WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card at XXXX XXXX to get a discount. After 2 months of not receiving a bill, I understood that my payment was late ; and provided the telephone rep who called me with a debit card to make payment by phone. I also told her that I had never received a paper statement and asked her to send me one for my records. She gave me a confirmation number for the transaction. 
In early XX/XX/XXXX, I had started receiving statements by mail, but they reflected an outstanding balance still, late fees and interest charges. I called XXXX XXXX XXXX XXXX and asked for a manager, I provided him the confirmation number of my payment and opened a complaint # XXXX, which started an inquiry on their end as to whether they were paid. By XX/XX/XXXX, I was still getting an invoice, collections notices and more penalty fees. I called again and asked for a manager. I was told the investigation had not been completed, but that I would be notified by mail of the results. 
By XX/XX/XXXX, I still had not been told about the investigation, but I was still receiving invoices for more and more money. I called and spoke to another manager, XXXX. She told me that she would reopen complaint # XXXX. She also told me that they would send 1 ) written confirmation that my balance due was only the original purchase of {$200.00} ( and not the {$410.00} that I was most recently billed ). She also confirmed that they would confirm the financial institution that they did not receive payment from. By this time -- 7 months after I paid this bill, I did not recall the debit card I used by phone. 
It is XX/XX/XXXX, and while I continue to receive invoices for more money, I still have not received written confirmation of the real balance due or results of the inquiry associated with complaint # XXXX. Put plainly, I have no way to verify that XXXX XXXX XXXX XXXX hasn't already been paid! I called and waited 5 minutes to learn that XXXX, a " manager '' in the the collections department -- which I am routed to when I enter an account number, something I'm required to do before advancing in their automated system -- couldn't look up the complaint # I had. I waited another 10 minutes to speak to a customer service " manager, ''  XXXX. I confirmed with XXXX that absolutely NO ACTION had been taken to respond to my XX/XX/XXXX call even though I was being billed for more than 200 % of what I actually owed. She likewise couldn't access the complaint and kept me on hold another 10 minutes ( 25 mins cumulative for the day ) to speak to an escalation " manager, '' XXXX. I informed XXXX that after 4 calls, 7 months and over 2 hours on the phone with " managers '' at XXXX XXXX XXXX XXXX and XXXX XXXX customer service today was my final attempt to resolve the matter. ( Every interaction has been recorded, which I confirmed this evening. ) After 54 minutes of holding, the call abruptly disconnected and no one called me back to apologize or respond to my original request.
XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close
I understand that per Equifax response on XX/XX/2018 that they have 60 days to investigate an issue that is on a credit report. My items that do not belong to me, which are XXXX XXXX  account number XXXX and XXXX XXXX   XXXX account number XXXX and XXXX XXXX account XXXX were all under investigation and for OVER 60 days! I have attached documentation from my credit files with the dates and under investigation.
I had made a purchase with Best Buy with 12 months same as cash. My balance was at roughly {$4.00} beyond my 12 months and was not notified at the XXXX calendar month once I changed my address with a customer service representative at the store after I moved. I went to use my card for another purchase believing my balance was at XXXX ; and was informed my card was ( for lack of a better term ) invalid. I recently found out that my credit was being effected by a {$4.00} balance.
Prior to XXXX XXXX, 2016 I provided Experian a copy of the court judgment in my favor and against XXXX XXXX for an account that was showing on my Experian credit report as an inaccurate derogatory entry. 
Despite XXXX receiving the same information from me and immediately removing the inaccurate information, Experian refused to remove the erroneous account from my credit report. Followup disputes to Experian were done via certified mail and by complaints filed with the CFPB while Experian continued to refuse to comply with the FCRA. 
As I stated in my XXXX/XXXX/2016 reply to Case No. XXXX : " In response to my written requests and my first CFPB complaint, Experian failed to provide any evidence or documentation to justify its failure to do a reasonable investigation and comply with the court judgment ( I provided them copies of ) by immediately removing the disputed XXXX XXXX account. Now, without any explanation, the disputed account appears to have mysteriously disappeared from the " current credit report '' supplied by Experian by mail ( report # XXXX, dated XXXX XXXX, 2016 ). '' Since it has been two weeks without any response from Experian, I am filing this complaint to assist Experian in providing me copies of any and all evidence that it possesses or controls, including documents, electronic transmittals, etc., that support its allegation that the furnisher XXXX XXXX validated the debt so convincingly that Experian could ignore a court judgment and continue to report the inaccurate and erroneous information regarding the XXXX XXXX account # XXXX XXXX XXXX XXXX on my Experian credit report. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
I purchased a XXXX XXXX Bed and financed it. Was told by XXXX XXXX that it would be an installment loan via XXXX XXXX. Was approved for XXXX. Synchrony is now reporting it as a credit card, which was not what I signed up for nor what was relayed by XXXX XXXX rep as I specificaly asked what type of loan this is. An installment loans reports differently vs a credit card.

XXXX XXXX Purchase Date : XX/XX/2018 XXXX XXXX Delivery Date : XX/XX/2018 Synchrony Credit Reporting Date :XX/XX/2018 Neither party ( XXXX XXXX or XXXX XXXX ) as well as the credit bureaus have corrected this despite numerous attempts to get this immediately rectified.
XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.
Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing. In  XXXX  of   XXXX   XXXX   I was denied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in   XXXX   XXXX  . Still no notification at this time nor to this date (   XXXX   XXXX   ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til   XXXX   XXXX  , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, reportability of this listing.

There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Over the past 90 days I have been challenging the accuracy of the information provided by TransUnion with regard to my legal name change from XXXX XXXX XXXX ( adopted name ) to XXXX XXXX XXXX ( birth name ) I have provided them with numerous copies of the court order. Beyond this, we asked them to correct inaccuracies with their customer XXXX XXXX  with regard to our payment history and the status of our account. We were never late on any payments and it was included in our chapter XXXX bankruptcy but they refuse to make any changes. I have disputed this will all the major reporting companies but at this point we are at an impasse and I find it necessary to reach out to you and ask you for your assistance in this matter.
My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!
Our loan was sold to Freedom Mortgage. We have a XXXX ( k ) FHA Renovation Loan, because we purchased a historic home that needed a lot of rehab work. Our loan closed in XX/XX/2013. 

Our loan documents state that we will pay a monthly mortgage insurance premium until our home reaches 78 percent loan to value of the original purchase price, assuming we paid an up front mortgage insurance premium - which we did do ( our loan documents confirm this ). 

Freedom Mortgage requires you to contact them via email to request information about removal of Mortgage Insurance. I emailed them to confirm the process, since we are just a couple of months away from reaching our 78 % loan to value to be eligible to remove the Mortgage Insurance. They responded with a letter with one line telling me that because my loan is a FHA XXXX ( k ) Renovation Loan, the Mortgage Insurance is required to stay on for the life of the loan. I responded with more information, and have now received three letters saying the same thing.

Federal rules changed in XX/XX/2013 such that many new FHA loans DO require Mortgage Insurance for the life of the loan. But our loan closed in XX/XX/2013, and so those new rules do not apply to our Loan. 

We have not refinanced. We are nearing the 78 % loan to value and in a few months will be eligible to request that the Mortgage Insurance ( quite costly per month ) be removed, per the conditions of our loan. But Freedom Mortgage is refusing to acknowledge this. I have sent them scanned copies of our loan documentation, information on the changing mortgage insurance rules, etc. They just keep responding with the same information - a one-line response saying the Mortgage Insurance will stay on for the life of the loan, blatantly different from the terms of our loan documentation. 

I even confirmed I am right with the loan officer who secured our original mortgage. 

When you call their number they provide, the people who answer tell you that they think you are right, but that they have no ability to communicate with the people who send the letters. In fact, they say the department that sends the letters does not even have a phone number. 

I am hoping this helps others and helps us to get the issue resolved.
Ditech Financial started foreclosure proceedings against me XX/XX/2016. I live in XXXX. They have filed and recorded fraudulent and forged foreclosing documents in the XXXX County Recorder 's Office. They have refused to verify these fraudulent documents subsequent to my repeated requests in violation of the California Homeowners Bill of Rights.
Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.
Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.
I received a copy of my credit report and noticed that TransUnion was reporting tax liens. I then sent dispute letters to TransUnion to get verification of these tax liens that are showing on my credit report. I received letters back from Transunion stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have th e right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien. They have not provided the method of verification.
This bill has always come and always been in my mothers name. I was an authorized user on the account so that I could pick up my mothers diapers and other living needs while she was under medical care. My mother passed away on XX/XX/XXXX. I still have her last bill that was mailed out for payment with just her name listed for the account holder. I called this company to advise them of her passing so they could close the card. Once that happened I personally started getting collection letters and phone calls to pay the balance owed on her card. I explained to them that I was only an authorized user and that they would have to wait for her estate to be settled. The company kept calling me about payment and I asked them why they were contacting me about this bill and they insisted I was a joint co-owner on the account. On XX/XX/XXXX I asked them on the phone to research this because I was only an authorized user. They said that they would hold off on collection calls for 10 days while they researched it and get back to me. I knew that I needed proof of this request and that by doing it over the phone I had not proof I sent them a letter requesting verification of liability for the debt and I faxed it to them ( retaining the fax confirmation for proof of receipt ). I never heard anything during that 10 days but on the XXXX day, XX/XX/XXXX at XXXX, I received a collection call from them to pay the bill. They still had no further information to prove that I was a joint owner on the account. Each time I would talk to a representative on the phone, they would never have an answer for me. On XX/XX/XXXX XXXX they mailed me a letter that requested payment again which I received at my home on XX/XX/XXXX. I promptly replied with a phone call, which they told me that they did not have a way to contact the dispute department at their company and that I had to fax or mail in my birth certificate and social security card so that they could verify my identity. I was not comfortable sending them in my confidential information so the lady told me my only option was dispute the client with the credit boroughs. So on XXXX I mailed and faxed them ( keeping that fax confirmation for delivery receipt ) another letter advising them that I was not responsible for this debt, I never authorized to be a joint owner, and that according to the Fair Debt Collection Practices Act ( FDCPA ) and in the letter I sent them 30 days prior that requesting verification of liability of the debt, that I needed them to correct this, remove the item off my credit report and remove any derogatory comments on my credit report. I was in the process of doing a home refinance and their negative reporting was impacting my ability to obtain a better credit rating and standing. As of XX/XX/XXXX I still have received no communication or follow up on my request for verification of liability and they have completely ignored my inquiry and requests for verification. They continue to call me for payment and report negative and derogatory notations on my credit.
XX/XX/XXXX I revived an email. Telling me that i had did a great job with my card. They would refund my XXXX $ security deposit on my account. They also said apply on there app for a higher line of credit. I did and they turned me down. When I started8 mouths ago. My credit score was less than 600 way under now almost 700 so why did they turn me down
I have an account XXXX Account # XXXX. Is reporting inaccurate information to Equifax. Its deleted with XXXX.
A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate.
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.
I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.