WillisBack/dataset-financial-user-claim huggingface dataset:
Re : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TXXXXX Dear Sir or Madam ; I disputed the referenced account above on ( XX/XX/XXXX ) .The credit report of ( XX/XX/XXXX ) and your report # shows results these items was deleted from the credit file.Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA? 611, Procedure in case of disputed accuracy [ 15 U.S.C.? 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification.This is a serious violation of the FCRA, and I reserve the right to pursue further action.Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you XXXX Please see enclosed letter from XXXX through XXXX XXXX and other agreements made between XXXX and myself not being responsible.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.
I was on vacation on XX/XX/XXXX and in a grocery store getting groceries. I pulled out what I thought was my bank debt card to pay for the groceries and to get {$100.00}, I accidentally used my Walmart Mastercard card and didn't realize it till after I made the transaction and the store said they couldn't cancel the transaction. When I returned home I made sure to pay more than my minimum due of {$170.00}, and actually made a {$1000.00} payment on XX/XX/XXXX ( 5 days after the accidental withdrawal ) so the extra would pay the higher interest cash advance fee on the Walmart card, and all other money I charged during my vacation. The higher interest and a {$2.00} fee keeps showing up on my statement for both statements following the accidental charge. I messaged Walmart on XX/XX/XXXX via my online account bill pay with them, the replied that I'd have to call or chat online to get the problem resolved. I chatted online with a customer rep and called via the phone tonight, XX/XX/XXXX, and was told by both that I must pay off my entire balance of {$5300.00} before they will stop charging me extra for the {$100.00} cash advance. Please assist me in resolving this issue with the Walmart Visa. Thanks, XXXX XXXX
I have called Transunion on numerous occasions and did several online Disputes to have the following address removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX I do not understand how this address got onto my credit report i have never lived there at all. I am having even further trouble comprehending why TransUnion is so reluctant to remove clearly erroneous information off my credit report. 

This address is showing on credit report # XXXX from TransUnion. 
The other XXXX bureaus XXXX and XXXX do not have this address and all my other personal information is being reported correct!!
I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
IN VIOLATION OF FCRA, FDCPA AND TCPA. ( SEE ATTACHED LIST )
XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX.
Sometime during mid XX/XX/XXXX I was checking my credit score on XXXX XXXX when I noticed that both XXXX and XXXX both showed one ( 1 ) derogatory remark. When I looked both showed I was in collections for XXXX XXXX for {$110.00} by a company Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I assume this is also on the third credit reporting company as well. I found this odd seeing I have not had XXXX XXXX since XX/XX/XXXX. I know because that was when I moved and never used XXXX XXXX since. The service was ended on XX/XX/XXXX and I owned my equipment. Nothing was owed. I used the address provided on XXXX XXXX and sent a letter to validate the debt but never received anything. On the credit reports for both XXXX and XXXX they both showed that a account was opened on XX/XX/XXXX. What account? I did not open an account. I believe this Diversified Consultants are in violation of the Fair Credit Reporting Act. First they reported to the credit reporting companies that I opened an account with them on XX/XX/XXXX, which I did not. I believe they are re-aging non existing debt to appear that I opened an account with them. Second even if I owed anyone any debt, which I do n't, what they are claiming is past the State of Colorado 's Statute of Limitations for Debt which is six years for all debt. I checked today on XXXX XXXX and this was still there prompting me to file this complaint. I will also file a complaint with the Colorado Attorney Generals Office.
I have been a long time customer of capital one and maintain a large portion of my savings there. Rather than increase the interest rate on their existing savings account they created a new product with a very similar name and applied a higher rate of interest to it. Existing savings account holders are thinking they are receiving this higher rate as the name of the new product is very similar and why wouldn't be receiving the higher interest rate? Rates have certainly been going up over the last year. Capital one 's only objective in creating this product was to dupe existing account holders into receiving a non-market rate of interest. 
Why not just offer the higher rate on the existing account? BECAUSE they are ripping off existing customers by paying them a low rate of interest.
I missed 3 monthly payments on my bank of america credit card. Just negligence on my part, i was switching checking accounts, and just did n't update my payment information, etc. 
Anyway, bank of america canceled my credit card account because of it, without notifying me, and in the process deleted XXXX rewards points ( cash value of USD {$1500.00} ) I had spent XXXX dollars a year on this credit card every year since 2005. 
I had an outstanding balance of XXXX dollars when this happened, and I paid it off down to XXXX after they closed my account.
I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have  never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX
spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX, I called XXXX to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage loan because if that was my score, I was ready to apply. I had been in touch with this bank periodically while my score was increasing each month. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by XXXX. The bank refused. XXXX refused to help me in that request.
In XXXX XXXX I applied with Wells Fargo for a loan modification, I was denied each time. I went to a local group, XXXX XXXX XXXX who advocated for me to get a loan modification that was approved in late XXXX or early XXXX. I have consistently made my payments on time. In XXXX I was advised by someone to call Wells Fargo to see if I could lock in at my current interest rate of 2 %. I called and spoke at length with a representative that said that I could and she would be happy to assist me with this. I always had problems tracking my account and payments on the Wells Fargo website and she said it was no problem, that she would be happy to send me my mortgage monthly payment amount for the life of the loan, I wanted to get this in writing because of all the problems I have had both current and in the past with this lender. I was shocked when I received notification in late XXXX that beginning in XXXX of XXXX my locked in interest rate of 2 % would be going up to 3 %. I immediately called Wells Fargo and after extensive time on the phone, it was really exhausting, they would get back to me. I forwarded to them the document that promised a 2 % loan rate for the life of the loan, excluding insurance and tax increases. I received a very pompous telephone message from a XXXX XXXX, who was so unprofessional with his snide remarks over the telephone message that the document was not going to be honored. I will attach them when I can within this complaint.
Citibank offered a promotion for me to open a new checking account. I applied using the promotion code and was accepted. The acceptance on the code gave me the steps needed to receive my bonus points with XXXX XXXX. I met all of the requirements and confirmed with Citibank. Citibank Agents confirmed the requirements were met and bonus points would be posted. After many months and multiple communications Citibank denied my bonus stating " you were not targeted for this offer ''. This was not in the written promotion and not part of the application disclosure. Citibank owes me XXXX XXXX XXXX XXXX or they fraudulently dealt with me and misled me into opening a new account and depositing my money. 
The promotion code issued by Citibank was : XXXX. When I opened my new Citi Gold Checking I recieved this confirmation electronically : " When you opened your new Citibank checking account by XXXX/XXXX/2016, you provided the special offer code XXXX to be eligible to receive either : XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citibank ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Basic Banking Package and completing the qualifying activities indicated below. '' I have communicated this request verbally on multiple occasions, in electronic format at Citbank online, and in writing via certified USPS mail. All have been met with no response or a response indicating that Citibank will not issue the bonus points as promised. Please help me resolve this. Thank you.
We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.
In the wake of the news reports confirming that Equifax had security practices which led to the improper disclosure of personal information, I visited XXXX XXXX/XXXX/XXXX where Equifax informed me that my " personal information may have been impacted '' by their data security failure.
My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX I purchased an XXXX vacation from XXXX ( and XXXX XXXX leaving Monday XX/XX/XXXX and returning Friday XX/XX/XXXX. 

XXXX 's portion for 3 nights ( XX/XX/XXXX and XX/XX/XXXX was {$510.00} ). 

XXXX XXXX charged me {$400.00}, {$400.00}, {$20000.00} and {$200.00} for the flight and taxes for 2 tickets. 

XXXX XXXX flight XXXX was supposed to leave at XXXX Monday XX/XX/XXXX and was cancelled. The flight was rescheduled for Tuesday XX/XX/XXXX at XXXX. 

XXXX XXXX refunded both {$200.00} charges and refunded the taxes of {$51.00} from each of the {$400.00} tickets. I disputed the remaining {$350.00} x 2 = {$700.00}. 

I also disputed the XXXX hotel charge for {$510.00}. 

My sister had booked and paid for 3 days of tours. Tuesday XX/XX/XXXX was to leave at XXXX, Wednesday at XXXX and Thursday at XXXX XXXX. We would not have arrived in time for the Tuesday and Wednesday tours ( 2 of our 3 days of tours ) so we cancelled the trip because of the airline cancellation. 

We were not able to stay longer and the airline and hotel would have charged us more for adding days. I paid for 3 1/2 days of hotel and time in XXXX and was only going to receive 2 days and only 1 of 3 tours that could not be rebooked or refunded. 

I would like a refund for the services I paid for and did not receive. 

I did file a dispute with Citi Bank master card but received e-messages that the disputes were closed because I received a partial refund from XXXX XXXX. I was able to send additional information for the airline cancellation but CITI wanted confirmation from the airline that they would agree to refund all the money. The airline would only refund part of the charge. CITI closed the dispute. I believe my dispute falls under the fair credit act. I did not receive what I paid for. I paid for 3 nights hotel and my sister paid for 3 days of tours. We would have only received 2 nights hotel and 1 day of tours. 

CITI reversed both credits ( XXXX and XXXX XXXX ). I would like the {$510.00} XXXX and remaining {$700.00} charge from XXXX XXXX removed from my CITI card for services paid for but not received and beyond my control. 

I provided the proof from XXXX XXXX that the flight was cancelled and rescheduled more than 24 hrs later. I specifically used a credit card because of the added protection from goods and services not provided. 

I am attaching CITI Bank letters, my responses, XXXX total charge as well as XXXX XXXX email cancellation notice sent to my email. XXXX got rid of the breakdown charges in my account and all I have is the total. 

Sincerely, XXXX XXXX
Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error consists of the payment for XX/XX/XXXX reported 30 days late for a mortgage with XXXX XXXX. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit 1 ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.
Carter-Young Inc responded to my first complaint through the CFPB on XX/XX/XXXX stating that they would delete this account from my reports however as of XX/XX/XXXX, this account is still being reported as a collection and is negatively affecting my credit. The company has failed to uphold their agreement to remove the collection account and also did not send any letter stating that they would delete the account ( which was stated in their response ). This account needs to be deleted ASAP, not in 30+ days!
XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.
We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.