WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, Transunion, XXXX   XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?
Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.
Back in  XXXX  o f this year I informed the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home
I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.
I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information
As more information comes out about the Equifax breach, I am just so ... .angry because I can not help myself in this. We are expected to have credit in this country. We do not ask to be reported to Equifax - it is a term of the credit. And they have so little concern about our personal information. I would like them to be punished as much as is possible. They have put so many at risk - and they can not protect us now. Every citizen who has had their information leaked has to at the minimum take time and energy to protect themselves further. At the worst? Their credit is ruined for YEARS keeping them from prospering. It is very clear in this country no one cares about the little guy. Equifax sure does n't. I am hopeful you can use your office to protect those who have been put at risk with this.
Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report.
Hello, My credit report shows several XXXX records of late payments. They are all related to the student loans I obtained from XXXX XXXX XXXXXXXX. These records are incorrect. Attached please find the bank statements and loan approval / disbursement letters from the school that show the amount owed and lump-sum payment I made in-time.
In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.
I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX, XXXX and Victoria Secrets to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
CAPITAL ONE BANK USA NA Someone used my name to get a card and made payments. I need help to remove this. Im hurt bad Payment History Youve made 89 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$770.00} Worst Payment Status 120-149 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX
I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. 

I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
On XXXX I contacted Landhome Finance in XXXX, Ca and spoke with XXXX in customer relations. She advised my loan in XXXX # XXXX was pooled and sold along with being FHA insured # XXXX. The attached XXXX XXXX document shows XXXX XXXX XXXX as the Servicer and XXXX XXXX XXXX XXXX as the investor. XXXX XXXX XXXX trades under XXXX see the SEC XXXX database starting XXXX. This means you disolved my " NOTE '' into a securitized special pooling vehicle ( security instrument ). Landhome Financial breached my contract before I ever made my first payment and opened the door for a completely fraudulent process of my note and deed seperating them. Not to mention in XXXX I advised XXXX XXXX from Landhome Financial 's office by email under no circumstances would I do a mortgage with XXXX XXXX XXXX for they had already deceived me in years prior. Landhome Financial 's negligence along with several other entities allowed the fraudulent stealing of my home, my personal property inside and locked my animals inside XXXX them. Landhome Financial knew all along the devestation and fraud they caused me when they set me up on XXXX. The Truth in Lending laws tells me I had the right to know who my lender was and Landhome Financial took that away. In XXXX when I sent my complaint to the Consumer Protection Bureau Case number : XXXX you deceived them and myself continuing my homelessness with no compensation for the negligence and suffering you have brought onto my life.
The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
I was married and in a abusive relationship. On XXXX, XXXX of XXXX I was called in court and had my divorce granted getting my divorce degree. I then had to travel out XXXX 2 days later and left my wallet at home. Later on I found out that my ex-husband which was still in the house and had been asked and given some time to move out friendly since our divorce was consensual from both parts. He stole my debit card from my wallet and made deposits and withdraws without my permission or knowledge. Since I was out XXXX and sick XXXX I was not looking at my bank account often. I contacted the bank as soon as I was able to, less than 60 days of the happening. I was back in the XXXX XXXX, XXXX still debilitated due to the XXXX. I put a fraud alert on XXXX, XXXX of XXXX. At this occasion the fraud Claim department issued me a new debit card to prevent additional fraud and so my pin number was changed. I am a chase customer since XXXX/XXXX/XXXX, being the account solely mine. I think the bank institution not properly handling my case. since for The transactions I disputed was not authorized by me at all and they are not properly handled up to this point. When I was still married with this abusive person I did help depositing his checks on my account ; however, when we got divorced I was clear to him not to use or get anything that belonged to me at all. XXXX XXXX opened an account with XXXX 's XXXX and He had no need to get into my bank account to make any deposits or even withdraws. I was divorced at the occasion my ATM card was used. It was an abusive person taking advantage and not acting in a good faith. The bank has not given me clear answers on why the fact I was not longer married being overlooked. Even after several phone calls to the bank they still have not removed his deposit from my account neither gave me a solution for the withdraws right after in my account.
My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.
I have attempted to report errors on my equifax report but can get no response from them, There is an incorrect name, address and previous work in my credit report, please help
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
My home at XXXX XXXX XXXX, XXXX XXXX, Fl is owned by me free and clear. There is an unknown Social Security Number with my name and an account number listed with Select Portfolio Servicing , Inc ( SPS ). They claim an old loan associated with XXXX  XXXX XXXX, XXXX. REMIC trust of XX/XX/XXXX, specifically, XXXX XXXX XXXX, that no longer exists, investors ( beneficiaries ) sued and won their lawsuits. There are no beneficiaries due money. My mother passed on in XX/XX/XXXX. I was added to the General Warranty Deed in XX/XX/XXXX. In XX/XX/XXXX, my mother was already deceased for 3 years. Its upsetting and criminal that an unknown Social Securty is linked to my name and home. Im not able to verbally communicate with SPS since my Social Security Number doesnt match their records. They transferred my home over to their REO section to sell. I previously filed bankruptcy because of identifying theft. My home was listed as an asset and was not contested. I have a Florida Homestead Exemption for Veterans. I contacted XXXX XXXX, XXXX. as trustee, and they claim no knowledge or interest in my property. I have no account or anything due them. I was told to report this scam.
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.
I have sent letters after letters everything has came back verify they supposed to support me with the verify documents by federal law.
Equifax allow my personal information to be hacked. As a result, my personal information has been stolen.