WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2017, I sent a certified return receipt letter to Capital One Auto Finance with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX 2017. <P/>On XXXX XXXX 2017, I received a letter from the Credit Bureau Team of Capital One Auto Finance stating the have confirmed that Capital One Auto Finance is reporting correctly.
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Capital One " verified '' with out showing my signature nor providing information on who conducted the verification of the account. <P/>On XXXX XXXX, 2017, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of Capital One Auto Finance as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.
On XX/XX/18. I had deposited two checks into my personal checking account. One was my payroll check from my employer, the other was personal check from a friend. On XX/XX/18, I had gotten a notice that the account was going to be closed due to one or more deposited checks are suspected of being altered. I had suspicions that the personal check from my friend was not going to possibly work but I also had a direct deposit set up with my employer to this account and on XX/XX/XXXX, both my mobile app and the website said my that my direct deposit was never received and now they are saying I owe {$920.00}. I know I had over {$500.00} in that account before they closed it and my employer has not received any notification that my payroll check was returned. I know that anytime someone deposits any counterfeit or fraudulent checks that they are responsible for any overdraft that the account encounters but this is straight up fraud by the bank to get me pay more than I really owe and if that is the case, I will sue them on my own.
My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.
There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!
To XXXX XXXX XXXX XXXX XXXX XXXX Ref # card ending XXXX Dispute : XXXX To whom it may concern : Please be advised that I have been billed {$510.00} promised services by Ally Bank through XXXX. I applied for a Mortgage Loan through Ally. They lead me to believe that I was been approved for a home loan and I approved an appraisal which they billed through XXXX or used XXXX as an intermediary. 
This is false and misleading to the consumer and I will be filling a complaint against Ally/XXXX and XXXX XXXX if these charges are not reversed. 
I am contacting the State of Florida Department XXXX XXXX XXXX to deal with this matter. The lack of urgency and professionalism involved with all parties contacted to resolve this issue is unacceptable. 
I am attaching all documentation received from parties via email and hope that we can find an amicable resolution. 
Sincerely, XXXX XXXX XXXX
EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE
after my aunt pulled her credit and it showed that chase was on her credit report and she called them and they told her that my name was on the account as well so I pulled my credit report and chase was on mines to. myself and my aunt have reached out to chase bank usa and asked to remove this debt off my credit report and hers because its not ours. we 've called them several times we 've written to them as well and they still have n't showed us VALIDATION of this account being mine or my aunt. we are having no luck with chase on getting this resolved. we are trying to avoid going to court so if this does n't work we will have no other choice but to file legal action against them.
I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have Experian, XXXX and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
I received a response from the bank on XXXX/XXXX/2016 with a copy of something I supposedly signed and a letter refusing to remove fraudulent information from my credit report and claiming that I signed up for the card online but has not provided an IP address that can be linked to me. The bank could have sent me this IP address proving to me that the debt is mine and trying to make payment arrangements. Since this debt is years old and the bank has had more than enough time to provide proof that could not be questioned in a court of law, remove this from my report immediately.
My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.
Received from Trident Asset Management, LLC XXXX XXXX XXXX XXXX GA XXXX. Account # XXXX a collection letter stating they purchased from another collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX a former XXXX bill of mine dated XX/XX/XXXX 

I have written back to them stating this bill has long been paid directly to XXXX and as a matter of fact I currently have service with XXXX. Anyone who has ever had service with XXXX knows that you can not get new service without paying any previous service in full. I don't know where these companies are getting their information since I have never known XXXX to use an outside source to collect debts.
My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX
This is related to CFPB case XXXX. On XX/XX/2018 I approved a wire in the amount of {$8000.00} USD to be transferred to an individual in XXXX. The funds were supposed to be available to the individual in XXXX no later than XX/XX/2018. That did not happen. On XX/XX/2018 I requested a return of funds. CFPB case XXXX related to the delay in receiving funds. My account now shows that I received {$7500.00} for the wire transfer. This means that I have lost {$480.00} for a transaction in which SunTrust didn't fulfill its end of the deal ( i.e., the funds were not transferred to XXXX by XX/XX/2018 ). In addition, the transaction cost me {$50.00} in fees. While SunTrust responded to the last CFPB case, they did not provide me the telephone number of email of the employee ( i.e., XXXX XXXX ) who responded to my complaint. This type of client service is entirely inadequate.
A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap.
Continuous calls from them before XXXX. Got one XXXX i told her she was calling before legal time and she didnt care and got really nasty about my debt. Her response was " well its because you have an account to settle ''. So unprofessional and pushy and rude. Please reprimand this company immediately!
https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this.
Enter " XXXX '' as name and " XXXX '' as SSN
My monthly loan payments have been inconsistently applied to principal and interest -- with the majority being applied to interest ( in some months XXXX % of the payment is applied to interest ) -- over the past several years, even though my loan is a fixed rate, and the payments were made in equal amounts and on approximately the same day of each month. I have requested my loan documents from my lender by telephone and in writing, and I have requested an explanation from my lender by telephone. The lender has not provided the documents or an explanation of the inconsistent application of my payments.
On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.
My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
XXXX/ XXXX this only show in XXXX  was added on I dont owes this company any money please I will report it to Consumer Financial Protection Bureau also I will send a copy of this letter to them This company showing two time in my report from XXXX XXXX/ XXXX XXXX this account was paid off and closed please update never late why it showing in my report Penn Credit Corp Please have them remove this from my credit Also please update the following information which I saw your credit bureau to be missing or incomplete
I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. 
On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. 
I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX.
I noticed an inquiries on my credit reports that i did n't recognized, contacted the XXXX credit bureaus to notify. XXXX kindly accepted the dispute, however had a hard time with XXXX. There is an inquiry from Barclay, from XXXX/XXXX/XXXX. Application ID # XXXX. This does not belong to me.
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
I have a mortgage with Freedom Mortgage. They are incorrectly reporting our XXXX, XXXX payment as late, even though the payment was made on time. 

On XXXX XXXX, XXXX, Freedom Mortgage was notified that I was in a Chapter XXXX bankruptcy. They suspended our ability to make payments online, so we were forced to mail a check into them. They did not receive ( or process ) the initial payment we mailed on XXXX XXXX, XXXX. They finally deposited the second check we mailed on XXXX XXXX, XXXX. They failed to process our payments in a timely fashion, which is causing a 30 day late payment on my credit report. 

Here is a summary of the charges on our statement. 

XXXX/XXXX/XXXX Payment Received ( {$2300.00} ) Detail XXXX/XXXX/XXXX Payment Received {$3.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail ( For XXXX XXXX, XXXX ) I have been asking for an explanation on this and they have failed to provide me with why the first payment was not deposited and the second payment was not credited properly, allowing the account to go over 30 days late. 

Furthermore, their online system is currently saying we are due for XXXX XXXX, XXXX, so we are not as late as they are reporting on the credit bureau.
I have student loans that have been consolidated, sold, closed and even transfer. These loans are still currently on my credit report and hurting my scores. I am requesting the removal of these old student loan accounts.