WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX/XXXX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.
I have recently had direct deposits delayed into my account by 23hours 59 minutes. I am concerned that Regions Bank is pulling the same scam that XXXX was. Why not? nobody goes to jail. Small fine. good scam.
I 've disputed these items with Experian on several occasions now. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 
Attached is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

See enclosed agreement information for the " Deferment End Date ''. 
According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. 

I 've attached my Class Enrollment Schedule, showing enrollment in XX/XX/XXXX. 
These XXXX items from XXXX XXXX should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter Experian sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX is in violation of the FCRA, they 've reaged these items. 



Enclosures : Agreement XXXX pgs Student Class Schedule XXXX pg
I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.
I am submitting documentation from XXXX credit reporting agency about a problem I am having with XXXX credit reporting and transunion credit reporting agency. I have 2 XXXX XXXX credit cards one account is reporting as a negative account with a late payment ( which is incorrect ). Ive disputed this wrong information with all 3 credit reporting agencies. XXXX has confirmed after there investigation that these accounts were never paid late. But transunion and XXXX  are still reporting it as a late payment. They are also reporting that my XXXX account has late payment which is wrong also. Transunion and experian should have received the same results as these accounts were never paid late. They refuse to correct my credit report. It is affecting my credit score with this false information.
Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted. 

I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly. 

I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections. 

Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter. 

Judgment # XXXX
On XX/XX/2017, I sent Early Warning a procedural request letter, citing FCRA section 611. I sent this request letter via Early Warning 's Consumer Services online portal. I have confirmation that Early Warning Consumer Services employee XXXX viewed and downloaded my letter on XX/XX/2017. 

Per FCRA section 611 ( 6 ) ( B ) ( iii ), Early Warning should have responded to my letter, no later than 15 days after receiving my request. I did not receive a response from Early Warning pertaining to my request letter dated XX/XX/2017.
I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. 

Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX  PD number XXXX. 

I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. 

The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. 

WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?
I have a credit card from Barclays Today I received a letter form Barclays indicating that if I did not use my card within the next 45 days ( Williams Sonoma card account ) they would not renewnot renew my card. The card has a XXXX balance. 

Is this legal? 
XXXX XXXX
I made two on time full payments to my loan servicing company Mohela and all of the payment was applied to interest, there was no late payment or any other fee 's.
Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report. 
Original loan was indeed in my name but in XX/XX/XXXX Came a divorce. 
In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor ( Mortgage Lender ) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.
I have several unauthorized/unrecognized inquires on my Trans Union Report that I do not recognize. I have submitted an Dispute to Trans Union But I have n't gotten a response. The inquiries in question are ; XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX.
I filed a dispute with TransUnion, XXXX, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB.
Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.
I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
I have banked with Bank of America for 51 years, starting in XX/XX/XXXX. On XX/XX/XXXX, I  received two letters saying they closed my accounts out. I have no idea why! I went to my local branch who called and was told they are not allowed access to the reason why. I now have checks bouncing, have two XXXX XXXX direct deposit checks coming to a closed out account, and no access to my money!!!!! This is outrageous! They told me my money was mailed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received it and I have no access to my money! It does n't take this long to get mail and they should have expedited this amount of money! Why did n't they call me and tell me to go to my branch and get a certified check BEFORE they closed my accounts?!!! I called the number on the letter and they WO N'T tell me why either. They just repeat over and over that they have the right to terminate my accounts. On XX/XX/XXXX, I made several more calls to XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was the only one who was not smug or rude. She said my accounts were ruled " high risk ''! She even reviewed my accounts and said that she saw nothing out of order.I get a CA-PERS and social security direct deposit once a month. How is that high risk?! I 've done nothing fraudulent. I have never been arrested or even had a parking ticket!!!! I guarantee that this is a mistake. I did NOTHING wrong!!!!! I do n't have a clue as to why they did this. XXXX told me they sent my money to me 4 days ago on XX/XX/XXXX, but it may take 7-10 business days! Why are they allowed to do such a disgusting and harmful act without telling me?! Please contact them, find out why they did this and get my money back ASAP!!!!!! This is so outrageous egregious and an abuse of their authority. What if they did this to you? Why are they allowed to do this to people then say XXXX you, we do n't care? 
Thank you for your much appreciated help.
I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!
I am submitting this complaint about experian credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my experian credit report for months now. To reach a live rep at experian was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however experian is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't experian receving the same response? I do not no what is reporting on XXXX as I haven't been able to view a current report from them either. I requested an updated XXXX report but never receveid one.
Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.
I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. 

I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. 

Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. 

Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.
An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.
I paid off a XXXX XXXX loan in 2010. I have all the paper work showing it has been paid off. However, every year I have a different company contact me about this debt. I have continued to forward the paper work ( including : bank statements, letters and account numbers, etc. ) all showing it has been paid. How do I get these companies to quit contacting me, when I have already settled the debt.
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN XXXX = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON TRANSUNION. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
TRANSUNION                                                 XXXX                        
1. XXXX XXXX XXXX                                   1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX  vs. Transunion,LLC    and XXXX, et al v. XXXX XXXX

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX
I have a XXXX XXXX car that was purchased in XX/XX/XXXX and I paid off the loan in XX/XX/XXXX. The BMW financial service handled the loan and I have a lien on my title. In Maryland, in order to remove the lien on my car 's title, BMW has to mail me a lien removal letter with the original loan amount and date and the loan release date. I contacted with them multiple times to request the correct letter. They mailed me two letters without the original loan amount and date on the title, and I brought them to XXXX and none of them are qualified. I show them XXXX 's requirement of lien removal letter, but they refused to provide me the CORRECT document and keep saying the WRONG documents they sent me is correct. 

First, they are CHEATING the customers about the incorrect lien release letter. 
Second, they intended to not give me the CORRECT documents and asked me to try many XXXX to see if I have some luck. 
Third, they are unwilling to make any effort to serve the customer. The effort meant by me is simply including the correct information on legal documents. 
Second, their refusal prevents me from selling my car.
I applied for a home equity line of credit on  XXXX / XXXX / 17 . Before they pulled my credit, I paid for m y credit score  with   XXXX   XXXX  . My FICO scores came back as  XXXX , &  XXXX . I notified Key Bank to pull my credit and apply on the same date. My loan was declined because m y credit score  was  XXXX . No one can give me an answer as to why there is such a difference on the score, on the same day. Key banks report says that  XXXX  was used for their report. I have viewed my credit report and do not see anything unusual on the report.