WillisBack/dataset-financial-user-claim huggingface dataset:
At this time I want to inform you that because your office is reporting invalidated information to the 3 major Credit Bureaus this action constitutes fraud under both Federal and State Laws. Due to this fact, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character On XX/XX/2018 I opened the following case with the CFPB XXXX. This case was closed today, but the information required by law was not provided in the answer from the company. I received the original instrument, according to state law ALLY financial has to provided deficiency notices in order to report a repo on my credit report. This was not received per FCRA this has to be removed because 30 days has passed and the company has not provided the legal requirement to have the right to report this on my credit history. There have been several miss-applied payments to the account in question. Each time a call was made to ALLY financial when each misapplied payment was made. 

IN addition to this, I have disputed the information on my credit file and ALLY financial should have notice of this information as well. 

The request to provide a notarized copy of the deficiency notices mailed to the address on file has not been satisfied. Legally this would be considered fraud. I will open up a case with the FTC and file a ID theft notice and seek legal action against ALLY financial for violation of FTC up to {$1000.00} per occurrence. 



Once again in a timely manner please remove this information from my credit report
I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together
Experian and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported Experian still does not have my correct telephone number and even though I have reported and repaired the number multiple times. XXXX is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report
I filed a dispute of unauthorized charges on XXXX XXXX for the total of {$3200.00} through XXXX. I did not authorize charges and signed an official statement to chase stating that I did n't do so, as well as notified the organization. Today, XXXX XXXX, Chase ruled against me in my claim in their official correspondence letter. I would like to escalate this matter as the transactions were unauthorized and Chase did not rectify the issue.
I applied for a charge card with XXXX 's. I received a letter in the mail indicating that my credit rating level was insufficient to receive a lower interest rating, therefore, my application for a credit card was rejected. It originally showed a high credit rating, then went down to XXXX. The reasons for the rejection were : Available credit on open revolving accounts were too low ; Newest delinquency/derogatory status on accounts is too recent ; No usable real estate accounts ; number of inquires was also a factor, but effect was not significant ; and ratio of accounts consistently paid on time to all accounts is too low. 

I owe NO one, own my home, have only 1 credit card that I haven't used for months, and if I did, I paid off immediately. I did receive a notice on my one charge card that I was delinquent in paying the balance. I did notified that company that I did not charge anything on that card from the source they should, they removed it from that charge card and reimbursed me and said it was an error. So, you can see, I have never ever had any problems with credit rating and I want this changed. I also will not pursue any account at Meijer 's for this error.
I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.
Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.
I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.
I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request
A woman named XXXX is calling all of my family members saying that I owe a debt. I do not have any outstanding debts. When I called back the message says they are from FMR. The number is XXXX.
Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.
Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.
Chase 's response on XX/XX/XXXX to my complaint filed with CFPB on XX/XX/XXXX ( complaint ID : XXXX ) was not correct and the provided documents didn't support/relevant their response. Thus, I would like to file re-open this complaint. 
Now, On Chase 's response letter, Chase said that their denial decision to deny my 2nd dispute for the transaction of {$6000.00} was based on 3 reasons. Thus, I disagree to these reasons : 1 ) Chase said that " The merchant already responded by providing a copy of the signed contract and confirmed that the services were rendered. '' I disagree because : Page # 6 of the attachment ( which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) is the failed inspection notes from my city inspector. One of these notes was dated on XX/XX/XXXX. These notes are the evident to prove that the Chase 's response was NOT reflected the true/reality of situation because the services are NOT rendered yet due to the failing building code of city inspection issue. 
The copy of the signed contract is just the contract to enter the project, it has nothing supported or confirmed that the services were rendered or completed. 
2 ) Chase said that " Because we did not receive any supporting documents to prove that the services that were provided were not as agreed upon or a second opinion letter as requested, we could not confirm a billing error occurred '' ; I disagree because : After I filed the 2nd re-dispute, on XX/XX/XXXX I received the letter from Chase Dispute Department ( details on the page # 2 of the attachment and which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) which instructed me that Chase would contact me if they need more information to dispute the charge. Thus, since this letter mis-instructed me, I held on the supporting documents for my 2nd dispute to for someone from Chase to contact me to obtain it as the letter 's instruction. Additionally, I had contacted Chase disputed department several times and always got the same above instruction that well contact you if we need more information to dispute the charges.. 
3 ) Chase said that " We are now past the dispute timeframe ''. 
I disagree because : Chase 's response also confirmed that my 2nd dispute was filled on XX/XX/XXXX while the transaction was done on XX/XX/XXXX. According the Chase 's guideline the dispute timeframe is 2 billing cycles. Thus, my 2nd dispute was file within the dispute timeframe allowance. 
Thus, Chase couldnt provide any reasonable reason including the document to support their wrongful denial decision on my 2nd dispute on the response letter on XX/XX/XXXX. Thus, Chase should approve the dispute because it was filed with the reason of non-qualified service which proved by the fail inspection notes from my city inspector document which detailed very clear which and how and where the job was done non-qualified.
On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.
On XX/XX/XXXX, I reached out to the BBB for assistance on an Equifax, Inc. complaint. In XX/XX/XXXX, I had tried to access my credit report online through credit monitoring software many times and was unable to do so. Several lenders and credit card companies also tried to pull my Equifax credit file and were not able to do so ; this has been going on for over a year. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reached out to Equifax to get this resolved but I was told my credit file was too large. After the BBB started an investigation, an Equifax representative stated they were sending me a copy of my credit report. Since then, no credit card company, mortgage lender, and even I ca n't access a copy of my Equifax credit report. Today, XX/XX/XXXX, I contacted Equifax again and was told by a CSR that I have two credit files that need to be merged into one so that my credit report can be pulled/accessed. However, when I asked the CSR about merging the file so it could be pulled/accessed, she stated she could not merge the file. She also told me online credit reports, credit monitoring services, lenders, and credit card companies can not pull my file because it is split. I have made multiple calls to Equifax on this issue to no resolve. I have been denied several mortgages and multiple credit cards since my Equifax file ca n't be pulled.
There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.
I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.
I had a disputed charge rising out of a dispute over cleaning bill that happened in XXXX 2009. 

The charge was sold to a collection company out of state, and it was left on my credit file. 

I have contacted the collection company, and amicably agreed to pay half of the amount in exchange to the removal of the record. 

I paid as agreed and received a receipt for that transaction. 

I have found that the record was still on my credit file on XXXX. On my second inquiry, I was told to pay the whole amount from the debt collection. 

I believe that the debt collector was using misrepresentation and intentionally try to hurt my credit to extol more fund from me. Please check on the facts and help me.
On XX/XX/XXXX I thought I had transferred {$1900.00} into my checking account from my XXXX Visa Debit card. I received a confirmation email that the transaction was completed but the account information only showed the last XXXX digits of my bank account number which were correct. I called BofA the following day to tell them the money was not deposited into my account even though they sent me a confirmation that it had. They assured me it had. Then they said transactions take up to 5 days. I waited, still nothing. The transaction was from a BofA XXXX debit card to my BofA checking. It should have been instant which is why I was concerned. After several days of waiting and still no deposit. I filed a claim. The investigation revealed that the money was deposited into someone else 's account. Nearly {$2000.00}! When they told me I figured they would see that it was an obvious mistake as people make mistakes and so do banks. In this case the bank said there is nothing they could do as I authorized the transfer when I entered the account number incorrectly online. I explained to them it was an obvious mistake as our account numbers were very similar. We had the exacted same account number except theirs had a XXXX and mine a XXXX. The last XXXX digits were the same which is why I did n't understand why the deposit had n't shown up when I received the confirmation. At that point I had not realized my error but BofA very well did and could have corrected right then and there and did not. I had to file a claim. Long story short the claim was denied because apparently entering an incorrect account number is an irreversible mistake. This is the part I do n't understand and want to see that this flawed system is changed so that myself any the millions of other consumers do n't fall victim to it like I did. Did I mention it was nearly {$2000.00}? The transfer required me to enter an account number no name or account number confirmation. That 's it one number wrong and your money is gone forever. No way to retrieve it because apparently I authorized it by hitting the enter button. I just want my money put into my bank account. Now they 're telling me I have to file a small claims against the person has my money because the bank is doing nothing to get it back. The system is very flawed and I will do my part to get it fixed. I hope I have the support of CFPB to make this happen because I ca n't be the only one this has happened to. How is it possible that a transaction can be made into an account without the requiring a recipient name or account # verification? They are treating this as a retail transaction but it does not show up on my statement as that. It shows up as a direct deposit transfer. The terms and conditions state that direct deposits can only be made into the card holders account. I explained this to the claims department and he said I know that statement is misleading. What?!!! If the account number was wrong and it did n't match my name the deposit should have been rejected. Period!
I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.