WillisBack/dataset-financial-user-claim huggingface dataset:
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A.  law and is a violation of my rights..
This car lot sold me a bad car, not even having the vehicle an entire year the engine went out and the company refused to fix it or put me in another vehicle at their cost.
For the past several months I have tried to have XXXX accounts XXXX are from the same company removed from my credit with Transunion. Originally they removed the accounts then they RE- INSERTED them back to my credit and now they have totally ignored my dispute to request the improperly placed accounts be removed. I have also tried to call XXXX but according to them .... they can not help me because i do n't have the full accounts numbers ( i can only provide what is on my Transunion Credit Report ) social security number does not match an account that they have. They advised me to launch a dispute with Transunion
Within the past 6 months, Equifax have blocked my credit file from me viewing via online. I literally have to spend  20 minu tes on hold to get transfer from the customer service dept. to the office of consumer affairs dept.  ( legal dept. of Equifax ).  I have spoken to sever al specialist including (   XXXX ,   XXXX   XXXX  , and  XXXX   XXXX  ) excuse me if i misspelled their names. We have spoken over the phone more than  12  times now. I repeating asked why is my file being locked from me viewing. Why I ca n't update my file, my old address is still on the file which the other  XXXX  bureaus already corrected the issue. I believe th e specialist at t his office of consumer affairs is personally attacking me from every corner. It 's not fair i ca n't look at my file like the other  200+million consumer Equifax deal with. on top  of this issue i have another issue with Equifax reporting of my tradelines. I repeated asked if my account could be disputed to update my file, i get denied or stated that i had to file the dispute online when my file is block to view even for disputes. It 's like a run around with  Office of consumer affairs. This is unprofessional, childish, Equifax should be fine for allowing s uch a harmful practices being displayed by these specialists. They treat me like a piece of trash from the dumpster. I am a victim of identity theft and is being treated like this. : ( this is a sad moment for the integrity of Equifax.
I am requesting the removal of these bankruptcies ( below ) on my XXXX  credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. XXXX refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with XXXX which documentation of said information by the Court is attached.
PENNSYLVANIA credit statues of limitations is up to 7 years and it should NOT be on the report anymore.
This acound was closed in XX/XX/XXXX. It is more than 7years.
However, they reported a wrong date, late payment was XX/XX/XXXX.
It is not correct imformation. They reported the wrong date. 
It should be fix and remove from my credit report.
THIS IS A NEW COMPLAINT NOT A DUPLICATE Cure to default did not follow Wisconsin laws 15 days wasnt allowed No itemized statement included with cure to default statement. 

Called on XX/XX/XXXX to ask for more time threatened the vehicle can be retrieved now. 

Sent an email to Brite financial no response. 

I need more time to pay and I want to know details of balance. I made a payment XX/XX/XXXX I only had a balance of XXXX.
Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.
My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.
I received a pre-approval for a personal loan in the mail. The letter included loan amounts, APR rates, and a confirmation #. As I currently hold some credit card debt, and need to replace the windows on my home, I chose to inquire to what I would qualify for on XX/XX/2018. I was immediately denied. In the denial letter SoFi recommended I visit their " trusted partner '' XXXX. XXXX is " able to approve some people that SoFi can not ''. I complained via email on XX/XX/XXXX, as I was denied for having " obligations exceeding income '' ( with no explanation as to what that means ) and despite having a credit score over 800. The reply stated that the factors evaluated included credit history ( score over 800 ), level of education ( XXXX ), years of professional work experience ( 3+ ), and income ( over $ 50K ). I responded that their letter stated one reason, but their generic email reply stated it was a constellation of factors. I also complained as it appeared that they send pre-approval letters in order to send applicants to their " trusted partner '' after denying them ( potentially making them more desperate ). My email was then forwarded to a customer service rep who responded on XX/XX/XXXX that she would like to schedule a meeting to discuss the denial. I replied that I was not interested in having a verbal conversation, and wanted their explanation in writing. On XX/XX/XXXX I received a reply from a different customer service rep indicating that they had written a " clarification '' letter that contained " additional details '', and that I would be removed from their mailing list. The letter states that I was declined for " excessive obligations relative to income '' and " other - does not offer credit terms requested ''. I responded with further questions - SoFi says they calculate my " obligations '' based on averages ( not actual figures pertinent to my situation ), so I want to review what those numbers are. And what does " does not offer credit terms requested '' meant as I had made no requests. I had requested no dollar amount, no APR - I was sent a pre-approval letter. I also requested that they delete the account I had to create as I do not want my account hacked and information stolen. The second customer service rep replied on XX/XX/XXXX that the calculated debt to income ratio would cause the possible interest rates to exceed what Arkansas restricts to. I don't live in Arkansas. He was also unable to give clarification on what number was calculated as my average as it is " proprietary company information ''. He did say my account would be deactivated, and I could visit their privacy policy webpage. I responded with the information that I do not in fact live in Arkansas, and that I would make a complaint concerning their business practices as they are opaque, and their goal continues to appear to be to drive would-be customers to a " trusted partner ''.
COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX  XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
PenFed offers a hardship package, but does not honor it. I submitted their own paperwork TWO TIMES plus I appealed. I submitted many, many documents of proof, plus IRS advocate case worker.
XXXX is reporting on my XXXX as multiple accounts when all these accounts was discharged in bankruptcy. I want them to remove these. I have called them on multiple accounts to only get they ca n't do anything about it
Amazon syncphony bank credit cards company have raised the interest on my credit twice without notice this change was added to my bill. I am filing this compliant because I am an old customer so if any changes had to take place it should be with new customer. Credit card company states over the telephone to file an compliant because Ftc raised the interest. Also, I did not receive a bill at all in 2015 and my bill was only on time which is due every XXXX day of the month. The bank reimbursed XXXX late charges in XXXX/XXXX/2015 in the amount of {$55.00}. I made numerous compliant to resolve this situation so I am contacting you because the are several more reimbursement which they fail to reimburse so I need your help as well. On XXXX XXXX, 2015 {$25.00}, XXXX XXXX, 2015 {$25.00} also overlimit fee {$35.00}, XXXX 2015 {$35.00} in total in fees {$120.00} needs to deducted from my credit cards late fee. In XXXX 2015 on my bill there is a {$45.00} which I did not order In my daughter and I was in XXXX XXXX from XXXX XXXX, 2015 until XXXX XXXX, 2015 due to water damage at my house. My temporary address XXXX XXXX, XXXX, SC XXXX why would I purchase anything online. In XXXX XXXX, 2015 I purchase XXXX XXXX dinnerware for XXXX the shipped arrived the entire purchase was destroy in tiny pieces so I could not send them back and I made amazon aware of situation and no refund was given in the amount of {$39.00} XXXX. 

My credit card bill should refunded in the amount {$200.00} plus interest. The old interest was 25.99 % and now it is 26.24 %. I am glad I closed my account and I will rid this card shortly. 
My bill was always paid in a timely manner, no late or over the limit fees.
called cell phone ( without permission ) left message they were referring me to the legal to contact local officials. The name on caller Id is XXXX XXXX in XXXX. This number XXXX XXXX XXXX. The caller is really XXXX XXXX XXXX
In  XXXX   2017 , SPS was sent a Congressional Inquiry from Congresswoman  XXXX   XXXX  's office about issues related to their erro  neous assertion that they have servicing rights and therefore a financial interest in our home.
SPS has yet to respond to the Congressional Inquiry but   has scheduled a foreclosure sale for  XXXX   XXXX ,  2017 .
First adn foremost my account is with Caliber HOme Loans which apparently took over for XXXX. I have been trying for months to get ahold of them, and for some reason they claimed that i put a CEASE and decist order on the account whICH did n't come from me - so for months no communication and DELAY in getting the process started. Secondly, they have misapplied payments as some payments were made from my account, and my husbands account, They refuse to credit the account.. NOW here we are XXXX, my house is set for foreclosure XXXX XXXX, i have fa'xd, emailed, sent everything MULTIPLE times, each time i am missing yet something else, they add something to the list, every rep i talk to tells me something different, XXXX tells me they need XXXX more piece, another XXXX tells me they are missing multiple pieces, even the mail tells me a different story each and every time i get correspondence - MEANWHILE - my husband and I are both working after being unemployed, we are getting back on our feet, and trying to get the bank to help. We even tried a couple of times to make payment. I tried over the phone, and online and they wont accept any $ $ to keep us from getting more behind. It is our assertion, that they are ON purpose making this hard. i cant understand why the process has not started I can not lose my home, i am supposed to be protected under the bankruptcy that we filed a few years ago, i take care of my XXXX parents and my XXXX niece ... i feel that this has been the most stressful process EVER - and im frustrated and scared
A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.
I have contacted Navient two times to discuss decreasing my monthly payment due to my financial situation. I have provided them with my monthly expenses. They stated that they need my father 's information, as he is the cosigner. I have informed them twice that he is currently XXXX and not able to help with payments. Both times, they have told me they will send me the required paperwork to complete to verify my father 's XXXX status. I have never received this paperwork, either time I was told I would get it and have not even been given an option to lower my payments.
I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap
I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.
Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.
SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
On XXXX-XXXX-18 I paid {$30.00} to bank to stop payment on authorized payday loan. But on XXXX-XXXX-18 the bank paid {$200.00} to loan company anyway. The bank then refund {$200.00} back to my account. Waiting on that claim to come back the bank paid another {$120.00} + {$3.00} international transaction fee on XXXX-XXXX-18. I then went into bank to find out why paid again. Excuse given. Then Letter came in mail stating {$200.00} being returned to bank. I go into bank and official stated I needed to change bank acct number. I then asked ; if I could get my stop payment money back? Official said he could only give me back {$3.00} and it was added back into my account.
In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.
American Education Services ( AES ) XXXX XXXX XXXX XXXX, PA XXXX XXXX AES is reporting to XXXX and XXXX a 60 day late in XX/XX/XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted AES XX/XX/XXXX. XXXX updated their information, but XXXX and XXXX continue to read a 60 day late in XX/XX/XXXX. <P/>XX/XX/XXXX I contacted XXXX and XXXX. They told me to contact AES. XX/XX/XXXX I contacted AES whom told me the information was updated and sent to the credit reporting agencies. AES told me to contact the credit reporting agencies.
I called Capital One last month to pay off my account in full. The customer service rep gave me a figure, I paid it and intended to close the account. This month I got a new bill, with the interest amount accrued during the billing cycle before I paid off the card. I have since paid this ( very small ) interest amount and closed my account. I believe the customer service rep should have provided the total of that additional amount due when I called last month, especially since I informed him I intended to close the account. In my experience, Capital One takes every advantage to squeeze fee income from its customers. It would n't surprise me to learn that not disclosing the accrued interest is a company policy, based on some behavioral economic or algorithmic calculation, to take advantage of customers who think their account is closed so that Capital One can impose a late fee over some piddly interest amount - in my case it was {$2.00}. Capital One will never again be in my wallet. 

PS : When I called the Capital One customer service rep this month to learn why I was being charged this additional amount, I also asked what federal regulator I should contact to complain about the company 's service. After putting me on hold for several minutes, she came back on the line and said she could n't find out what federal regulator I should contact but did suggest I file a Better Business Bureau complaint. Capital One customer service reps do not know the company they work for is regulated by the Consumer Financial Protection Bureau and can not tell a customer that - really?
ADP TotalPay card with money network upgraded my account unilaterally without any request from me or any notification to me and charged " account maintenance fees ''. I spoke to the customer service, and they only say they can not reverse but can not explain why the account was upgraded without my request