for his supervisor but he refused to allow me to speak to his supervisor.

Key points : Capitol One should not be able to charge a late fee for an annual renewal fee. If the consumer does not pay the annual fee the bank should close the account. Unless I borrow money from the bank and fail to pay it back according the agreement, there should be no reporting of negative information. Doing so is a consumer scam. 2. ) If Capitol One reports negative information to the credit bureaus they should retract swiftly and the process should not take 60-90 days.
We are a month late with Ditech ( fka : greentree servicing ) and we have been getting harassing phone calls from their supervisor XXXX and other staff on a daily basis. We have never been late in paying our mortgage and this is the first time. My husband was XXXX. As we reside in Hawaii, the cost to get him there with a minimum of a month of lodging and other living expenses we could not pay the mortgage. The XXXX stated that he will be XXXX for a year or longer after treatment, thus I began the loan modification as there will be no income to support all of the expenses. Ditech has been calling and harassing me, in particular their supervisor " XXXX '' on a daily basis for the past two weeks. I have explained my situation and they acknowledged receipt of the loan modification documents, but still they keep calling every day! XXXX and the other Ditech staff are very rude, uncaring and very demanding.
The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
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I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
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Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
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Please help me to make this stop! PLEASE.
On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.
I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request
i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now
Suntrust Bank handles the donations that people give us for our non-for-profit. We mailed in a cash donation along with a check that had been handed to us from a donor. We mailed it as certified mail to ensure that it would arrive at the bank. The USPS has record of delivering the envelope with cash and check in it. The USPS declared after a corporate investigation that Suntrust Bank had received the envelope. The envelope with the cash and check is missing. The check was for {$2000.00} and the cash was {$500.00}. The check has since been cancelled, but the cash is still missing. My complaint is that we are out {$500.00} dollars cash, from what looks like theft while in Suntrust 's care or negligence from Suntrust by losing our deposit. Suntrust will not take responsibility for the money. Suntrust will not take responsibility for losing the envelope, the check and the cash. I have record of it being delivered to Suntrust bank by the USPS.
I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.
Company is attempting to bill a debt not owed. Insurance was never billed by original company. {$900.00} companies have been provided with billing information multiple times.
On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. 

I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. 

Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. 

The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.
I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.
XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home.
My husband and I both have made several calls to Wells Fargo trying to get this matter resolved in a respectful manner, especially considering that they 're at fault. It was brought to our attention from our mortgage broker that Wells Fargo incorrectly reported information that has severely impacted our credit score. Not once in the past 8 years of owning this home have we been late nor missed a payment, as our record will prove. It was during the mortgage process that it was brought to our attention that Wells Fargo reported a 30 day late on our credit report back in XXXX. We were speechless and immediately tried to understand how and what happened. For eight years, we 've never had a problem. After numerous dead ends and roadblocks, our issue was escalated to their executive customer service department. This is where our communications with the supervisor, ( I 'll leave unnamed ) began. Upon further research, they were able to identify the issue. This mortgage is for a vacation home that we have. Our statements have always been mailed to our primary address. During this time, we moved and we updated our new mailing address on the back of a statement. This is typical procedure for updating your records. As it turns out, someone at Wells Fargo incorrectly inputted the address change and that is what caused all of this. We never received our statements as a result of this clerical error on the part of Wells Fargo. They were off by one number updating our new address. The supervisor then stated that she would escalate the case. She called us at the XX/XX/XXXX to tell us that they were still evaluating the case but to this day we have yet to hear back from her or anyone else. I 'm now unable to get a hold of her when I call. We are now unable to refinance our home due to their mistake which they acknowledged and admitted to. Wells Fargo is now the only negative we have on our reports in the last 20 years. I have proof of my statements with one being the incorrect address and after they corrected their mistake, one with the correct address. Any help would be beyond greatly appreciated as this has really had quite an impact on our lives. Thank You.
Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat-out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief, you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
I been eating at XXXX for awhile, so today XXXX XXXX, 2016, I went to XXXX to eat and my bill was {$87.00}. The credit company charge me $ XXXX.I went back to XXXX and they show my what they charge.So I called the company and the supervisor XXXX XXXX told me that they take out gratuity or tax at the end of the day. Supervisor said all restaurants do that, so I let speak to the manager at XXXX and she told her that XXXX does not do that, that is against the law. This have never happened before.Somebody trying to get extra money in their pocket, XXXX only charge me what act.
I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2018 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "