WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter dated XX/XX/18 to XXXX disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from XXXX dated XX/XX/18 that stated that XXXX updated this account to reporting as " Paid in Full ''. I received another letter from XXXX on XX/XX/18 that stated they were researching my request and would provide a response by XX/XX/18. After I received that letter from XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I received a letter from XXXX dated XX/XX/18 that stated the account was being reported accurately. I received another letter from XXXX dated XX/XX/18 stating again the account was being reported correctly and they provided a copy of a billing statement. I pulled my XXXX  report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was not marked in dispute on my XXXX report. XXXX has violated section 623 ( a ) ( 3 )  of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Called the customer service for the Chase Sapphire Reserve card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that Chase reported a complaint.  The Credit specialist at Chase is not giving me much information or having this resolved.
I would like to pay on my loan. However, the income base payments that they have asked are excessive! They base y income on a number that is prior to taxes and living expenses. I 'm not rejecting paying the loan. I 'm simply asking that they work with me in terms of the payment agreement.
good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.
XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.
I was a student at Indiana XXXX XXXX XXXX until XXXX XXXX. After this, I began paying my monthly payment to XXXX XXXX Loans at XXXX dollars per month. After six months, and XXXX other student loan payments I realized that I needed assistance in repayment. I contacted XXXX to be told that they has sold my loans to AES. 

Upon contacting AES, I registered and agreed to their three month reduces payment program. The program allowed me to make half payments of XXXX dollars for three months. This phone call took place on the XXXX/XXXX/XXXX. The woman on the phone explained to me that my payment due on XXXX/XXXX/XXXX would be included in the program, and if my online statement had not changed, that I would need to call back on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I check my online AES account and see that I have no due balance. I contacted AES customer service, and was told that my XX/XX/XXXX payment had been covered by a forbearance and that my half payment program would begin on XXXX/XXXX/XXXX. The details of what I was told have been documented by AES, and I have spoken to numerous supervisors about this. 

Believing that I did not have an XX/XX/XXXX payment, I received a letter around XXXX/XXXX/XXXX explaining that my loan was 14 days past due. I immediately called AES and explained the situation. The supervisor first explained to me that he was sorry for my misinformation but that I do in fact owe money. I asked the company if they allow their customers to be misinformed and then held accountable for their own mistake. The supervisor then informed me that he would submit my account for review, and that in 5 days I would no longer be past due. 

Two weeks passed and my account still remained past due. I then called AES again that they informed me that there is no 5 day deadline and I would have to wait, but that they would be turning my information to a collection agency. Afraid, I then had to make a XXXX dollar payment. XXXX for XX/XX/XXXX, and my XXXX for XX/XX/XXXX all at one time. ( Defeats the purpose of saving money through the reduced payment program. ) I have still been trying to contact AES and have yet to receive any answers. I believe that it is horrible that a borrower calls the company to pay any payments to avoid default, is misinformed and then held accountable for the companies mistake. I would like answers.
I had a secured credit card with Wells Fargo. XX/XX/2015, I received a letter to inform me that i I had graduated to an unsecured credit card and the collateral of {$300.00} was going to be refunded to me as well as my limit increasing to {$600.00}. The letter informed me that I would be receiving these funds via a check in the mail within 30 days. XX/XX/XXXX to XX/XX/XXXX, I went to a branch to enquire about wether they had sent my check. They advised to wait the complete 30 days. 
I went into a branch XX/XX/XXXX and spoke with the branch manager. He advised that the check had been cut on XX/XX/XXXX, confirmed the address ( which I received other mail from Wells Fargo in the mean time ) and attempted to advocate for my funds to be direct deposited to the account. The credit services lady said that they were not able to do so and that I would need to have another check issued and sent out. I was advised that this process would take 2 weeks. Because I was moving states within that time frame, the branch manager recommend I provide him with my new address in order to receive the check there. 
XX/XX/XXXX, I had still not received my check so I contacted the customer care phone number. They reconfirmed my address and had the correct one on file. Essentially, they advised that the 2 week period was 14 business days and that date coincided with XX/XX/XXXX and that it would be best to wait until XX/XX/XXXX before contacting them to action. 
XX/XX/XXXX, I still had not received my check so I decided to go into my local branch. The banker called credit services on my behalf and requested a direct deposit into my checking account with Wells Fargo and to cancel the second check I had never received. The lady he was speaking to filed appropriate papers while we were on the phone with her and advised that I did not need to fill anything out. I was advised that I would receive my funds within 3-5 business days. 
Monday XX/XX/XXXX, I called because the funds STILL had not hit my account. The guy I was speaking too explained that I would need to sign an affidavit to which I explained that the lady the banker and I spoke with said it was n't necessary as it had been done on the phone. He explained that this was a requirement and offered to send one to me via mail to take care of. After reiterating what had been done at the branch, he said he would call me back with information that afternoon as he would need to enquire further. I never received a call back. 
XX/XX/XXXX, I went into my branch AGAIN ( fourth time ) and spoke with my banker. He called credit services to find out what the delay was. They advised him that the phone call I had made the previous day had spurred them to action and the paperwork HAD NOT BEEN FILED until that day. Because of this, I would need to WAIT ANOTHER 3-5 BUSINESS DAYS! 
This is in no way shape or form how to deal with customers. I have monthly fees taken out of my account for their " service '' yet they ca n't give me my collateral back in a timely manner. 
The branch manager has filed an internal complaint which has since been escalated to the " executive level ''.
Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.
I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.
Hello! 
My name is XXXX XXXX and I put in a complaint with Direct Express where I receive my SSI deposit, in reference to unauthorized transactions on my card. this dispute was entered on XXXX XXXX, XXXX. They were suppose to send me documents to fill out to finalize the dispute. After not receiving them within a months time I called them back. They had to resend the documents for me to fill out to finalize the dispute. Initially they told me it would take up to 45-90 days to complete the investigation. in which should have started from XXXX XXXX, XXXX. After waiting the 90 days and speaking with several representatives assuring me that I would have my money back with 90 days. I called them back today XXXX XXXX, XXXX to find out why I have yet to receive my funds back and they tell me the XXXX starts from XX/XX/XXXX when they received the paper work back and not when I initially entered the dispute. I am a disable person with limited ability and receives only SSI to take care of my daily living. I need my money back and can not now wait another XXXX to catch up on back bills that was paid due to these unauthorized transactions. 

Can you please help out with this matter? 

It seems like they are giving me the run around, and is not trying to refund my money.
original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX   sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my Transunion credit report. I wrote to Transunion one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet Transunion continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
I have a mortgage with XXXX XXXX for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. 

I have been paying consistently on this loan and expected that it would be satisfied in XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XXXX. 

At the time of the loan origination XXXX XXXX had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. 

I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. 

OnXX/XX/XXXX I had a conference call with both XXXX XXXX and XXXX XXXX. The person from XXXX said that their process was to have the borrower do an automated phone call to set up the loan schedule and that confirming documentation would have been sent. I do not remember any such call. It is my contention that they set up my loan schedule without consulting me because I never would have approved something that only saved one year off of my mortgage. This same person indicated that he was sending the same package of documents to me so that I could review them. I never received any documents which is further proof for my claim. 

Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. 

CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive AdsXX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX. and XXXX XXXX XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} million in fees to consumers and pay a {$5.00} million civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. 
Deceptive advertising has no place in the financial marketplace, said CFPB Director XXXX XXXX.  Todays action is delivering relief for consumers deceived by XXXX  and XXXX, and sending a clear message that these practices will not be tolerated. 

I will continue to file complaints until one or both of these parties provide the information that I am entitled to. 

XXXX XXXX XXXX
ON XX/XX/XXXXI SENT EXPERIAN AND XXXX XXXX XXXX A CERTIFIED NOTICE OF A OFFICAL CONSUMER DECLARATION OF COMPLAINT OF NOT PROVEN COMPLETE, NOT PROVEN TRUE, NOT PROVEN COMPLIANT MIS INFORMATION TO INCLUDE DEFICENT OF PROVEN METRO 2 COMPLIANT DATA FIELD FORMATTED REPORTING. I ALSO INFORMED EXPERIAN THAT I WAS ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL THEM TO REMOVE THE ACCOUNT WHICH WAS DISPLAYING VIOLATIONS OF METRO 2 COMPLIACE.XX/XX/XXXX I CONTACTED EXPERIAN AGAIN IN REFRENCE TO THE FALSE STATEMENT THAT WAS PRESENTED IN THE INVESTIGATION RESULTS ( PLEASE SEE ATTACHMENT ). I CONTACTED XXXX XXXX XXXX TO ALSO PROVIDE ME WITH SUFFICENT INFORMATION IN REGUARDS TO THIS ACCOUNT. THE CREDITOR NEVER RESPONDED NOR SENT REQUESTED DOCUMENTS. WHICH MAKES THIS A KNOWLING ERROR ON EXPERIAN AND THE CREDITOR. WHICH EXPERIAN STATES THAT THE ALLEGED CREDITOR CERTIFIED THAT THE INFORMATION IS CORRECT, COMPLETE, TRUE AND ACCURATE. PLEASE REVIEW DOCUMENTS THAT CLEARLY SHOWS INCOMPLETE, INACCURATE, NOT PROVEN TRUE, NOT XXXX 2 COMPLIANCE. 

INCOMPLETE ACCOUNT NUMBER NIETHER COMPANYS PROVIDED ME PAYMENT HISTORY IS INACCURATE, INCOMPLETE AND UNPROVEN CAR WAS SOLD BUT DOES NOT DISPLAY INFO- INCOMPLETE AND REPORTING LATE PAYMENT REMARKS/ UNPROVEN I HOPE THIS COMPLIANT SHED LIGHT ON THE UNFAIR ANDTHE DISREGUARDS THAT THE CREDIT REPORTING COMPANIES AND DATA FURNISHERS HAVE IN REFRENCE TO A CONSUMER CREDIT RIGHTS AND MANDATED LAWS
XX/XX/XXXX,, Continuing,, Conversation,, Been Requesting Unlimited Overdraft Protection On My Bank Card For Quite A Min,, Back In Year ( XXXX ) Thru ( XXXX ),, Never Receive It I Only Receive Limited OverDraft Protection On My Bank Card,, This May Be A Very Important Issue!!
My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.
While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.
i'am a capital one customer and also part of a reward program named drop. from XX/XX/XXXX till present I have not been able to access these points from my purchases using my Capital One card because they are not allowing third-party access and I would like them to allow third-party access on my account through drop thank you
The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee. 
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed. 
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX  ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired. 
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.