WillisBack/dataset-financial-user-claim huggingface dataset:
I began disputing these items with XXXX XXXX, XXXX and Equifax beginning on XX/XX/XXXX I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. I have also complained that the payment history is reporting inaccurate as well, but Equifax and XXXX XXXX continues to report inaccuracies on my credit reports.
Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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. XXXX/XXXX  XXXX/XXXX.
Hello i received a notice that my account was gon na be a XXXX spending limit and i wasn't happy about it and i was a victim of identity theft and american express dont give a XXXX about and this is my second compliant i flied because i didnt get a phone call from the higher office and i cancel the card due to them not looking into restore my pre set spending limit and i called again they told me they couldn't restore my account due to my score is low and its at XXXX which is incorrect and my information was stolen and i send the documents over to the credit dept and my bank statements and my tax returns and i recived a phone call from the credit dept and saying they got the paperwork and they told me they will get back to me in few days to restore my account and i still havent heard from them and i did provide them my identity theft report and they also received that to all of this on XX/XX/2018 they called me on XXXX and told me that my account will be restored in few week i dont know if this a lie or what and each time i reapply they dont put a inquiry on it just pull a old experian report and my score went up by 46 points as of XX/XX/2018 i want american express to look into it
I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.
As I see the most recent news into the lawsuit against XXXX, I have to reach out in regards to another XXXX loan agency -- NJ Class. These loans are administered by a state agency, the New Jersey Higher Education Student Assistance Authority ( NJHESAA ). The constant disorganization of the company and the horror stories I hear from other people -- I feel like this is a prime example of a loan agency unwilling to help students pay back loans affordably. These loans come with high interest rates with no end in sight on when or how to pay back. The site has not been updated in 10 years, making it extremely hard to track progress and understand loan payback. They do n't offer good refinancing options -- only a 25 year option. Their customer service agents are rude and condescending. I 've had several incidents where I called and one agent told me one thing & the other told me another -- which in the end costed me hundreds of dollars in interest that went into their pocket. There are a few inconsistencies with bill dates & how much interest you accrue. Overall, they are not an honest & reputable agency -- like XXXX, they should be looked into. I have been lucky enough to pay off most of my loans to date but I know the struggle and strain it has put on myself, my parents, my brother, and friends.
I originally opened up a checking and savings account with Wells Fargo. The in approximately XXXX XXXX, I was notified by Wells Fargo through email that they were closing the savings account and adding another or secondary checking account. I did n't really understand the reason why ( maybe to allow for overnight sweeps/loans ) but I let the action occur. Then I transferred money into the secondary account as a lay away fund for a home improvement since the account was there. I gradually moved the money back into the primary checking account and was going to transfer all money back around XXXX/XXXX/XXXX when I noticed the account had less money than I noticed before back in XXXX XXXX. 
Wells Fargo deducted XXXX {$10.00} fees for not maintaining a certain balance in the checking account. 
My opinion is that this second checking account was added to generate just these kind of fess as XXXX checking accounts I do n't need as a consumer. 
Attached is a Excel spreadsheet for the time period of XXXX/XXXX/XXXX XXXX.
On XXXX XXXX at XXXX I ordered a toaster online at walmart.com for free same day pick up at a Walmart store and charged it to my Walmart Mastercard. I watched my account throughout the day to know when it would be ready for pickup at the store. After waiting all day, I canceled the online order, after also calling walmart.com three times and calling the store where the toaster was supposed to be ready for pickup the same day. Walmart.com cs agents tried to tell me they could n't hear me and something was wrong with my phone. Nothing was wrong with my phone because I talked to others on my phone the same day and we had no problems.Walmart.com cs agents " XXXX '', " XXXX '', and " XXXX '' could not answer my questions or solve the problem of WHEN or if the toaster would be ready to pick up. The Walmart store I called transferred me and put me on hold XXXX or 5 times and nobody ever did pick up the phone in customer service so I could n't find out if the item was ready for SAME DAY pick up so I cancelled the order online in my Walmart account on XXXX XXXX, 2016 around XXXX. I also called my Walmart Master card account at XXXX on XXXX XXXX, 2016 and spoke to someone named " XXXX '' and told him the {$16.00} charge for the toaster I never picked up should be removed from my Mastercard. Today I checked my Walmart mastercard balance and transaction history and there is still a {$16.00} charge on it -- apparently for the toaster -- which I never picked up because it was n't available for same day pick up as promised by Walmart. I called my walmart credit card again today and got the runaround by the cs agent. I then asked to speak to a supervisor and was placed on hold. She came back after awhile, asked, " Are you still there? '' " yes I am, '' said I. She said it will be XXXX or XXXX more minutes. I waited, then hung up because my only phone is a prepaid cell phone with 250 minutes per month, and I 'm wasting those precious minutes and my time on these kind of phone calls. Walmart mastercard knows this as I have told them, so apparently putting me on lengthy holds assures them I will have to give up and hang up.
This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU COMMONWEALTH OR THE COMPANY XXXX OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!
I am currently under contract with Big Pucture Loans LLC. I borrowed XXXX XX/XX/2016 and I am still paying on it. It has a apr of 783.0324 % which is outrageous. The total i will pay out will be XXXX. When i went online to find out how contact them a headline stated the company was fraudulent. I then found out they are not authorized to conduct buisness in the state of Washington due to the outrageous APR.
I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.
On XXXX XX/XX/2018 I disputed a late payment with Experian. 

The late payment was from XXXX XXXX XXXX  for XX/XX/2018. The account was closed a month before on XXXX XX/XX/2018 and marked paid. According to The XXXX XXXX XXXX XXXX, you can not add late payments to an account AFTER it is marked closed. 

I disputed this account on XXXX XX/XX/2018 and less than 48hrs later, Experian closed my dispute WITHOUT validation and investigation into my dispute which is negligent. 

Nor did they follow the law. My account was closed and paid in XX/XX/2018. You can NOT add a late payment for the month after an account is closed. The account is closed, therefore I no longer have a payment obligation.
OnXX/XX/XXXX I was contacted by a man claiming to an officer. He stated I was involved in a crime and I needed to send him {$8000.00} by wire transfer. A wire transfer was set up on my account. On XXXX I decided to go to XXXX Bank in XXXX where the wire transfer was set up. I told them what happened and was told they would stop payment and the receiving bank, Chase would catch it. I was told by XXXX Bank they would contact Chase Bank to let them know this is fraud and not to allow it to be processed. 
OnXX/XX/XXXX we went to Chase bank was told the wire transfer was pending and but they had to go through before they were able to refund the money. The Fraud Dept. stated the process to stop the wire could take three to five business days. They advised that they would debit the fraudulent account and refund my account within 7-10 days. We contacted Chase continually to refund the money and they did not return our calls or refund the monies.
Hello. Today, XX/XX/XXXX, I deposited two USPS money orders at a Chase bank - directly to a teller. The amounts were : {$1000.00} and {$200.00}. Upon depositing these USPS money orders, the teller informed me that only the smaller amount would be made available immediately and that the larger one ( {$1000.00} ) is put on hold until XX/XX/18. 

I was unaware that USPS money orders, under the amount of {$5000.00}, are federally subject to next day availability. Upon discovering this just minutes ago, I called their Customer Service line and informed them of the aforementioned. I was then informed that I should call back tomorrow to see if their Deposit Hold department would help me out and expedite the USPS money orders for me. 

I was counting on these money orders and went through USPS specifically because they are the most trusted.
I have 2 credit cards from CHASE : one VISA and one MASTER CARD. I applied for CHASE British Airway Visa credit card on XX/XX/XXXX. I received a letter letting me know that they could not confirm my information on the application against my current credit cards information with Chase and I need to provide a proof of Date of Birth and current Address reference number XXXX. <P/>I came to Chase bank 2 times to have them fax my passport and my driver license to the fax number provided on the letter. I also mailed a copy of each document to the address provided on the letter. <P/>I received another letter letting me know that Chase had a concern that someone may be using my personal information fraudulently and need to call Chase to confirm if I was the person submitted the application in 30 days from the date of the letter on XX/XX/XXXX. <P/>I called Chase today XX/XX/XXXX to confirm that I submitted the credit card application. The person from fraud department was able to verify my information and there was no fraudulent activity. <P/>However, they told me that everything is fine but they had closed the application and I have to reapply. <P/>There has not been 30 days from the date of the application XX/XX/XXXX nor from the date of the communication letter of XX/XX/XXXX and all of the requested information / documents being verified. <P/>Why did they close my application and I have to re-apply? <P/>There was a hard pull on my credit profile and damaged my credit profile due to this application denial.
XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request.
THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE FRAUD.
I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.
Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.
Also, not enough information to verify debt. This company was submitted this collection by XXXX in XXXX 2014, they are just now reporting. I have contacted all parties involved. CCS is giving me inaccurate information and will not provide me correct information in any form. I never knew I owed this amount and never have received any information until it showed on my credit report today. They show inaccurate coverage of vehicle for the insurance as well. I do n't believe they have any rights to this collection at all.
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.
An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX removed the inaccurate entry from my credit report and sent updated copies of my report. However, Equifax said they investigated the entry and that it is accurate. Equifax knows that I have been having ID Theft issues probably from the breach of Equifax 's own records. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail and they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have no response from XXXX XXXX and under credit reporting laws the period for them to have responded has elapsed. I then sent Equifax another letter, via tracked priority mail, along with a copy of the dispute letter that I sent to XXXX XXXX and informed Equifax that no response was received from the provider that Equifax is trying to say is responsible. Equifax provided no repsonse from the secodn dispute with the additonal infomation that I provided them and over 30 days has elapsed since Equifax received the dispute. Equifax must feel that it is less costly to not properly investigate the inaccurate entry on the credit report rather than to follow Federal Laws that state credit reports must be 100 % accurate and that unverifiable data must be removed. 

Secondly Equifax also shows an entry from XXXX California XXXX. I disputed this previously and they indicated that they removed the data from my report. However the entry once again is showing on my report. I believe this item has been illegally re-inserted into my report. It is illegal because since I was notified that it was deleted I have never been notified as required by Federal Law that it was going to be inserted back into my reports.
I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
I had an account for many years with Bank of America ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on time.