WillisBack/dataset-financial-user-claim huggingface dataset:
I financed the vehicle in XX/XX/XXXX. By XX/XX/XXXX the vehicle had been totaled lost. XX/XX/XXXX my insurance company made a payment of {$8500.00}. I was told by the finance company that the gap insurance was approved and would take care of the reminding balance. On XX/XX/XXXX the gap insurance kicked in and it didnt cover the reminding balance. So Im left with a {$220.00} balance. The finance company reported to the credit bureaus in XX/XX/XXXX that my account was current. In XX/XX/XXXX they reported that my account was 60 days or more late. If two payments were made to my account. One on XX/XX/XXXX and the other on XX/XX/XXXX. How can they report in XX/XX/XXXX that my account is late?
On the date XX/XX/2018 an unauthorize transaction of the amount of {$480.00} was deducted from my account thru a XXXX XXXX atm in XXXX XXXX. I called the next day to report of the issue they got all my information two weeks later i have not received any letters or a phone call of the solution of the claim.i called XX/XX/2018 just to hear that they denied the claim because the pin number was entered right the first time. I was upset because i trust no one with my financial assets how can this be! So im seeking help thank you. 

Sincerly XXXX XXXX XXXX
My wife purchased a washing machine on XX/XX/XXXX for installation in my new home that was under construction. 
When the house was ready we informed the merchant and expected delivery. 
Merchant refused to deliver, stating that my credi card company ( Bank of America ) had not transferred the funds to his bank ( XXXX XX/XX/XXXX ) The sum of money {$420.00} is in dispute. 
My account was debited accordingly.

My wife has made 23 calls to various personnel at B of A. 
She spent a couple of hours with the merchant at his bank trying to trace the alleged BofA transaction. 
XX/XX/XXXX requested written evidence that BofA made the transfer. 
BofA refused to send the documentation. 
We received a letter from BofA dated XX/XX/XXXX stating that our account had been reviewed by the bank and that the charge was no longer being disputed -- totally erroneous. 
Several calls were subsequently made by my wife, and yesterday I personally went to the XXXX Ca branch of BofA to speak to a bank officer- We both had a telephone conversation with a BofA rep from Utah , XXXX XXXX -- very civil and accomodating. 
However he stated that he could not send any written confirmation of the transfer -- he quoted a reference number XXXX that he suggested we give to XXXX XX/XX/XXXX for subsequent investigation of their records. 
This ' '' might '' prove that BofA had sent the funds. 
Having been effectively fobbed off by most of the Bof A personnel whom we called ; Having coordinated things with both the merchant and his bank-to no avail, the situation has become extremely frustrating and unacceptable. 
Therefore we request assistance to resolve it
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania
I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of XXXX
Hello, account # XXXX from XXXX XXXX has been paid and closed. You have documented that the account is " paid as agreed ''. The account is appearing on the negative items of my credit report. Please remove the item from negative or delete the account. You are reporting false information ans as per the FCRA you are in violation. Thank You.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the PMAB LLC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
On XXXX XXXX XXXX I sent a certified validation letter, with signature requested, to Portfolio Recovery Associates, LLC to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX XXXX, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.
Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.
I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.
Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?
My wife and I were looking to refinance our loan and chose to work with a local mortgage broker. We were given the choice on which company our loan would be sold to and decided to look at Chase because our other accounts are there. I called and spoke to a representative about the Chase Mortgage Cash Back program and asked several times if we would qualify if our loan originated with a mortgage broker and was then sold to Chase. I was assured that everything would be fine and we would be eligible. We went ahead with the refinance and our loan was sold to Chase. When I tried to sign up for the Chase Mortgage Cash Back program, I was not able to. After talking to several different representatives, I was told that we do not qualify for the program and there is nothing else that I can do about it even if I was misinformed and mislead. Since we chose to use Chase at a higher rate with the understanding that the program would reduce the cost, we will now have to pay over {$4000.00} over the life of the loan without this resolution.
I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.
please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).
Opened a secured card. Company not reporting account, nor reliable payments. Opened for credit repair. They also charged a joining fee which was not obviously disclosed.
The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX.  BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.
In XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Our company account was closed due to the sale of the business in early XX/XX/2018, we have a credit balance in the amount of {$670.00} that we have been attempting to recover for the past 4 to 6 weeks. We have made 3 calls to their customer service number, the last time today, XX/XX/2018, and the we are told that a request has been sent to their AR department who is responsible to process the refund, but when a call is made to check on the status of the refund there is no update to our account.

Their customer service staff acknowledge that there is a credit balance and that a refund is due and that we will receive notification of the status and a refund check. But as of this date we have not received the refund check and they and they can provide no additional information since it is in the hands of their AR department.
I have more than XXXX Ultimaterewards points accumulated in my Chase account over many year which worth over {$2000.00}. I just noticed that the point balance returned to zero. I called the custom service and they told me that my Chase freedom card was closed by Chase due to inactivity ; hence the points balance was forfeited as I did not redeem the points in time. Even though Chase claimed that they have sent me letter notifying me about the account closure ; from my side, I have not received any about account was closure. Hence, I was not aware that I should redeem the points. I accumulated the points over many years as a customer using Chase credit card, forfeiting the points is not a fair practice.
Somehow Experian seems to have verified some information, That XXXX deleted. XXXX   deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Experian somehow verifies it.?? 

XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Experian is in violation of the FCRA, XXXX Deleted the same item that I challenged at Experian
I have received numerous calls from this debt collector during the hours of XXXX to XXXX.
Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.
Synchrony Bank/JCP, are stating that I have not been sending in my payments when I have been mailing through my bank checking account every XXXX Wednesday of the month since I have had the card. But in the last 3/4 months I have been getting statements saying I have not paid on my account. I originally owed {$330.00}, in which I have been sending a payment of {$30.00} each month ( I do have the bank records to show this ) but Synchrony have been sending statements that they have not received this money and adding on ridiculous fees & charges bringing my account to the {$420.00}. I 'm a XXXX on a fixed income and I do n't need the this type of trouble. Please help
I XXXX XXXX called XXXX XXXX to inquire about current bill to set up payment plan and was informed I had outstanding bills I had at the Medical Revenue Service XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX XXXX XXXX ( collection agency ). I verified the amount owe. Amount of account owed ( {$360.00} / {$120.00} / {$12.00} ) I asked if I could just pay XXXX and was told I had to go through Medical Revenue Service. I called them immediately and paid a portion of my bill on XX/XX/XXXX and ask if this was on my credit and was told yes it was and I set up a payment plan. I was told it would be XXXX balanced once paid ( XXXX letter sent ) and paid as agreed on credit report and that meant that would be taken off my credit. I did not seek a settlement because I wanted to pay my debt and it was coming off my credit. A couple of weeks later I called and paid off the bills completely on XX/XX/XXXX and was told I would get a XXXX letter and it would take 10 days. I waited for the letter and received a statement in the mail. I called and inquired to see if the letter was coming and when will it would be taken off my credit. I was told that there is no letter that the statement shows XXXX balance and that's all I will get and they would not take it off my credit. I tried to explain to the representative and asked for a supervisor or manager I was told there is no one else I can talk to and the representative did not even attempt to send me to someone else. So now that I have paid my account they will not do anything for me as a consumer
I have been stuck in an interest loop with Navient for 2 years ( I started paying on my large loans after consolidating them through XXXX XXXX, which then turned into Navient ). My accrued forbearance interest is XXXX, ( this accumulated because I did not have the money to start making payments on my loans when I graduated at first, XXXX was my servicer at the time and they claimed putting it in forbearance would be appropriate because I could n't make less than a XXXX $ monthly payment, there were no repayment options for me at that time. ). Now I am gaining daily interest on my principal balance which is around XXXX, where in my " repayment plan '' payment is barely covering the XXXX accrued interest on my principal balance. I am making no HEADWAY on my principal balance or my forbearance interest. I have around a total of XXXX in student debt, and it says my term is 140 years??
I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.
We received the ATP from HUD in the begining of XXXX. We got the offer and everything over to Mr Cooper through equator after the 2 week marketing period. There were a few additional requests for documents and corrections and they were all completed. We have been waiting for responses and requesting updates since XX/XX/XXXX and I was told that NOTHING Has been done to the file since the XXXX. We have an offer that is compeltely meeting the ATP guidelines and our buyer is going to loose their ability to get a mortgage at the end of this month. I have been emailed and requesting updates with absolutely NO RESPONSES. Yesterday the XXXX XXXX emailed me to let me know that she is waiting for a variance ( that should not been needed being we have the ATP ) and that the client needs to be 31 days past due. This is untrue because we have a ATP. She is not properly working this file and her co worker at MR Cooper specifically told me she has not TOUCHED THE FILE since XX/XX/XXXX. We received the contract approval on the XXXX, there is no reason it should be taking this long.