WillisBack/dataset-financial-user-claim huggingface dataset:
I have ( 2 ) Comerica Bank Visa pre-loaded {$25.00} debit cards that have been charged {$2.00} fees per month until they were empty. The terms and conditions with the card are extremely confusing. They say that the fees will begin the 13 month after issuance of the card, but no date of issuance was provided with the card. The card expired XX/XX/17. Typically the fees begin after the expiration date. I do not understand how these fees are legal, but to start taking fees after 13 months from an unpublished date seems extremely wrong.
XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. 
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). 
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.
I applied for a credit card ID XXXX for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since XX/XX/XXXX/XX/XX/XXXX. Being that I am working on my credit, I was turned down from Capital One. I make {$30000.00} for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into XXXX account with XXXX. I do not know if the person from Capital One can see the consolidation. My score is XXXX from XXXX, when I try to call back I am being offered to apply again instead of looking into the first application.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX  XXXX, account number XXXX ; 2. ) XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Flagstar Bank is reporting a 30 day late payment on my credit report that is not accurate. Currently, I am seeing 30 days past due as of XXXX 2013 which can not be true. I have disputed this account several times and see that they are in violation of the Fair Credit Reporting Act by not reporting the account as in dispute which entitles me to {$1000.00} per violation.
RE : Consumer Financial Protection Bureau I am writing to complain about Non-Compliance for the following. Credit Bureaus ( XXXX, Transunion and XXXX ). I requested on XX/XX/2018 my Full Consumer Disclosure File, not my credit report. They have failed to comply with FCRA-Section 609 ( a ) ( 1 ) by not providing the date of First Delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX I am concerned that it has been re-aged by a junk debt buyer. So I am wanting to see my disclosure file ... .. I sent All Three Credit Bureaus the processing fee of {$12.00}. Transunion Cashed it, but only sent my credit report and not my disclosure file. XXXX and XXXX  sent my credit report only, so far they have not cashed the processing fee of {$12.00} or returned it to me. I have included attached cancelled check for processing fee, copy of letters to all 3 bureaus, copy of the XXXX XXXX Original bill showing account info. I would appreciate it if the CFPB engages all 3 Bureaus for Violating FCRA-Section 609 ( a ) ( 1 ) by not providing my Consumer Disclosure File. These reports I requested are crucial to me defending against another CA, that is violating Consumer Credit Reporting laws.

Kindest Regards
I was involved in a fraudulent transaction involving Ms. XXXX XXXX from XXXX Missouri who indicated she had a XXXX XXXX XXXX XXXX XXXX for sale. XXXX had indicated in her correspondence that vehicle was to be shipped by XX/XX/XXXX once the vehicle was sold to a buyer. 

Come to find out, this was all part of an internet scan involving XXXX XXXX and XX/XX/XXXXXXXX. I was informed to wire {$9000.00} into a trust account held at wells-fargo bank in the name of XXXX XXXX. That once the vehicle arrives, I will have about a week to decide if I wanted to take possession of the vehicle. ( see emails from XXXX XXXX and XX/XX/XXXXXXXX ). 

{$9000.00} was wired into a Wells-Fargo Bank account at XXXX XXXX XXXX, XXXX MS XXXX into account holder XXXX XXXX XXXX account that was setup as a trust account. 
See XXXX XXXX XXXX address. Come to find out, this was a SCAN as XXXX and XXXX XXXX did not deliver the vehicle on Monday as planned. Attempted to reach out to XXXX and XXXX XXXX, but to no avail. 

Immediately contacted my bank, XXXX XXXX XXXX in XXXX XXXX, MN and reported to the Fraud department that a scam had taken place. XXXX reached out to Wells-Fargo to freeze the account but was told they could not do anything about the situation. I also called and spoke with a Fraud Department at Wells-Fargo, but was informed no information will be provided to me as I do not have an account with Wells-Fargo and they have to protect their client 's interest. Informed them that this was a fraudulent transaction, but to no avail.
Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true.
XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
I have sent XXXX disputes to Equifax in the past XXXX days, and they keep sending me stall letters. They have yet to provide me with results, but they do stall and keep asking me for information I have clearly submitted to them several times, and still won't provide results.
I had a mortgage with XXXX XXXX that was subsequently sold to Caliber Loans. I was making my payment as scheduled to Caliber Loans when in XXXX I received a XXXX from XXXX XXXX stating that I owed taxes on XXXX! I was perplexed because after the sale XXXX XXXX did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to Caliber Loans without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by Caliber Loans. So apparently of the XXXX only XXXX was taxable. I contacted Caliber Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by XXXX XXXX? Was it being applied to my loan after the error had apparently been made? 

I was told by Caliber Loans to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! 

I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to Caliber Loans confirmations, and a copy of my check that was cashed by Caliber Loans.
I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after. 

I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority. 

I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.
i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..
My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!
On XX/XX/2018 there was an application for a credit card with XXXX   XXXX  reflecting on my file. I immediately contacted XXXX XXXX and they confirmed the application as fraud and cancelled it. They assured me that they would send me a letter stating such and have it updated with all three credit bureaus. XXXX XXXX did indeed send me a letter as well as updating the bureaus as two of them have complied. Unfortunately. the inquiry remains on my Equifax report. I have sent several letters and have spoken to several representatives and managers at Equifax and they state that they can not remove it based on the information I have provided as they need an electronic transmission from XXXX XXXX. I participated on a 3-way phone call with a manager from Equifax and XXXX XXXX discussing how to get this removed. XXXX XXXX agreed to send he electronic transmission again. However, they would have to send it to all three bureaus as they can not send it only to Equifax. I agreed as the other two had already removed the inquiry as it was added in error. Equifax has yet to remove this inquiry and this is making it difficult for me to obtain good credit. Net month will make it an entire year that Equifax has not complied with XXXX XXXX. Please help me with this matter.
The creditor Avant is reporting my account with them as included in bankruptcy. I believe this is a violation of the law since the account and all reporting was stopped as of XX/XX/2014. 
Adding a negative remark once in bankruptcy is a violation of the bankruptcy laws for reporting of creditors to the credit bureau.

I also asked for proof of this being my account since I have had multiple accounts that were paid in full and they have refused to send me a signed contract as proof this is a different account and not a duplication of one of the paid accounts I have had with them. There payments made according to the credit report but the paperwork sent to me shows the payment schedule but no payments received by them. 

Thank you
I contacted Bank of America regarding filing a complaint against a company called   XXXX   XXXX  , Bank of America initially refunded the money but then later took it back in    XXXX    2017   . I contacted the bank telling him that the company does indeed want to refund as the merchandised had been received.
Bank of America has sent be a Mortgage Modification for the third time. I have a modification on file in XXXX County, Florida as required that supersedes the one they have sent me. I call the lender and all I get is pushed around. This is the XXXX complaint I have filed on this issue. The modification they have sent would double my current payment and add {$75000.00}. to the balance of my mortgage
Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX , NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
We had a lease with an apartment complex that we had to get out of because we couldn't pay for it. We negotiated getting out of the lease, got a sub leaser, cleaned the apartment and left. There was a collection put on our reports after the fact for XXXX. This was far more then even the remainder of time on the lease and they have not sent us a breakdown of whats owed and why. We have attempted to get this removed by going directly to the company in question but have had no success.
In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.