WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 There was a mobile deposit into my bank acct with wells Fargo. My bf was contacted by some random individual who states he was doing loans through the govt and he would be eligible for a loan once he gave bank info to prove his identity so be proceeded to fall for the scam and provided the info. The money was deposited he was instructed to follow through the next morning by pulling the deposited amount of {$1500.00} and to go do a XXXX to XXXX transaction, so he goes to XXXX pulls the money after trying to use the debit card for one transaction In the amount of XXXX ( I believe it was ) and once the card declines after trying to do the second transaction he is instructed to get the cash and get the balance in prepaid gift cards so of course he does so as he is promised a XXXX loan once the transaction is complete. Once I am made aware of the situation I contact the bank tell them to not allow any transactions so the rep closes the acct and proceeds approx a week or two later. Wells Fargo went into a totally different acct which was my childs account and withdrawls {$1500.00} to cover their loss of the funds after they allowed the check to process after I advised against it. The acct that they deposited into and took out of was not in my bf name either
What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax
I lost my job due to career change. I had to take a job in XXXX, Texas. My primary residence is in XXXX, Texas. I discovered Lowes Home Improvement was charging me an excessive 24.99 % APR and called them to ask for help since I was having financial difficulty managing XXXX separate households. They connected me with Synchrony Bank hardship department. The understanding I had with them on the phone was they could help me with a lower interest rate, BUT, I needed to close my account first. So reluctantly, I closed the account. However, its now been over a month since I did what they asked and I have yet to see a lower rate? All I 'm asking for is a little help. I do n't feel like {$150.00} a month in interest is fair. Especially towards someone that 's been a valued customer for over 15 years. I just ca n't see the logic in paying that much interest on an account that 's since been closed. Please help me.
On XX/XX/XXXX i received notice from XXXX, XXXX and XXXX that my credit report has changed. After checking my profiles I noticed Security Credit Service added collection accounts to my report. To my Knowledge I do not now nor have I ever had a contractual agreement with Security Credit Service or XXXX XXXX. XX/XX/XXXX after viewing my credit report is the first communication I have had with Security Credit Service or XXXX XXXX.
I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.
Hunter Warfield is a debt collection agency for XXXX XXXX XXXX apartments where I used to live in XXXX. I made an agreement with XXXX XXXX to pay off the debt, but I lost my job after I made the commitment and was unable to pay the balance due. I was unable to receive unemployment, so I had no income coming in and in the process I lost my mother whom I was taking care of. I finally got a full time job in XX/XX/XXXX and I started making payments towards Hunter Warfield in XX/XX/XXXX when I finally able to speak with them. XX/XX/XXXX {$120.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX - {$75.00} and XX/XX/XXXX - {$75.00}. The last two checks had to send a sigh receipt because they are holding on to the checks and stating that they are receiving them late. It only takes three business days from Maryland to Florida. The check for XX/XX/XXXX has not been cash but they received it and when I spoke with them today, they stated I was referred to an Attorney office because I didn't send the checks on time. I filed a compliant with XXXX  of Florida but no results and no resolution. It was just left alone. Why am I going to court when I am making consistent payments to the collection agency and we never discuss a particular date that it had to be in there office. It's like they are bullying people to get what they want, know what it takes to get it.
I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee. 

My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 

What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account. 

I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure. 

I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Regards ; XXXX
RE : Complaint # XXXX ; Received an email from CFPB, stating that PNC Mortgage is still working on my complaint on XX/XX/XXXX. ( SEE ATTACHED ). 

On XX/XX/XXXX, I receive a letter by mail from PNC Mortgage date XX/XX/XXXX ; stating that no further action to my complaint is required. ( SEE ATTACHED ). 

CFPB is saying one thing and PNC is stating something totally different. 
As I have stated in the past, PNC Mortgage does whatever they want to. This company marches to their own drummer and XXXX the laws and the people that they are supposedly working for. PNC transferred my account because I refused to let them XXXX me! 

SOMEONE NEEDS TO KEEP A WATCHFUL EYE ON PNC MORTGAGE!! WHERE IS MY {$510.00} MONEY ; OR DID YOU TAKE IT ALONG WITH MY INSURANCE REIMBURSEMENT OF ALMONT {$1400.00} FROM SEVEN YEARS AGO?
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.
Navient is harassing me by calling me multiple times a week as well as calling family members ( grandparents, parents, and siblings ). I communicated with them over the phone and yet they continue to leave messages with various family members after I have spoken with them. They have left personal information on the voicemails of family members and have threatened to take action. They have not been easy to communicate with, they have been extremely rude, and I am struggling to reach an agreement with them. I am sending them payments monthly but they are refusing to work with me and continue to threaten legal action. I have never dealt with a more difficult company.
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : ALLY FINANCIAL ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
I have a debt on my credit because an apartment that I rented when I live in Arizona. The company after contact me several times give me an option to pay. After I paid the amount we accord they will take out the collection from my credit. I paid the amount they told me on XX/XX/16 and the debt still on my credit as collection. I try to contact the lawyer who contact me several times and no answer. Also I call the company who give me the phone number of the lawyer office and when finally somebody respond they send me to call lawyer office because they can not do anything. As result of this I been trying to rent an apartment for me and my daughter and all application has been denied.
S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe. 
Amount {$290.00} FALSELY reported to the credit bureau 's. 
Never provided me with any documentation.
On XX/XX/2017 I spoke with XXXX ( extension XXXX ) at Credit Control Corporation who was not able to give me any information on the alleged debt that I owed and refused to answer any of my questions. She was not able to provide me any form of evidence with my signature on it between me, them, or XXXX. I have no dealings with this company and owe them no debt. They are illegally reporting this on my credit profiles and it is adversely affecting my credit score. As of today XX/XX/2017 I called again and spoke with XXXX who again was unable to send me any information with my signature on it on any agreements or contracts between me, them, or XXXX. She told me that the itemized statement is enough to validate it and it is not.They have absolutely no documentation whatsoever with my signature on it and refused to give me their license number or prove they are authorized to collect in my state.This is also day two that they claim a supervisor is not available.They are also one of two separate companies trying to collect on this same debt. They are reporting twice for different amounts ( {$210.00} & {$250.00} ). This is unable to be validated or verified and must be deleted per the FDCPA.
Please remove the following account from my credit report the following accounts was disputed before and deleted from my Experian credit report.Upon checking my credit report again I received an alert that a collection was added to my credit. 
XXXX please see attachment In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... ..
My XXXX year old daughter is getting phone calls daily during school hours threating her when she has answered the phone stating she is not the person they are trying to contact and messages left daily on her phone. They call her daily and continuously, I have called and asked them to take her off their call list on multiple occasions, left messages and to no avail. I do not believe my XXXX year old should be harassed when clearly she is NOT the person that owns this debt. Harassing a minor can not possible be condoned for the collection of a debt. Causing undue stress to a young XXXX girl should be considered bullying!
XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.
I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.
Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..
On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. 

has this as notice on my credit report Experian and this company has invaded my privacy ftc violation cra fiar credit act
I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.
EQUIFAX seems to have problems with my credit file.I notified them that on XX/XX/2018 XXXX credit works premium was unable to pull a equifax report and has not been able to since.After talking to Equifax I have sent in by fax my ID and address info. they requested.No one can pull an Equifax file on me.I can not either through annual credit report.com.I can not function in the credit world due to Equifax computer problems.

Could we make XXXX part of the BIG THREE and tell Equifax to go to another country?

I ordered a credit report from Equifax Shortly after XX/XX/18 and it has not arrived.They keep saying they are mailing one but it doesn't arrive.I have no problems with XXXX or XXXX   reports.
I have a loan with Honda Financial Services. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 

This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. 

Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. 

I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.