WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX   2017 , I faxed dispute letter to Equifax Credit Bureau. A month later I called them to check on the status of my dispute. I spoke with a supervisor who confirmed my dispute was received and to give them some time and they will send me the updated information. I still have not heard anything from Equifax Credit Bureau. I also requested a method of verification for the public records they have on my report and the accounts. I have accounts that are reporting closed but have late payment status. Also charged off accounts reporting late payment status.
I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.
I attended a XXXX college in XXXX where they applied for a private loan from Genesis while attending. I believe I was given false information to attend their school ( XXXX college ). I understand that there were a settlement agreement in which I should have received something in the mail in XXXX of XXXX.
I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!
I opened a premier money market account at PNC bank back on XX/XX/2016. I gave my PNC card to the personal banker so I could hook up my card with the account. I told him that I wanted to earn the relationship rate after the XXXX month promotional period ( for this account ). After viewing my account online after the promotional period, I noticed that I was earning the standard rate of .17 % ( instead of the .75 % relationship rate ). I called PNC and reported this issue to customer service/management that I should have been receiving the relationship rate on my account since XX/XX/2016. The reply that I received was that my credit card was NOT hooked up ( thus, not showing the minimum transactions used with the card ). The reply and I received was that she would put in an " interest dispute ''. I finally noticed, on XX/XX/2016, that the rate had been changed to the relationship rate of .75 %. I called PNC bank numerous times trying to resolve this issue. As of XX/XX/2016, I 'm still waiting. Since this was in fact an error on the part of the personal banker at PNC, My account should be credited for the rate difference on my balance from XX/XX/<YYYY> XX/XX/2016. I would like to be treated fairly.
On XX/XX/XXXX I received an email saying the terms of my account have changed. Right after I recieved and email saying the status of my account was changed to Disaster Forbearance. I didnt make this change to my account so I called to get it corrected. Because my address on file was in an affected area of hurricane Irma, I automatically qualified for my account to have disaster forebearance. I didnt want my account to have this because I would have capital interest and my payments would have gone strictly to interest.
I was charged {$15000.00} for XXXX school with XXXX XXXX in XXXX NJ. My loan was given through XXXX XXXX Part of the program was that I would get on an internship after school. I never completed the internship and was unable to work in the field I studied for because the internship they scheduled me to start was a completely different subject than what I was in school for. Once the school closed shortly after I was unable to get in contact with anyone in the school to figure out what I can do to get any record of training that I had. I was never given a certificate of completion and never finished the internship. I would like to have this debt removed from my credit report due to the fact the school closed without any notice and the debt remained with me. I do not feel as though it is fair for me to have to pay a debt for an education that was never given. The promise the school gave when I signed the forms was that I would be placed in a program to get a job and the internship would be complete after the schooling was completed. Neither agreement planned out that way and I would like the debt to be placed as paid in full and closed on all three credit reports. I spoke to all three credit bureaus and had this issue resolved with XXXX  and XXXX. XXXX would not place the account as paid in full and only took away the interest that accrued over time. I spoke to them last year in the beginning of 2017 and was told that the debt is back to original balance. This is not acceptable to me since the other 2 credit unions changed the status.
Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX
I was thinking of refinancing my VA mortgage. I called a few brokers and they quoted over the phone and via email some rates. I decided to call XXXX XXXX, I have seen many of their TV ads. I talked to a XXXX XXXX XXXX XXXX over the phone and asked him to quote his rates for a 30 yr fixed. He informed me that he " did not have the rates '' but if he asked me a few questions that he could give me those rates. I informed him of my approximate credit score and told him that all I want is the rates. I told him I did not wany him to run my credit, He told me that if my credit score was as high as I said that running a credit check would not change them. I gave him the info he needed and after he gave me the rate I told him that I was not interested as the rate was 1 point higher than some of the rates I was quoted. Under no circumstances was I interested. 3 days later I received an loan application all filled out with a loan number, as if I was applying for the loan. They did not even have the courtesy to mask my and my wife 's SSN, I then received a phone call from them asking why I withdrew my application! They have sold my info to other companies because I am getting a phone call from other companies almost daily.I was never told nor did I give them permission to fill out an application, I am sure this effects my credit score and history, they had no right to do this, I feel they are taken advantage of veterans.
This account has been Paid in Full as of XXXX, 2015. Please remove this erroneous account from my credit file.
My truck was repossessed by XXXX XXXX XXXX due to my failure to make payments adequately. My dad paid the truck off in full within the time that the bank said that we could pay it off which they told us by phone was on or before XX/XX/XXXX. They gave instructions for sending a cashier 's check by XXXX XXXX and a check was sent and delivered on XX/XX/XXXX which was confirmed by the XXXX XXXX routing number and also via phone with bank employees. The first problem was they LOST the first check, so cancellation had to be made on that check which the bank said needed to be done by XX/XX/XXXX, and another cashier 's check was sent by that date. Even though we were supposed to have until XX/XX/XXXX to pay off the truck, they had already sent it to XXXX and it arrived on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). My dad XXXX XXXX and I had to drive to XXXX to pick up the truck, and we did on XX/XX/XXXX. We have been advised by phone numerous times we would receive the title and release of lien but still have not received it. We employed an attorney who was given written permission to talk to the bank on my behalf, but he has had trouble getting them to respond to his inquiries. Other expenses were incurred in getting the truck from XXXX XXXX in XXXX including travel expenses of {$540.00}, {$580.00} fees paid to XXXX XXXX in XXXX and {$36.00} XXXX XXXX fees to send a second check. Since we do not have the title we can not put a license on the truck nor sell it. We are very upset by the unprofessional operation of this bank and their lack of integrity.
XXXX XXXX XXXX, Personal Representative of The Estate Of XXXX XXXX XXXX Case no XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, As Trustee, Successor In Interest To XXXX XXXX XXXX XXXX XXXX, As Trustee, Successor By Merger To XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX XXXX XXXX I Trust XXXX, Asset-Backed Certificates, Series. and SLS Specialized Loan Servicing LLC RE : Estate of XXXX XXXX/ Deceased Please receive this written correspondence as a complaint and as a pleas for assistance to save my home. 

My mortgage servicing company Specialized Loan Servicing LLC neglected to decision my application for home modification assistance even though I have fulfilled all the underwriter request by sending a full XXXX multiple times. The first packet I sent was in XXXX 2015, receiving an verbal acknowledgment from the underwriter that all required documents were received, therefore I would have a decision within 30days. well a decision never arrived. The only documents I received were letters stating my home was going to foreclosure. 

Of course upon receiving a threatening letters rather than the promising one I was expecting. I decide to call SLS to check on the status of my loan. I was informed that my loan was assigned to different underwriter who now is in need of a XXXX application for loan modification assistance. I of course complied with there request and sent in another application in XXXX 2015 and just as the last time I followed up with SLS to confirm there was nothing else required. To my surprise my loan was not assigned to a different underwriter. At This point in my dealing with SLS I Can only assume the company and their staff is either incompetent at best or their in the business practice of intentionally neglecting to assist me with foreclosure alternative in oder to reap the benefits of foreclosing on my home therefore stripping the equity from another XXXX XXXX Family in a already gentrified community. 

As a Government agency established to protect consumers such as myself I am requesting immediate assistance with my loan modification process as well as holding all foreclosure proceedings. 

Thank you all in this important matter XXXX XXXX XXXX, Personal Representative of the Estate of XXXX XXXX XXXX
I have attempted to contact Diversified consultants about a collection on my report. I have no knowledge of this collection and it does n't belong to me. I have attempted to write this company and I received no response. I also did some research on Diversified consultants and this company is under information some fraudulent company practices. I want this item removed from my credit report immediately and would like to file a complaint against Diversified consultants.
For the past 35 years I have had a checking account and fee-based credit card at JP Morgan Chase. About three years ago I was solicited by one of their financial advisors, in the XXXX, Ct. branch to open a Chase Private Client investment account, which I did. No management fees were involved. 
One day in XXXX he informed me that he may be losing my account and that " it was out of his control. '' When I received a call from my new Financial Advisor ( FA ) in a town 40 miles away I called my FA. He NEVER returned my calls to give an explanation for the transfer, which was without my consent. When I finally saw him all he would say is " I am not your F.A. and I do n't have to speak with anymore. '' About three weeks later In about XXXX XXXX I received a notice from JP Morgan informing me to close my checking account within 30 days. Days later I received another notice telling me to close my brokerage account within 60 days. Neither letter gave a reason. 
I have written to the office of the XXXX, XXXX XXXX and to other parts of the bank asking that my checking account be reopened ( BUT NOT my brokerage account ). I have also tried to reopen the account at another branch to no avail. The Compliance Department in Texas appears to be blocking any resolution and nobody will give an explanation. As an aside my former FA has either been fired or abruptly resigned in XXXX XXXX. After being a client for 35 years with an impeccable credit rating ( I still have my credit card there ) this is grossly unfair. I have come to believe that I am the brunt of an emotional problem the FA had who must have concocted a wild exaggerated story for the bank to have done this. All I request is that my checking account be reopened.
On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,
Hello, I currently bank with Wells Fargo for a child support account.
I withdrawal money from a no surcharge ATM to put money into a separate bank account to utilize. I noticed I keep getting a {$2.00} charge for using a non-wells fargo ATM.
I called and voiced a complaint and asked for specific verbiage on this charge. A Wells Fargo customer service representative escalated it to the office of the president, which is where this complain begins.
There is NO verbiage that going to a no surcharge ATM will in fact still charge you.
Wells Fargo indicated that on page 36 of their customer agreement it indicates that all non Wells Fargo ATMS used you will get a {$2.00} charge. There 's no verbiage about a non surcharge ATM. This falls under Unfair Deceptive Acts and Practices.
I contacted Experian two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. Experian and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
I have been applying for work for 30 days. I have been submitted for background checks and their submissions have all denied me work. 

I have a governors pardoned record and expungement. But the consumer reporting agency general information services in XXXX, sc has refused to correctly tell employers my actual n updated record. They have in fact given employers information inaccurate and past 7 years. 

I sent them twice a copy of my sc governors pardon and they have denied recieving it. 

My name is XXXX XXXX. Not XXXX XXXX XXXX.
I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my report.
I applied for a total rewards XXXX card. On XX/XX/XXXX, I got a letter from XXXX XXXX stating I was denied due to 4 reasons and the score they used was XXXX. XXXX XXXX  used XXXX XXXX for the information and the letter gave me all the information to contact XXXX to see why. I did call them. They sent me a consumer report with only my basic personal information. No reason why I wasn't given credit Under " your accounts '' no information reported " inquiries '' no information reported, " other information '' no information reported. I again called XXXX and told them this consumer report tells me nothing. I want to know why I was denied and XXXX XXXX says I am to contact you to get this information. XXXX said they do not use the three credit bureaus and they are a consumer reporting agency and the only information they have is on my report. It tells me nothing so how can you make this determination? XXXX says based on the information from XXXX I had too many inquiries, length of time since most recent delinquency too short, limited history for consumer at this phone, not enough debt experience. None of these are true. My letter from XXXX XXXX does not give the option to contact the credit bureaus, only XXXX. Also yesterday I received a letter addressed to XXXX XXXX using my address from XXXX. I do not know an XXXX XXXX
i have never recieved any communication of debt/debt has never verfied or validated. no communication from company just improper reporting on my credit report from XXXX