WillisBack/dataset-financial-user-claim huggingface dataset:
Report Number : XXXXDate Generated : XX/XX/XXXX, XXXXAccount # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Experian Information Solutions,  Inc>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.>> In the results of your first investigation submitted via your online Dispute Center ( references made to above-mentioned report number ), you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Experian has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>
Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.
They call up to 38 times a day even after payment arrangements are made and they say they will not contact they use XXXX numbers and local numbers sometimes every 15 minutes
I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX   (  now known as  XXXX   ) one week later asking on when my credit report would be updated accordingly. I  was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX   And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX    (  which I do not ) it is past the  statue of limitations to collect and merging a previous bill does not seem to be right. I the n asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted   XXXX   by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with   XXXX    
  
 The issue here is that this information is still reporting the same on all  3 of  my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.
KLS released information via email about a debt I owe to my boyfriend. They emailed him the collection notice and a copy of the bill which included my address, phone number, insurance information and policy number.
TransUnion is failing to report three accounts, two from XXXX and one from XXXX XXXX that should appear on my credit report. 

I have made six ( 6 ) written requests to correct this omission starting back in XXXX  of this year when I cited the XXXX and XXXX XXXX XXXX. 

In response, TransUnion deleted the one remaining XXXX account from my file ( XXXX  ) and since then have failed to return them to my report. 

I have contacted customer service for both XXXX cards and XXXX, and they all emphatically declare they are reporting all of my accounts to TransUnion but that, for whatever reason, TransUnion is failing to include these accounts on my report. 

It has been 90 days since my initial request and over 60 days since they erroneously deleted the XXXX account.
ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.
Hi there, I 'd signed up for a Citibank Citigold account after confirming with a representative by phone that I was eligible to receive their promotional XXXX XXXX XXXX AAdvantage miles after, in the first 60 days, making {$1000.00} in debit card purchases and 1 or more bill payments for two consecutive months. 

After completing these requirements, I was told 3 months later that I was actually not eligible for the promotion. I have followed up numerous times, only to be told every time that the promised promotion would not be honored. In the meantime, I was also assessed ( 3 ) $ XXXX monthly fees just for having the account open. The promotion was what drew me to the account and I had no interest in it had I known it would not be honored. 

Thanks for your help, CPFB! 

XXXX
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 due to Unauthorized and Fraud alert already on my report sine two month ago and i already contact them
Since XX/XX/XXXX, I have been trying to work out a loss mitigation option with my mortgage bank and it has been really difficult. They do not have a loss mitigation office in Puerto Rico, where I lived and always sent the documents late, through XXXX. 
As an example of this problem, I am submitting evidence of two letters. The first one is a letter of Informal Forebearance Agreement dated XX/XX/XXXXsent to me by XXXX on XX/XX/XXXX., as a consecuence of recieveing it late I was not able to act on it in a timely manner. 
The sencond letter, is a Decline letter dated XX/XX/XXXX, in which it informed me, that I had until XX/XX/XXXX, to appeal, but I received the letter via XXXX on XX/XX/XXXX. 
This has been the usual pattern of the mortgage bank, sending the documents late and not giving me enough time to act on them.
Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.
After approximately 15 years of being a customer at Bank of America my account was abruptly closed WITHOUT notice. I went to purchase some, much needed, medicine at the pharmacy and my card did not work. I tried to log in online and my account was locked. 

I called the bank to see what was going on and I was informed that my account was being closed. When I asked why I was told " The bank has the right to terminate its relationship with you at any time and has made a business decision to close your account. '' I asked for a specific reason and that is all that I was told. 

I had about $ XXXX in the account and I was told that it was being mailed to me and that it would take 10 to 15 BUSINESS DAYS. 

I now can not pay my rent which is due on the XX/XX/XXXX. I am going to get charged an approximately {$350.00} to {$500.00} late rent fee because I do not have any access to my money. I am also going to get charged late fees to creditors. I have critical medicine for some VERY SIGNIFICANT medical issues that I now can not pay for, for the next few weeks because I have no access to money. 

I also, have payments from my job that are supposed to hit my account via direct deposit. ON TOP OF ALL OF THAT I CAN NOT OPEN ANOTHER CHECKING ACCOUNT BECAUSE I DO NOT HAVE ACCESS TO MY MONEY AND WONT FOR POTENTIALLY 3 WEEKS. Had I been given even a 24 hour notice I would have been able to pull my money out of my account and take it to another bank. 

This is a COMPLETELY unethical business practice regardless of what the terms in the account agreement state. A bank has captial set aside for unforseen and XXXX business events. Yes, a consumer can close an account with a bank at any time without notice. A bank, however, has funds sitting in an account because this is a XXXX activity. A consumer does not expect a bank to close its account after 15 years WITHOUT NOTICE!!!!! 

I recently entered into a hardship program with my credit cards at Bank of America due to medical issues and I beleive that Bank of America is discriminating against me because I have entered into that program. I think this should be publicly communicated. I do not know what else it could be becaue Bank of America is being very secretive about why they closed my account
On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX
Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.
I was attending college at XXXX XXXX, back in XX/XX/2014. When I had stopped at a gas station to make a with draw from my checking account I with drew XXXX   dollars and still have my receipt for when I last used my account that day. I reported my card stolen the moment i found out the bank was trying to reach me at my house phone, I wasn't there nor able to get to the call until I went to the bank and found out my account was negative at a outstanding negative balance,. I said that cant be I had over four thousand dollars. i had looked for my debit card every where but couldn't find it after my last transaction. I have my police report and i filled out two identify theft packets at the time in the year of XX/XX/2014. I can assure you that no one else had my pin nor i shared my bank info with anybody. i have talked to various lawyers about this case on coming to a resolution with the bank and being able to get a subpoena, to try to check the atm cameras on who really made these transactions. i also spoke with a detective from fraud over this matter but than he also got bored of trying to help me fix this problem like if he didn't want to deal with it no more. the bank sent me a statement of the transactions that were being made and i showed the detective of all the ones i don't recognize which was the majority. the fraud checks that were deposited are not my signatures, i showed the detective everything that would be able to help me in this case. i still to this day don't like my money sitting in the bank due to this matter i got robbed by someone who committed fraud on me and i hope to come to a resolution with the bank because the bank only acknowledges the negative balance on the account but not the money that was in the checking account before it went missing. therefore im not paying the negative balance because this is fraud and can assure you i will not rest until this is solved and every one is happy. like I said till this day i haven't been to the city where all these transactions took place. and as i recall wells fargo was going through a crisis at that time of year where fraudulent accounts were being created by employees who worked for wells Fargo.
US bank foreclosed on my property XXXX XXXX XXXX XXXX XXXX Pa XXXXWith Illegal documents. this documents. were filed in the XXXX distrct court. 
thess dicuments were filed by the same person for XXXX diffrent banks XXXX being bankwrup. 
Argent and its sister company XXXX. please find with this complaint dicumentation of this from the XXXX Th Didtrict court. also finf out fated notery stamp used to ffile these documents.
The company calls 2-3 times per hour all day. They also call around XXXX EST often times. This is harassment.
ON XX/XX/17 I SPOKE WITH A PERSON FROM XXXX XXXX AND THEY EXPLAINED A PRODUCT THEY WANTED TO SELL TO ME. I TOLD THEM TO LET ME THINK ABOUT IT AND GET BACK TO THEM, THEY TOLD ME THEY WOULD NEED MY ACCOUNT INFO TO HOLD THE PURCHASE AMOUNT FOR IF AND WHEN I CALLED BACK BUT THEY WOULD NOT TAKE ANY MONEY OUT OF MY ACCOUNT. SO I BELIEVED THEM SINCE IT WAS SUCH A SMALL AMOUNT AND I GAVE THEM MY INFO, WELL THEY DID NOT WAIT FOR MY CALL THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. I CONTACTED THEM WHICH THEY NEVER ANSWERED OR CALLED ME BACK AND I CONTACTED MY BANK AND NOTHING WAS DONE EITHER. PLEASE I WOULD LIKE MY MONEY BACK FOR THE XXXX
Fraudulent accounts opened American Express opened on XX/XX/XXXX in amount of {$34000.00} American Express opened on XX/XX/XXXX in amount of {$2000.00} XXXX DBA Mr XXXX opened on XX/XX/XXXX has a {$0.00} balance. 

XXXX Bank opened on XX/XX/XXXX has a {$0.00} balance.
I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.
XXXX is trying to collect a XXXX payment and I have not had the service since 2012. It was a attempted charge because of the fact I refused to sign another contract for phone service. I sent a letter to explain and did not hear from them again until this surfaced last week from Convergent Outsourcing at XXXX. They have also damaged my credit by reporting it last to the credit report companies. I am over XXXX years old and they are abusing, and ruining my excellent credit.
I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.