WillisBack/dataset-financial-user-claim huggingface dataset:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor '', with a reported balance still owing of {$1200.00}. ( See attached Credit Report excerpt ) Their statement was misleading.
I had applied to a Bank of America Home Equity line of credit. During the application process, when I entered in my data to the automated application, it permitted me to go up to 90 % of the LTV, and in my discussion with XXXX XXXX, I provided my information which would move the LTV value to 90 %. At no time did XXXX say anything was wrong with that issue. 

Today, while submitting paperwork, I find my HELOC was denied because Bank of America estimated my home value at XXXX. This estimate is a great deal lower then a XXXX estimate done a week before by a certified estimator. That is suspicious on Bank of America 's behalf. I was also told by XXXX XXXX # XXXX that despite what the mortgage company had on it 's web-site, they never go above 75 %. This is absolutely a bait and switch and an outright lie by Bank of America. I want Bank of America to be put to task for lying to consumers via their applications.
There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
Since XX/XX/XXXX I have received a promotional offer of {$200.00} to open a new checking account with BMO Harris Bank. It is now XX/XX/XXXX and I have yet to receive my incentive for opening a new checking account. Every quarter I brought it up to the personal bankers and Branch Manager and I have not had a resolution. This bait and switch advertising tactic to encourage people to open a new checking account should be illegal. I have not talked to them in almost 4 months because it 's a waste of my time to try to collect something that will never appear. The branch location is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. XXXX. Customer Service says there are no notes on the account showing my request and I 've brought it up to them in 6 or 7 different instances.
Worked out payment plan with American Express to pay off balance but then they canceled card and put it in collections because of a miscommunication between their agents.
I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.
Saw the CFPB suit against Nelnet. I 've experienced  XXXX  of the allegations plus an additional problem.    1.  Fails to correctly apply or allocate borrower payments to their accounts. I had problems making early payments while still in sch ool. Nelnet t old me that any payments provided early would go to " anticipated interest '' rather than the principal. Additionally, there were errors early on in how my payments were applied across multiple loans amounts.   2. Steers struggling borrowers toward paying more than they have to on loans. Experienced this during  XXXX  school on my  XXXX  loans. Was not informed adequately about repayment plans that allow for a lower monthly payment, steered towards forbearance for 2 years.    3. Change  in type of loan. I initially was given  Direct Federal Loans,  when transferred to  Nelnet, the y removed the " direct loan '' distinction. This hurts me under the  Public Service Loan Forgiveness ( PSLF ) program, because PSLF a pplies only to    Direct Federal Loans.
I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.
I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards. 
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ). 
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).
Below is the email sent to the office of the Attorney XXXX XXXX XXXX of XXXX, XXXX. of XXXX XXXX XXXX Indiana XXXX XXXX : " Good afternoon XXXX XXXX, I received a letter from you in the mail on XXXX/XXXX/2016 with regards to the unmet obligation from XXXX Hospital in the amount of {$86.00}. 

I would like to refer you to the letter from XXXX XXXX XXXX dated XXXX/XXXX/2016 informing XXXX Hospital that the above named company is 'the claims administrator for the State of Indiana 's Workers Compensation self-insurance program and are handling ... .. the claim ' and that 'as this is a worker 's compensation claim, please mote that XXXX XXXX is not responsible for any payment related to this ... medical treatment. ' According to the information received from XXXX XXXX XXXX, the billing was unable to be processed due to lack of XXXX XXXX form including the dates of services, diagnosis and XXXX codes, Tax ID number and itemized charges. 

I am positive that once the required information is provided by the XXXX Hospital, this issue will be resolved. 

Thank you for your cooperation. '' After this mail was sent and mailed to the office of Attorney XXXX XXXX XXXX of XXXX, XXXX, there was no correspondence from the above company in the form of letter, phone call or email. I had assumed the issue had been taken care of as promised by the company until i checked my credit report and found out that my score has been further downgraded. I have always pay my bills on time. This downgraded credit report has been affecting me gain employment. 

I implore you to please assist me in resolving this issue.
LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.
I have requested that the following accounts be removed immediately from my credit report.    XXXX ,  Dept of Ed  /   XXXX   ,     XXXX   XXXX   XXXX   . Th ese accounts are fraudulent accounts on my credit report. I have sent in the proper paperwork and police report. I have also contacted the companies to provide proof of contract and none of them were able to. I have tried to work with this credit reporting agency as well as the credit grantor to have these accounts removed from my credit report. If I am still unsuccessful in this attempt, I will be forced to file a suit naming your credit reporting agency, the above creditors, and acceptor of this letter as defendants. Please send me my updated report as soon as the investigation is completed. These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your  company is required to reinvestigate these items and delete them.   I would appreciate the name of the individuals you contacted for verification along with their adress and phone number s o I may follow up.
we have been doing with capital one for months and we dealt with and XXXX XXXX and had no kind of resolution with her because she would tell us one thing and it was something else then I found XXXX complaints with the XXXX office and received letters from XXXX XXXX who every time we called it was a busy signal so there was no communication and they claim they called but left no messages so we did not know what was going on now they select a collection agency one day and were sick of this without eating any kind of proper communication with Y we are ready to sue so this is our last resort we want to settle this but every time we call XXXX XXXX XXXX there 's a busy signal a capital one headquarters in Virginia we are tired of being XXXX over and being the blame so something needs to be with the way that they so call communicate with people
have been writing letters to this company for m ore than two years. I 've made several request for this company to investigate, re-investigate, requested copie s of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou gh TWO YEARS has already passed. Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. Thank you.
the company Mid Atlantic collection service keeps calling me from random numbers XXXX, they claim I took out a online payday loan ( I have never used this kind of service ) they claim to have my social security number and reference a address I had over 10 years ago. They are threatening me with bank fraud, wire fraud, and owing a payday loan company. also say they are contacting my employer and do not have any information validating their claim. As I read other complaints it looks like fraud to me
I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. I requested a debt validation from XXXX and was summarily ignored. I then attempted to contact the original creditor to have the debt validated and was told that they no longer had ownership of the debt. I, again, requested debt validation from XXXX and my request, again, went unanswered. I then filed a dispute with Equifax on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates report and amount owed. The results of the " investigation '' was forwarded to me XXXX/XXXX/2015 and, according to Equifax , the account had been verified. I immediately contacted Equifax by phone and requested documentation showing how the debt was verified as, I had yet to receive any documentation whatsoever after repeatedly asking. Moreover, I explained at great length that the only changes that were made in lieu of my dispute were made by the original creditor to reflect what was being reported by the collection agency. ( see attached ) This change was made despite the fact that the original creditor denied having any documentation pertaining to the account in question because it had been sold. In closing, I would like to point out that the apathetic response I received from Equifax following my dispute, their failure to provide me with necessary/requested documentation, and their complete disregard for the questionable changes made to my credit file following my dispute, is indicative that they never attempted to conduct a " reasonable investigation ''. Needless to say, I would like to be provided with copies of all documentation verifying the debt that Equifax found sufficient. If unable to provide the documentation, I want the derogatory listing deleted from my credit file. Lastly, It is also my hope that the CFPB will take a long, hard look at the way Equifax does business.
On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.
I started a dispute on XXXX XXXX, 2017 stating that several accounts were invalid and should be deleted from my file immediately. Within 30 days Experian completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. Experian has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.
Portfolio Recovery Associates has 3 accounts listed on my credit report that have not been verified. Also Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I have attached proof. I would like the 3 accounts with Portfolio Associates to be removed from my XXXX, XXXX and XXXX report.
We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.
The BBVA Compass bill pay service failed to deliver a payment by a scheduled date of XX/XX/XXXX resulting in late fees with my apartment complex. OnXX/XX/XXXX, I submitted a scheduled payment into the BBVA Compass bill pay system for delivery by XX/XX/XXXX, before the daily cutoff time for processing on the next business day. For some unknown reason the BBVA bill pay system did not process the payment on the next available business day, which was XX/XX/XXXX. The payment instead processed on XX/XX/XXXX, and due to this delay in processing the payment was not delivered by the scheduled date of XX/XX/XXXX. The payment was finally delivered on XX/XX/XXXX, which resulted in a {$35.00} late fee being assessed to my account, ( {$25.00} for XX/XX/XXXX and {$10.00} for XX/XX/XXXX ). 

I then contacted BBVA Compass Digital Services support to let them know about the missed due date and to request a refund of the late fee. I was asked to provide XXXX XXXX, a manager with the company, documentation from my apartment manager detailing the issue. In the document my apartment manager clearly described the late fee, why I was charged the late fee, what my rent due date is and the grace period for the balance to be paid by. Rent due date is the XXXX of each month with a 3-day grace period, and late fees begin accruing on the XXXX. 

However, after reviewing the information, XXXX XXXX stated the BBVA Compass bill pay delivery guarantee is based on the actual due date of the bill and does not take grace periods into consideration. I find this statement misleading and confusing. First, how would BBVA Compass know what the actual bill due date is without the customer first telling them what it is? Second, there is nothing in the BBVA Compass bill pay system that lets you specify the actual due date for a bill payment as you can only set a scheduled due date for delivery. Anyway, she went on to state I was at fault because the payment was scheduled too late for it to arrive on time, and BBVA Compass will not refund the {$35.00} late fee to my account. 

My position in this matter is that the BBVA Compass bill pay system failed to process my payment in a timely manner and failed to deliver my rent payment by the scheduled date of XX/XX/XXXX, regardless of the XX/XX/XXXX due date set by my apartment complex.