WillisBack/dataset-financial-user-claim huggingface dataset:
I have for months disputed erroneous information listed on my credit file to Trans Union. I asked for a 'description of procedure'/ 'method of investigation ' from them but all I ever received back from them was, 'verified as accurate and updated, dispute not specific/verified and updated '. They have never given me a clear explanation, description of procedure or method of investigation as I asked. 

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to Trans Union 'the item was verified as belonging to me and other account information has changed, or the item was updated to reflect recent activity '. I even sent them paperwork XX/XX/XXXX & XX/XX/XXXX showing where XXXX had deleted this because they couldn't verify/validate with evidence and Trans Union still refused. This is in clear violation of the FCRA. 

FCRA 607 ( b ) states Accuracy of Report ; whenever 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. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; What I think they are doing is not reading what I am sending in because they think this is some kind of form letter. I'm not sure why they are not looking at clear evidence and not doing their job. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it. 

All this correspondence I will be including for you as well. I had fraud on my account due to multiple social security numbers that were listed on my credit file with XXXX. I am including the letter I had asking them to remove that as well.
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.
Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.
Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest
I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure
When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!
RCS, the Loan Service Provider, has rejected an appeal to my Loan Mitigation Application based on completely false facts. 
This complaint is related to Case number : XXXX
My credit is showing a Chase Card Credit Card with a Current Status and Balance of {$0.00}. The Amount Past Due is {$0.00}. It's a Revolving Account Type. It says Remarks None. It was opened XX/XX/XXXX and reported XX/XX/XXXX. I got the credit report from XXXX and the credit report is from XXXX.
Company - Portfolio Recovery Associates, LLC Acct # XXXX I have sent this company 3 letters trying to get this debt validated with my signature. They sent me a print out of an old bill which is not validation per fair credit laws and Attorney XXXX XXXX XXXX. I received a letter from this company on XX/XX/XXXX stating 15 fair credit reporting act U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ii ), frivolous or irrelevant dispute and stating they will no longer investigate my dispute. The company also changed the amount from {$460.00} to {$660.00} which they were reporting to the credit agencies. I have the letter with the 2 different amounts on from the company. 

Portfolio Recovery Associates, LLC, will not follow the Fair Credit Laws to when it comes to people trying to establish validation of a debt and then increase the amount. This company must think people do n't know their rights or do research or keep documents when trying to get validation of a debt. 

Very Angry Person
On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX   account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX  to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX  and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.
At the beginning of XXXX 2015 I applied to Navy Federal Credit Union for a used auto loan and was approved. I had the vehicle info, the dealership info and all other information that was needed to purchase the vehicle. Before everything was finalized, the vehicle was sold. I cancelled that loan with no problems. Around XX/XX/XXXX I found another vehicle and had all the required info in hand I applied and was approved. That vehicle was also sold before everything was finalized. I called Navy Federal to cancel this loan and spoke to a member service rep and he told me he cancelled the loan and everything was good to go. A couple of days later I am checking my accounts and this loan is now showing up as XXXX of my accounts. I called Navy Federal again and was told the loan was never cancelled by the other member service rep. This rep said they would take care of it. It did n't happen the second time either. The XXXX time I called, emailed through their website and complained on their XXXX page and finally the loan was cancelled but the damage was done. Navy Federal reported this loan to the credit bureaus as if I had received it and given it to the dealership to purchase the car. I called XXXX times to cancel this loan, never went into the bank to pick it up and never purchased a car but this loan is now on my credit report as an open account for {$46.00}, XXXX. I asked Navy Federal to submit something to the credit agencies XX/XX/XXXX and they told me it was not their job to submit anything and pretty much it was all on me dispute it. Even though it was their fault they submitted this fraudulently, it was my job to fix it. I have tried going through dealerships since then to receive financing but no one will give me financing because my credit report is already showing I have this loan for over XXXX already open and it 's making it seem as if I have almost XXXX in debt right now. I do n't, I am only {$22.00}, XXXX. I explained to them what happened and still no luck on getting financing. I still do n't have a car either. I applied again to Navy Federal on XXXX XXXX 2015 and now they are denying me credit. Even though they approved me for a used auto loan all the previous times I applied and XXXX credit cards. I 'm sure they are denying me credit for the same reason everyone else, this open {$46000.00} used auto loan that they submitted to the credit reporting agencies and that 's still showing up on my credit report as open. Now my credit score has dropped a lot because of this and because of all the inquiries by the dealerships trying to get me financing. After all of this, I still have no car, have to rent vehicles or borrow a friend 's car for anything I want to do now. They still have not accepted fault in this and in my honest opinion are not seeing how frustrating and aggravating this is. I am now seeking legal advice and legal action because I need a car and Navy Federal has really left me with no other options.
First a lady called from XXXX and said she was an investigator hired to get information about me and was i aware of a law suit and i told her no. And ask for what company? And she stated she cant tell me so she gave me a number to call which was XXXX and i explained i havent been working in almost a year and she threatened to take further action as in sue me or take me to court after trying to fix the debt. They been calling for months harassing me and other people as well
I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!
Being wrongly sued by Discover Bank and debt collecting attorneys XXXX XXXX for unsecured debt that does n't have any of the following, but not limited to, original contract, terms, incorrect balance, libor rates, lack of standing of plaintiff, etc Please look into this harassment and intimidation letter sent by XXXX XXXX XXXX on behalf of Discover Bank and request all civil action be dropped immediately. As well as report complaint against XXXX XXXX attorney at XXXX XXXX XXXX.
I sold and mailed an item to a buyer using US postal services to send. The buyer never asked for tracking, despite my asking them to do so.

The item was mailed and payed for thru Paypal 's money service.

The buyer states they never received the item and filed a complaint with Paypal. I responded to the buyer 's complaint by providing PayPal with copies of the US Postal mail receipts and as it was sent oversees the customs form copy showing the address the item was mailed to.

Paypal wrongly sided with the buyer and is trying to wrongly collect a {$2.00} charge, which is the difference of the {$48.00} charge they reversed charged to my account.

I called them to dispute the charge and was told by their operator, verbally they were pursuing collections actions against my me for the {$2.00}.

This is wrong, I did as I was supposed to mailing the item as the customer requested, they not receiving it in their country is not my fault, and Paypal is taking the easy way out by trying to wrongly collect a debt on a US individual as they I believe can not go after the foreign person.
XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.
As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.
This is a problem with the Bank of America Travel Rewards VISA billing statement. Bank of America has intentionally used confusing  wording on their billing statement to mislead the unsuspecting or elderly customer to pay only the minimum amount every month, thereby causing them to pay interest on the outstanding amount during the following billing cycle. Here is a copy of their billing statement format : New Balance Total {$1800.00} Current Payment Due {$25.00} Total Minimum Payment Due {$25.00} Payment Due Date XX/XX/2018 They list the " minimum payment due '' twice under different headings. This is very misleading and unnecessary unless they are trying to trick someone. The amount to be paid on this example in order to avoid interest is {$1800.00}. Other credit cards only use three categories : " New Balance '', " Minimum Payment Due '', and " Payment Due Date ''. It is very clear and straightforward. I addressed this issue with B of A and their representative was very quick to give a rigorous and lengthy defense of their format which tells me that they are aware of what they are doing and have intent to defraud. I believe a CFPB complaint is at least warranted and a class action suit is probably needed.
I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.
I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX
I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices. 

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started
I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.
This response is with regard to Complaint # XXXX My name is XXXX XXXX. I had thru XX/XX/2018 to provide a feedback to Compass Banks response. Unfortunately I messed it up and sent a feedback that was completely blank. I am sending this feedback via the attached file. I hope it is accepted and the case remains open. 

My email address is XXXX and I may be reached at ( XXXX ) XXXX. 

I would appreciate an acknowledgement. 

Regards, XXXX XXXX