WillisBack/dataset-financial-user-claim huggingface dataset:
I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Wells Fargo Bank Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. 
XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. 
XXXX new home construction of XXXX refuses to fix my home issues. 

XXXX XXXX has a law firm to denied my claim. 

I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX   with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. 
I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. 
My home is not in condition for me to be living because of molds, and repairs issues. 
What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? 
This is a very urgent matters. I am stress and i am prescription medications for my pains.
I received a phone call from XXXX A lady name XXXX XXXX with XXXX XXXX XXXX treating me with jail time of 5 years if I do n't send her {$4100.00} by money gram then they had me running around town to a walmart and I was supposed to be in phone checking the them every minute if the phone call got disconnected I would be arrested. They demanded not to tell any one and send XXXX money grams to XXXX XXXX in TX for {$670.00} and XXXX XXXX in TX for {$600.00}. that was XX/XX/2015. Today XX/XX/2015 call me from another phone XXXX But my husband cussed them out and they stop. Now they stole from me {$1300.00} I was afraid for my life it was so disturbing. They yelled at me and it sound so real.
Today I just called Capital One and asked them to delete the online account Id set up with them on their App. The representative told me you can never delete an online account at Capital One once youve set it up. Is that true? Is that the law? 

That sounded very strange, particularly in this era of digital theft and insecurity, that Capital One has the right to maintain your account information even when you request severance of all business ties with them? 

Thank you for reviewing my complaint.
I have my current loan for my1st house with XXXX XXXX XXXX ( Loancare ). I have been paying promptly my payments for the past 2 years. In order to get rid of my PMI, I have been following their instructions and as per they letter, it states : " If you would like to pursue a cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less ''. I have requested the appraisal, paid for it, and the LTV is now at 79 % for the past 4 months. Since I didn't have 2 full years of loan payment, they have asked me to contact back in XXXX ( never understood this, but anyway ). I have contacted them, and now they state over the phone : since you had an appraisal done, the LTV has to reach 75 %. On a new letter sent to me they are advising me I need an appraisal and LTV has to be 80 % or less. I have asked a few other brokers and accountant and they have never heard of the 75 % and have advised me to contact you. Also, this keeps dragging for over 4 months now and despite email communication, complaint about their services and phone calls I am still waiting for a proper answer. I really would like to understand my rights and since when once an appraisal is done I need 75 % of LTV, especially as this was never required in any of their letters. Thanks
Comentity Bank/XXXX XXXX was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
I have two items on my credit report with Equifax that I attempted to dispute in XXXX. I never received any notification on the status of this dispute. Today I called and was transferred to 3 different representatives and received absolutely no information on the status for the resolution of this dispute. Ask them what evidence or information they had to provide me with an order to show that this was my account or my claim and they can not find me with anything I 'd like to make a complaint against Equifax as I do not have any justification as to why this is on my credit bureau. These items are not appear on my XXXX credit report and this is negatively affecting me.
OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.
My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank.   XXXX  I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed.   XXXX  It has now be en 4 weeks,  I have called repeatedly, and I get the same response.
Transunion is refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
I have a mortgage with US bank and I was under the impression that it was federal law that they have to remove the mortgage insurance when the value of my loan goes below 78 %. 
The value of my loan is less than 78 % and they are telling me in order to remove the mortgage insurance I have to get an appraisal on the house as well as get something from city hall letting stating there are no Liens on the house. 

Why do I have to obtain these things when it is federal law that they remove it when the principal goes below 78 % of the original loan amount. It costs money to get an appraisal done.
Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.
Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX   and they have deleted this collection company from my reports, but XXXX  just keeps this fraud Collection on my report after multiple letters and corespondent to delete.
I have sent XXXX $ through quick chase pay to XXXX account which is fraud account. I called my bank and asked to cancel my transaction as this is wrong transaction and filed claim. But chase claim reports says that I sent money and XXXX is not releasing funds. They are saying its not chase issue. They cant do anything. I need my money back from XXXX account. 
How can I proceed further
Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.
I currently am living in my home and that I have had for 18 years. I got sick and requested a loan modification I am a XXXX person.On or about XXXX. I kept sending and re-sending loan modification pkg to Nationstar and they stating they did not receive it. After sending on numerous occasions approximately XXXX times.I kept calling to follow up on receipt. Finally they received the pkg on XXXX Rec 'd letter stating foreclose on my was put on hold due to the mod in U/W. I kept calling Nationstar weekly for an update and they kept requesting docs/ I received a letter from Nationstar dated XX/XX/XXXX stating they had received all documentation for the Govt Trial. Itsa 20-60 days for the pkg review,. The letter also provided that during the evaluation period, my house would not be referred to foreclosure. On XX/XX/XXXX, I called Nationstar to confirm if the mod was in review and it was. On XX/XX/XXXX I received a letter from Nationstar date XX/XX/XXXX stating addl docs were needed to evaluate the trial pkg. The requested documentation had already been submitted on XX/XX/XXXX to XXXX XXXX and he stated I had until XX/XX/XXXX to return the documents. On XX/XX/XXXX I contacted Nationstar for an update and spoke with XXXX XXXX. She stated she was newly assigned to my file and told I needed more documents, the same that had been sent on XX/XX/XXXX.I asked her to thoroughly check her system and she denied the documents were no there in the system. I insisted that she look again and she finally found the documents in the system, but still demanded I resumbit the documents. I faxed it to her on the same day at approx XXXX. I called on XX/XX/XXXX and spoke with XXXX XXXX to get a status update on the file. She stated nothing else was needed and the file was in U/W. On XX/XX/XXXX I received a call from the original representative who was handling my case and told me everything was in the U/W process and everything was going as expected. The same day I received a letter from a BK attorney stating my house was going to be sold at a foreclosure sale on XX/XX/XXXX. I called XXXX XXXX immediately to inquire about a possible sale. XXXX XXXX reviewed the system and told me there was no sale date on my house.I told XXXX XXXX that I could afford my home and just had a temporary set back due to my medical illness. I further advised her if my house was going to be sold, I would file for BK..On XX/XX/XXXX, I called XXXX XXXX again to check on the status of my modification review. She informed me that the process would take some time to complete and everything was progressing smoothly. I asked XXXX XXXX again about a possible sale date on my home and was told there was no sale date on my home. On XX/XX/XXXX, I received a certified letter dated XX/XX/XXXX stating the my property was in foreclosure and the title was expected to bee transferred to XXXX XXXX within the next 60 to 90 days. They actually foreclosed on my home and misrepresented and fraudulently handled my case. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX to inform me that my house had been sold on XX/XX/XXXX and he represented the new owner, XXXX.
On XX/XX/2018, this debt for { 10,973 } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account 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 you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Today XX/XX/18 I received a letter from XXXX XXXX XXXX XXXX   stating thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. On XX/XX/2018, we correctly reported your accounts high credit as {$3900.00}. Also, we have placed a disagreement code with a resolution dispute on your credit file to the major credit reporting agencies etc.There is no name, phone number, or extension to call anybody. I never disputed that the account 's highest credit was {$3900.00}. It shows on all my credit reports in XX/XX/2018 which I am going to upload. I don't understand what is going on with XXXX XXXX XXXX XXXX. First I get a call from a Resolution Specialist XXXX  ( spelling ) leaves me a message. I call her back and tell her she can call me back. She calls me back a few days later and let 's it ring twice and hangs up before I can answer my phone with no message. It appears that no one knows what's going on with my complaint going from customer service, to Account Specialist, to Supervisor who told me on XX/XX/18 when I disputed the {$1900.00} being wrong with XXXX that Capital One would not change all my credit bureau reports and my authorized user 's reports which is exactly what happened, to Resolution Specialist. Same date XX/XX/2018, received XX/XX/18, I receive another letter that XXXX XXXX XXXX XXXX XXXX is  going to change with the credit bureaus from {$1900.00} to {$1700.00}. I appreciate that you have gone through with the credit bureaus and changed amounts, but what you did was put the amount of {$520.00} on my credit reports instead of the {$1700.00}. I don't understand what's going on! So now that you have reported the {$520.00} to all credit bureaus and the card was used after that there was an increase in the amount to {$600.00} and change which is going to show an increase in my balance which is going to again affect my credit score/Fico Score.
in XXXX my personal info was compromised, my American express plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to American express and changed back the address the account was closed. 

they credited back the XXXX charges in XX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.
I have sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.
I had a credit line with XXXX XXXX XXXX with a minimum payment of {$35.00} a month. In XX/XX/XXXX i fell on financial hardship because I was a XXXX year old XXXX XXXX XXXX XXXX and missed a few payments. In XX/XX/XXXX my account was sent into collections because I could not afford to make the minimum payments.
on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request
XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate
I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. 
I feel like they are employing tactics that were outlawed for a few years now.
Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX