WillisBack/dataset-financial-user-claim huggingface dataset:
I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX Bank for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.
In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.
There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.
I received a notice from XXXX XXXX XXXX XXXX XXXX today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.
These companies, I have sent Certified Letter 's on XXXX XXXX, 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. Equifax- XXXX Inquires - XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires - XXXX/XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income. 

FYI I SUBMITTED A COMPLAINT UNDER MY MARRIED NAME THAT WAS CLOSED FOR THAT REASON
I opened a business account on XX/XX/18 with chase I still have not received the debt card I have been calling chase i was told to go to the bank to request a new card once there I was told that the card couldn't be sent to the address on file so I call the call center again spoke with 3 people one opened a ticket to send the card out overnight one said the card was sent and should arrive the next day then the last one said no card was sent and she also was the first person to tell me that the banker should have sent the card out I've been calling the bank ( the physical location the one that refused to send the card out ) back to back for over an hour with no answer at the end of a week long search for a debit card I'm still left with there is nothing I can do your account is too new to do anything over the phone and we can not send a card to your address because it's an apt .
I filed a complaint with your organization against my lender Nationstar/Mr. Cooper a few months ago. I was hopeful that Nationstar would understand my situation and agree to work with me towards a modified mortgage loan. Instead, Nationstar/Mr. Cooper has refused to negotiate and is claiming that there are no options for me other than deed in lieu or short sale. they are claiming this is due to the fact that the " investor '' only allows one loan modification over the 30 year life of the loan. Nationstar has not provided the name of the investor. they have not provided a copy of the pooling and servicing agreement. They have not provided documentation on the other loans in this tranche. This was a subprime loan with an interest rate that STARTED at 9.37 % and was written by XXXX. I would be ASTONISHED if this investor truly only allowed one modification per life of loan, because this was a toxic pool of loans that were adjustable with high interest rates. I am certain there have been multiple defaults and also many instances where there were multiple modifications. This appears to be an attempt by Nationstar/Mr. Cooper to obstruct me from access to government and internal programs that should be made available to homeowners in my situation. 

We encountered a true hardship in XX/XX/XXXX. My mother fell gravely ill and I had to travel to the XXXX XXXX to care for her. I was not able to work for several months while caring for her until she XXXX. Right when I returned my wife was laid off of her job so were financially strapped and that's when we fell behind. We attempted to work something out with Nationstar and could not make any progress. We hired a third party to help us and they did nothing. Several months ago we reached out to Nationstar to try and get them to complete a review because we have had a change in our financial circumstances. Nationstar ignored us, so we filed complaints and got their attention. However, even after doing that they refused to review this information. We are both working and have our adult children living with us who are contributing. I don't understand why they won't look at our information. Nationstar is claiming it is because we received a past modification and that the investor does not allow a second modification. I do not recall receiving a modification in XX/XX/XXXX. I do not recall an offer for a reduced interest rate and reduced payment. We were told on the phone that it looked good to qualify, but then on a future call that person was no longer working there and they told us no, it did not look like that option would be available. 

We need Nationstar to stop playing games and to postpone the upcoming sale date and actually conduct a review based on our current and correct financial information.
RE : XXXX XXXX XXXX Bank Credit Card issued to XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX there was NO correspondence whatsoever pertaining to any balance. Our card was paid in full with no balance. We received no emails whatsoever, nor did we receive any actual mail through the USPS. We validated all forms of contact and identity. The first we heard of any kind of amount due was a late/collection notice in XXXX, stating the annual fee was due in XXXX/XXXX. There had previously been no lates, no balance, nor any annual fee charged in previous years. When we tried to further inquire, US Bank stated we needed to mail them a letter requesting the reversal of the late charge ( s ). We did so immediately and never heard back. In XX/XX/XXXX we received a statement with a XXXX balance, with XXXX amount due. In XX/XX/XXXX we received a statement, citing {$78.00} due, of which {$29.00} was a late charge. When we called in to speak with US Bank, one of the 2 supervisors we spoke with stated that on the back of the XXXX statement that showed a XXXX balance it noted that the {$49.00} would soon be due. There was no statement in between no amount due, then annual fee and late charges issued ( from the XXXX to XXXX statements ). We were never presented the opportunity to pay the annual fee in advance, in either instance. My complaint and desire for resolution is for US Bank to remove any and all lates reported to any and all credit bureaus for XX/XX/XXXX and XX/XX/XXXX due to deceptive inconsistent communication leading to unwarranted credit issues. We have made sure that the USPS always had and continues to have a mail forward on file to avoid such issues while we purchased our home. No other cards or accounts have had this issue.
A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP
I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

XXXX XXXX
Quick Click has my information for a loan. I did not request the loan and did not know about the loan until I saw it on my credit report and challenged it on my credit report. In response I got a notice from a 3rd party that a lawsuit has been filed. I checked court records and it has been filed although I have not yet been served by XXXX. I did not take the loan out nor have they responded to my request for validation after I found it on my credit report. I am formally filing a complaint to log all of the debt collection violations they have done. They have not validated my debt and filed a lawsuit against me without validation.
Credit Collection Services continues to send me notices and letters demanding payment of an alleged medical bill in the amount of {$60.00} with my daughter named as the patient. I have sent 2 certified letters, one certified letter was signed by Credit Collection Services on XX/XX/XXXX and the other letter was signed by Credit Collection Services on XX/XX/XXXX. In both letters I told them I was disputing the alleged debt and I also asked for validation of this alleged debt. I have not received any valid proof that this is even my debt. On XX/XX/XXXX I received another collection notice by U.S. mail from Credit Collection Service still trying to collect on this alleged debt. The fact that they just received my certified validation letter on XX/XX/XXXX ( I have the signature card to prove it ), and they sent me another collection notice dated 7 days afterwards makes me believe that they are intentionally sending me harassing letters and refuse to send me valid proof. They are violating my rights as a consumer. They are also causing me XXXX and harm due to this situation. As I stated in my certified letter, I want all valid proof I requested of alleged debt addressed to me specifically and all communication in writing only and sent to my home address.
I leased a XXXX XXXX in XX/XX/XXXX. I started to have some financial difficulties towards the end of the lease in XX/XX/XXXX. I was behind 3 months to the best of my knowledge and the vehicle was repossessed XX/XX/XXXX. I waited for a final bill and was shocked when I was charged and additional over 5K plus the outstanding balance which as only 3 months. My payment was XXXX per month. I then called XXXX XXXX XXXX ( Chase ) and asked why I'm being charge so much. I was told when they went to sell the vehicle, it sold for less than what was expected, so that difference goes to me. Again, I have never heard of this type of process when dealing with a lease. I know I was over the mileage and I expected to pay that as well. However, I was told by the dealership ( XXXX XXXX ) all I had to do was fulfill my lease agreement and if for some reason I went over the mileage I may be responsible for the overage. Depending on if I went into another lease or purchase. Mileage was a concern when I purchased the vehicle. The dealership assured me that it could be worked out. I feel like I was lied and taken advantage of. This was my first lease as well.
I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. XXXX XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
i appli ed two credit cards from CITIBANK web online,    XXXX   accepted my applications and send me cards, i spent both cards amount what they were showing on their online promotion, but i did not get same promotions fro m Citibank, i called them and i went my Citibank branch, i faxed their online promotion offer copy   and i mailed them also.   so far i did not get my bonus offers.   they wa s two sep arate offers ; first card offered ; earn  75000   XXXX  h honors bonus points after making $  XXXX  in purchases within the first 3 months of account opening. ( which i spent more than $  XXXX  but i did not  get 75000 bonus poin ts ) second card offered ; e arn 2  weekend night certificates after $  XXXX  .- in p urchases within the first 4 months of account openin g ( w hich i spent more than $  XXXX  .-, but  i did not get certificates ) please help me  get my 75000 bonus points and 2 night certificates from Citibank which they were publishing on their web page that day i applied both cards, i am sending both copies i printed from Citibank web page.    this is a corruption and cheating from customers!
I have been a XXXX ( XXXX ) for the last nine years. This means that my income is not steady, fluctuating with whatever work I find. This also means that I contacted Navient numerous times about my payments. I often asked for lower payments. But because I had to provide income proof, I could n't get my payments lowered. ( My taxes showed income that was higher when I actually had work. ) I was ALWAYS told that I had the option of not making payments for a period of time. Quite often I had to have that extended. I was not aware that interest rates would become so burdensome to my ability to pay back my student loans. Ridiculously, my monthly payment is now at {$1300.00} with {$1000.00} of that being interest each month. No matter how diligent I am at making these payments, I will never be able to pay this back under these circumstances. I am also a senior citizen.
I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.
There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please
I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in XXXX XXXX and EquiFax both and I do not remember I have authorized any one of them doing it,
I have a private and federal loan with Navient, formly XXXX XXXX. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost {$50.00}. Otherwise, I have to continue to pay {$89.00} because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional {$100.00} ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you contacted this loan providers, and they tell you that you are incorrect. I 've had issues with the company before, and it continues. I 'm currently unemployed, and I 'm back in school XXXX. This company continues to draft payments on XXXX loans each month and threatens if I do n't pay them it will be reported to the credit bureau.
My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX
I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX
On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.
I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.
I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.
They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.