WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent a certified mail return receipt direct dispute under FCRA 623 to Bank of America based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Bank of America 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation.
Starting XXXX XXXX, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of XXXX XXXX and XXXX XXXX, I incurred a total of XXXX overdraft charges at $ XXXX/piece for a total of {$310.00}. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. 
Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn. 
On XXXX XXXX, 2016 I met with XXXX XXXX, a representative with Rabobank at the XXXX XXXX, CA branch. I asked that she provide me with all the documents I signed or initialed associated with the account ( s ) in question. She could NOT provide me with any documentation where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. XXXX XXXX could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. 
During my visit with XXXX XXXX, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. XXXX XXXX assured me that she did make the appropriate changes as requested. 
On XXXX XXXX, 2016 I incurred another overdraft charge of {$35.00} as a result of the aforementioned " issue ''. The changes I requested were obviously not made. 

At this point I have incurred a total of XXXX overdraft fees at $ XXXX/ea. for a total of {$350.00}. I am requesting that all XXXX of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.
I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
I was given a counterfeit XXXX dollar bill by my bank and the bill was held by my other bank. I made a withdrawal from my Bank United branch on XXXX XXXX in XXXX and made a deposit to the XXXX on XXXX XXXX in XXXX XXXX. Bank United never replaced my money due to their having accepted a counterfeit XXXX dollar bill.
I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft please remove Bankruptcy : XXXX XXXX XXXXXXXX
The company keeps calling me about a debt that is owed. I informed them that I could not afford the debt and I still keep getting at 3 calls a day threatening legal action. They are also contacting my fiance and other relatives
In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.
This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.
On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.
After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. 

( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''
My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XX/XX/XXXXInquiry fromXX/XX/XXXX + Credit Union XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   Inquiry fromXX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX + Inquiry details XXXX - XXXX  Inquiry from XX/XX/XXXX+ Miscellaneous Utilities XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX+ Telephone Companies XXXX   Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry fromXX/XX/XXXX + Personal Loans Cos.

XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX XXXX SOC SEC # XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. XXXX
In XX/XX/2013 I took a loan from Western Sky. The interest rate I was offered was different once the loan was deposited to my account.  Immediately I contacted Western Sky who informed me that the loan was sold to XXXX. Later I took the dispute to XXXX who at the time couldn't resolved my issue. Ultimately, this illegal loan was sent to a collection agency by the name of Delbert Services. Delbert is currently reporting a charge off on my credit report. I have disputed by concerns with Delbert many time and they refuse to remove the Western Sky XXXX from my credit.  At present Delbert is still reporting, yet claim they have sold the loan XXXX (unable to locate this company).  This is an illegal loan, and Delbert refuses to remove this Western Sky loan from my credit file.
This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.
I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.
They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt
shopping around to buy newer car XXXX and XXXX XXXX and brought one. shopping around in XXXX and XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single  inquiry,
Issue # 1. Decades of Missaplied payments, in Navient 's favor : My mother consolidated me and my brothers student loans into a XXXX XXXX Parent plus loan back in the mid-late 2000 's. The XXXX separate loans had varying interest rates, and separate payment streams, so that I could pay down mine, and he could pay down his. Over the years, we found that XXXXNavient misapplied my payments in their favor. After years of this misapplication, and countless calls to their customer service departments, we have never received any type of followup, feedback, or resolution to the complaints we have made to have these issues solved or rectified. Promises are of course made over the phone ( we 'll straighten this out ), but the systemic issue is never, ever resolved. Therefore - I believe that with almost a decade 's worth of misapplied payments, my nearly {$60000.00} student loan, can and should likely be halved ( due to almost the retroactive correct application of nearly {$20000.00} of missapplied payments ) as I 've been paying diligently, and in excess of the minimum rate, to ensure I can pay it down quicker, and erase the interest and principal in a strategic manner. 
Issue # 2, Navient misapplied my mother 's payments to different account : I believe during the transition from XXXX to Navient, something happened where my mother paid her regularly scheduled 8 monthly payments of {$160.00}, totaling {$1300.00} - but they were misapplied to a different account, with a transposed XXXX digits. We incurred late fees - which we have already paid. My mother wrote a letter to them, they said they never received, we have even provided documentation from our own bank records detailing that these payments were taken by Navient. So - we need {$130.00} in late fees reimbursed, and the {$1300.00} properly applied to our account.
Customer Advocate Services Team, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, UT Subject : American Express Plenti Credit card Account Ending in XXXX - Alleged Discrimination - Customer Service Experience I called XXXX XXXX XXXX PCT XXXX regarding address changed above card answered name called Supervisor XXXX ( Customer Service Center in FL ) treated me so unprofessional. I felt she treated me as Discrimination due to way I talk. She said ARE YOU TALKING ENGLISH OR WHAT? I CAN NOT UNDERSTAND YOUR ENGLISH Please review my call and verify how about customer service. I am customer since XXXX and she never treated me as a valued customer. 
This is a second complain I made this month regarding your customer service and Please dont treat different ways for customers Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for Transunion and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.