WillisBack/dataset-financial-user-claim huggingface dataset:
There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.
On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.
Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. I called this Universal Fidelity LP disputing the alleged debt, and the representative on the phone said we will notify their client and get back to me, but i never heard back from them and all the sudden they seem to sell this improper debt to another collection agency. Also he said the collection efforts will continue and maybe reported it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on XXXX XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the consumer financial protection bureau, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. Thank you for your attention to this matter Respectfully Yours, XXXX XXXX
On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.
They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.
I have actually resolved this problem but am very concerned about others in this same predicament. I received a bill for {$23.00} from  Chase milea ge plus  XXXX  in  XXXX  with payment due on Sunday,  XXXX   XXXX . I paid the bill via bill pay from my bank on  XXXX   XXXX . The payment arrived  XXXX   XXXX , Tuesday. My next bill arrived with a {$15.00} late charge on a {$23.00} bill. I found this to be infuriating and appalling. I have received assurance that my account will be credited next month but I am still angry and wondering if this is even legal? Thanks
Today, Thursday XX/XX/2018 someone stole {$1.00} from my account, more would have been stolen had there been more money in account. Tomorrow is payday so I am concerned. Citibank is currently my banking institution. This is the second time in three months that Citibank allowed a fraudulent transaction to take place. I live 60 plus miles from where the fraud transactions were authorized. I havent been to the city where they occured in a very long time, almost a year or more. XXXX XXXX is who atole my money, via Citibanks approval for the transaction. I have researched XXXX XXXX and there are several websites reporting their fraudulent activity. If Citibank wishes to become a reputable bank then maybe they should be up to date with who has more fraud reports and denying the transaction immediately! 
Twice in the last two years, I have tried to access my money via my debit card and Citibank froze my transaction. The embarrasment snd stress I felt while trying to complete my transactions. Kudos to the fraud team at the time for trying to protect me, from me. Yet now its a stranger who is authorized to use my funds and I am punished. My payday is tomorrow, I need to have access to my money. A temporary card was offered but yet the bank does not open until XXXX XXXX. What if I needed to access my money at XXXX? I sm screwed because of XXXX policies. Allow the thief to steal her money, yet agsin and punish the single mother of a XXXX XXXX child who barely lives paycheck to paycheck. 
Citibank refused to refund my XXXX today, stating they have to investigate. I want the bank to held accountable for this incident just as much as XXXX XXXX should be. 
In XX/XX/2018, my sons account was also affected. He has an acct for his Social security XXXX. Two transactions were allowed totaling {$150.00} for a gas station in XXXX, while I sat bedside for my son at a hospital in XXXX, CA. It takes more time to receive my new debit card and to have the funds returned cs authorizing the theifs to steal my money. Citibank should be investigated, fraud dept needs makor improvement and tjis needs to stop. I do my best to protect my purchases i.e. entering pin number and I dont appreciate being used as a pawn in their partnership, banker and theif vs financially struggling parent. 
I have contacted both parties, Citibank refused to refund my money today and they refused to overnight a new debit card.
Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX
This complaint is in follow-up to CFPB Complaint Number XXXX. 

The response from Bank of America does not address the original complaint. While Bank of America can release the joint account information ( accounts ending in XXXX and XXXX ) to the other co-owner of these accounts, I did not give Bank of America permission to release my personal account information ( accounts ending in XXXX and XXXX ) to any third party and Bank of America has not proved otherwise. 

My disputes with Bank of America 's response are as follows : 1 ) Bank of America provided a signature card for the account ending in XXXX showing joint ownership for this account. This fact is not in dispute. Bank of America did not show signature cards for the accounts ending in XXXX and XXXX which were personal accounts opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
2 ) Bank of America provided a Deposit Agreement and Disclosures document, effective XXXX XXXX, XXXX. The accounts and bank statements in question were all opened at the same time in XX/XX/XXXX. The XX/XX/XXXX rules were not in effect in XX/XX/XXXX. 
3 ) The consolidated statements that list all XXXX accounts was created by me for my personal convenience, doing so did not Bank of America permission to release private account information to any third party. The consolidated statements were addressed and mailed to me monthly XX/XX/XXXX through XX/XX/XXXX. These consolidated statements were never shared with the co-owner of the joint account because that person was not entitled and still is n't entitled to my personal account information, doing so eight years later is a breach of identify theft. These consolidated statements unless redacted of all personal financial information can not be now sent to a third party, eight years later without my consent.
I was with a third party consolidation company called performance XXXX who misrepresented themselves by saying they will file all the paperwork for a pay as you earn and I was under the impression that they would be my loan servicer and not XXXX that I currently have. I found out after paying them for 2 months of services that they just consolidate and that 's it. I tried to cancel their services but they state to go through loan servicer XXXX who has no record of them and either does the department of education. I believe that I have been scammed and now I have to figure out how to cancel services.
I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma
XX/XX/2018 XXXX XXXX has opened a PayPal account in my name using my social security number. BY LAW PayPal is to get in contact with me before checking my credit THEY FAILED TO DO SO. XXXX XXXX sent a pair of shoes to my mothers vacant house. My mother stated she shes was going to see if any mail came and she notice a box from XXXX XXXX with my name on it from PayPal. I live in XXXX not XXXX so i called PayPal and they said they did check my credit and didn't know????. my credit has a freeze on it and some how let it go though. XXXX XXXX has been after my credit for months i have all police reports and PayPal let it happen. Now they are not responding to me.
My current bank USAA FSB has violated my financial privacy by adding my partner to my PERSONAL checking account after being instructed multiple times not to. They have also been unable to remove him without signing a form. This seems inconsistent with the fact that I never authorized him to be added in the first place, instructed them to open up his OWN account yet they still failed to listen and let him get added anyway.
I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?
In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.
TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.
Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX
On XX/XX/2017 I accidently made a {$670.00} payment to a closed Ally bank auto loan. I asked they refund the payment on XX/XX/XXXX Ally stated the account is closed it will reverse automatically. I followed up with Ally bank today and was told no it will not reverse automatically they will instead hold my payment for 10 days arbitrarily and mail a check. The Bank I sent the payment from XXXX offered to send any proof Ally needed to show the payment has cleared Ally refused and stood behind waiting 10 days to mail a check.
XXXX   XXXX   XX/XX/XXXX  {$390.00}  XXXX - XX/XX/XXXX  - XX/XX/XXXX  {$0.00}   XXXX   XXXX   XXXX   XX/XX/XXXX  {$0.00} I would like to provide proof I consented t o this inquiry via fcra section  609 and 605 as well as the accuracy of this inquiry via fcra section 623 if you have no proof immediately of any or one I would like it removed immediately Iv asked for these to be removed more than once and have never got any answers nore have they bin  removed
XX/XX/XXXX Complaint against : Capital One Auto Finance Account number : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IN XXXX To Whom It XXXX Concern : Capital One Auto Finance called me daily for a month, I kept telling them my husband lost his job and we could not pay. Finally when we got behind I asked for lower payments. 
Capital One offered an extension to the loan for two payments, two payments would be put on the end of the loan. 
They called it an extension, but really its a forbearance agreement. 
We have great credit, I want to make sure we keep our credit clean as we are already back on track with our finances after a few months of hardship. 
I was clear and asked very pointedly if our credit would be affected, Capital One said no it would not be affected negatively because I made this agreement with them. 
To my horror Capital One put a 30 day late on my credit. 
I called Capital One on XX/XX/XXXX and then on XX/XX/XXXX ( the department was closed on Sunday ) to discuss two things : 1. I have not received via email or mail the forbearance agreement/extension agreement. 
2. I have called multiple times as this agreement has to be faxed back by the XXXX I am told. 
3. The 30 day late needs to be removed as I was told if I did the agreement my credit would be safe and Capital One would not give any negative marks. 
When I called on XX/XX/XXXX I spoke to XXXX who said that I am still behind. How can that be? I asked he said because you still owe a payment. I said but the last two payments from XXXX and XXXX are at the end of the loan, so I owe XXXX? He said, no you are behind. 
This is not acceptable. You can not have it both ways where you put payments at the end of a loan and also hit my credit for being late! 
Also, I still have not received the email or anything via mail with my agreement attached/sent. This is very scary as I am told the agreement will be voided if I dont send that information in! 
And they are debiting my account a payment on the XXXX, I was told it had to be by the XXXX in order for me to keep my credit from being harmed. I am not sure why the XXXX as that is not my due date each month. 
Please assist and thank you in advance. 
XXXX XXXX
I setup an automatic pay for my Target credit card starting in XXXX. I was not aware that the payment was not made until XXXX when I received an alert from XXXX XXXX that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by XXXX XXXX there was an issue with my credit report. As soon as I saw the XXXX XXXX report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of XXXX and XXXX even though the account was paid in full in XXXX. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for XXXX and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.
I 've reached out to this company several of times about the collection account that they are still reporting on my credit which was last reported in XXXX XXXX, but the account was paid in XXXX. This is hurting my credit tremendously, and I need this item completely removed. If we ca n't get this issue resolved I will be forced to file a legal lawsuit for knowingly destroying my credit.