WillisBack/dataset-financial-user-claim huggingface dataset:
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open two online banking accounts, both paying 2.25 % p.a. interest.

The first one, XXXX, turned me down and mailed me a 'Notice of Action Taken ' which I am attaching to this complaint. The Notice mentions that the Bank obtained my credit score from ChexSystems , Inc. and that my score is XXXX. My credit score having never been under 800 and currently hovering at XXXX has never been an issue, I was dumbfounded. I have several other online bank accounts. I have no debts or mortgages.

Trying to contact ChexSystems proved impossible, but I was able to file a request for information after having indicated I had recently been refused. The letter that I have received from ChexSystems shows no reported information mishandled.

I have now also been turned down for an online banking account by XXXX.

I feel powerless as ChexSystems has ruined my chances to open these two accounts. It is fair to assume this will happen next time I try to open a bank account. Since there is no way to way to speak to a human at ChexSystem, the feeling of powerlessness is even stronger.

I appeal to CFPB to contact ChexSystems and have it send corrected information to both banks mentioned so that my applications to open accounts may be approved. 

Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

Kind regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
On XX/XX/2018 I spoke with a Lowes customer service rep about not seeing a payment I had made and wanted to know when it was due. I was told the payment had been credited and my next payment was not due until XX/XX/2018. I was checking on XXXX XXXX and it stated that my Lowes card had been close. They checked my credit again without my permission and closed my account based on that. Do I have any recourse as I have never been late had the card almost a year and it will effect my credit score.
I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.
Trying to connect my bank account with a third party application but the Bank is blocking this from happening.
CREDIT CONTROL CORP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT CONTROL XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT CONTROL XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have been contacting Medical Data Systems for about 2 months and disputing this medical debt from my credit report. I spoke to several representatives and I told them that I did not owe the debt because I had health insurance coverage, and according to their records, I was listed as self pay in their system. I contacted my insurance carrier received an email from them stating that I had coverage, then I took the letter to the XXXX spoke to a supervisor and they provided me with an itemized bill showing that I have a XXXX balance, and stated that it was their fault that they did not submit the information to my insurance carrier, and that my insurance information was in their system. I then contacted Medical Data Systems to provide them with the information. However, they already had all of the information in their system and shows that I have a XXXX   balance. So! I asked the manager if this will be deleted from my credit report because I did not and do not owe the debt. The supervisor mentioned that it will not be deleted that they are just going to update the information but it will remain on my credit report. This debt was never suppose to be on my credit report in the first place as they are continuously reporting incorrect information.
I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I  live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX   and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of XX/XX/XXXX.
On XX/XX/XXXX, I received mail from Midland Funding LLC about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last four digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XX/XX/XXXX ; received XX/XX/XXXX ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).
My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.
current balance is XXXX ocwen is reporting XXXX which decreased my score 80 points and had a problem getting a job. The law states that the mortgage company needs to report within 60 days they also do not, they are 90 days ...
Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.
I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.
I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.
I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.
STARTED DISPUTING BACK IN XX/XX/XXXX ON XXXX XXXX.. AGAIN FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND SENT MY BANKRUPTCY INFORMATION TO THEM AND THEY RECIEVED ON XX/XX/XXXX ... I WAS DISPUTING CREDITORS XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( ALSO KNOWN AS XXXX XXXX XXXX XXXX ) # XXXX, AND FINALLY XXXX XXXX XXXX XXXX # XXXX ... THESE CREDITORS WERE FILED IN MY BANKRUPTCY ON XX/XX/XXXX.. THE COURT GRANTED ME A HARDSHIP DISCHARGE ON XX/XX/XXXX WHICH I WENT TO COURT REPRESENTING MYSELF EXPLAINING MY HARDSHIP AND THE COURT GRANTED ME THIS HARDSHIP DISCHARGE.. TRANSUNION HAS NOT CORRECTED THIS INFORMATION ON MY CREDIT REPORT.. XX/XX/XXXXALSO WAS SENT MY BANKRUPTCY DOCUMENTS AND HAVE CORRECTED THIS ON MY CREDIT REPORT.. TRANSUNION IS BEING VERY UNFAIR AND I SULLIED THEM WITH MY BANKRUPTCY DOCUMENTS.. PLEASE HELP ME.. THANK YOU XXXX XXXX XXXX
I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided.

I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security.

So, I have been completely unable to have access to my funds.
I have disputed an item on my Experian credit report 4 times within the last 6mos. The item is a public record judgement that should not be on my report because there is nor has there ever been a judgment against me for XXXX District Court or The Attorney General of Texas. I have submitted the verification documents attached to Experian and each time they come back with the item has been update, and they do not supply me with any documentation or proof that this account is my account or why. I have also sent them a copy of my closed child support order with a XXXX balance, and the item still remains on my report. I have called and asked for them to supply me with the vendor who is supplying the agency with the information and they refused to provide, i have also been hung up on 4 times when I request to speak with a supervisor. I would like to issue a complaint, investigaiton, and a dispute against Experian this account is not mine.
In TransUnion recent letter dated XX/XX/2018 they stated that the Items were verified, but as you can see in the attached copy of my before and after credit Report, it clearly shows that XXXX couldnt verify the Items and were deleted. I would like to know how you verified the information listed in the attached letter named TransUnion 6 ( which is my 6th letter trying to resolve this matter ) when it is clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.
I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  Two  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
Ive been waiting for at least a month for credit decision and application to be approved for credit card and I called the security dept and they were rude to me and kept saying that they never receive the documents from and I mailed them since XX/XX/XXXX and I send it priority mail and I also fax it in on XX/XX/XXXX and still no decision on my application and no one isnt helping me and ... I talk to a young lady from the security dept and she was acting unprofessional and told me it was a waiting game and told me i cant Jump ahead of customers and the documents come in .. in the order of receive and Ive been sending at least 3 documents and she also said if I keep on sending documents again that it will start the credit decision all over again my application number is XXXX
Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.
Bank of America mortgage account XXXX is being reported 'open ' as of XXXX XXXX, 2015 ( please see attached documentation ). However, after numerous conversations with Bank of America representatives including XXXX XXXX and XXXX XXXX, I have been told that the account is, in fact, closed. Bank of America must clear this matter up immediately by correctly reporting the account status as closed. Failing to do so is in direct violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), and if the information can not be reported correctly it should be removed from my credit file.
Ive been in an installment loan with XXXX XXXX almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay XXXX XXXX off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Using Western Union, I wired {$200.00} in cash to relatives in XXXX NC. They were unable to receive it because WU was not processing payouts due to the hurricane. I cancelled the transaction on XX/XX/XXXX. Operator XXXX told me I would receive my money back in 24-48 hours. Since then, a week and a half later, I have called 3 more times, each time being assured I would get a number that would get my cash back '' in 24-48 hours. ''
On XX/XX/XXXX, I filed a series of FCRA disputes with Early Warning Services ( EWS ) via letter sent Certified Mail, Return Receipt ( received XX/XX/XXXX, letter attached as Exhibit " A '' and return receipt attached as Exhibit " B '' ). 

Such disputes involve four ( 4 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX  XXXX XXXX account incorrectly displayed on my Early Warning Services ( EWS ) report. 

On or about XX/XX/XXXX, I received four ( 4 ) identical letters regarding the XXXX XXXX XXXX disputes indicating that the tradelines were verified ( one of the letters is attached as Exhibit " C '' ). I received no such letter, or any other communication, regarding the XXXX XXXX XXXX dispute. 

In a letter dated XX/XX/XXXX ( attached as Exhibit " D '' and its return receipt, dated XX/XX/XXXX, as Exhibit " E '' ), I noted that the period the FCRA allows for response to disputes had passed, and the XXXX  XXXX XXXX entry must accordingly be deleted. I also requested information regarding the verification methods used in the investigation of the XXXX  XXXX XXXX disputes. 

These requests resulted in more form letters five this time determining my requests to be frivolous or irrelevant. All the letters are identical ( one is attached as Exhibit " F '' ), and none speak to the specific entreaties I made. This leads me to believe that they were sent as a knee-jerk response to my letter, with no consideration or respect given to its content or validity. 

Finally, on XX/XX/XXXX, I received a copy of my EWS report with each page watermarked with the word updated, supposedly as a result of the same investigation requests that EWS deemed frivolous as noted above. I also received a letter dated XX/XX/XXXX stamped " COPY '' regarding the XXXX XXXX dispute, although no such letter was ever sent to me before ( see above ). 

Clearly, these investigation results were furnished well outside of the 30-day period allowed by law ; and they are the result of an investigation EWS have repeatedly refused to conduct. 

Also, my disputes can not be both too frivolous to investigate and valid enough to investigate at the same time. 

My rights under the FCRA have been violated.