WillisBack/dataset-financial-user-claim huggingface dataset:
Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.
I paid an invoice through PayPal in XXXX and it did had a conversion rate of XXXX for XXXX usd. This exchange rate is much different from any other exchange rate. When I called to get an understanding about which entity they get their exchange rate info from I was given the run around. I was charged a total of {$480.00} when it should 've been around {$460.00}.
XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days.
Progressive Management System located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX Has reported to the credit agencies that I owe {$480.00} to them due to an original debt of {$410.00} from XXXX XXXX. 
When I contacted XXXX XXXX they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. 
After XXXX contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that XXXX has cancelled the debt, but they still refused to report it to credit reporting agencies to be removed from my file!
on 5 occasions i asked for the credit agencies to validate the information that was being filed on my credit report. They did not comply but only sent me an updated credit report each time. According to the 609 credit reporting act the agency should have a copy of my application with a valid signature. They have not been able to supply me with this information to validate the debt.

The credit card company has also called my place of employment and disclosed that I owe a debt to my supervisor. This was very embarrassing. This took place on two occasions after I sent the company a letter requesting them to stop harassing me.

I sent them this letter because they were calling a friend of mine up to 10 times a day and were asking to stop calling and told them that they do not have my contact information. They refused and continued to harass my friend and myself.

I sent letters to both the credit card company and credit agencies on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. 

The credit card company only responded with the harassment of phone calls and letters threatening to sue me. The credit agency only responded by saying the debt was validated and sending me an updated credit report. 

On XX/XX/2018 I contacted transunion and was told the debt was validated ad there is nothing I could do about it other then pay it but the debt is not mine until i see a valid application and signature on file. There has been extensive use on the credit card that i did not use.
My parents continuously get phone calls from Portfolio Recovery! They harass and call there phone several times a week. I have n't lived at this previous address or with them for over 25 years. They have even contacted my brother. This needs to stop!
I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. 
The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. 
I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation.
Dear CFPB I am writing this letter complain about Bank of America change my XXXX   dollars and don't admit it.l just opened Bank of America check account one week ago. When l withdraw some money from my XXXX XXXX XXXX XXXX to my bank of America because l still used temporary card that time so it's failed, when the money returned to my Borker XXXX USD dollars disappeared, l called to my Borker asked who charge my XXXX dollars and they sent me little verified and confirmed bank of America charge my XXXX dollars with date evidence. l called bank of America more than 10 times and went to bank office spent 3 days try to fix this problems but they just don't admit it. 

I am visiter l believe there's more coustomer charge money for no reason because bank of America system problem, and they may can't speak XXXX or suit to expensive, so they give up. 

Bank of America need return my money and apologize wasted my time, l really disappointed about this low quality service, l can't trust Bank of America again. 

XXXX XXXX Looking for fix this problems XX/XX/2018
I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.
Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX
After submitting an Identity Theft report to Equifax they removed the accounts associated that weren't mine ; this occurred in XX/XX/2018. Just recently checking my credit report on XX/XX/18 they re-inserted the information back on my credit report. According to FCRA law I am supposed to be notified within 5 days and as of today I have still not been notified. I want these items permenantly deleted from my credit file and never reinserted. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Card, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX Card service.
I went to a XXXX dealership in XXXX, FL in 2017. I requested to ONLY run my credit through XXXX ( XXXX XXXX XXXX XXXX ) if they wanted me to buy a new car. Unknowingly to me they ran my credit through lots of agencies before coming to me and saying I don't qualify with XXXX unless my husband co-signs. Reluctantly he co-signs and I am approved. Now I am seeing multiple agencies I did not authorize them to run my credit, showing as hard inquires. Whats worse is that XXXX will only show on my husbands credit not actively on mine because he is listed as the main owner when I specifically asked them to make me the main owner. They kept lying saying I am. I need these off they are affecting my credit I am working hard to build. 
The following companies ran my credit without my knowledge or written approval. 
Td Auto Fina XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Wells Fargo has program on its website called Overdraft rewind. If a check cannot be paid in nightly processing due to insufficient funds, but a direct deposit is received the following morning by XXXX, they will pay the item and not charge overdraft fee. I work for XXXX and am paid via direct deposit. I met all the program requirements and was charged overdraft fee anyways. They claim the pay  from XXXX is a transfer rather than a direct deposit. It is so misleading and consumer cannot know the difference. Its an electronic pay deposit from employer. The Wells Fargo representative wouldn't reverse the fee and said they she only knew it isn't direct deposit due to coding. This  program is so misleading. I request to file complaint and have my money refunded.
I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.
I should have a XXXX balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit
on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by XXXX points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.
My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
I had 3 unauthorized transfers from my American Express Serve Card to 3 different people, that are unknown to me & the transfers were NOT authorized. # 1  on  XXXX  for {$260.00}  # 2   XXXX  for {$780.00} & # 3 on  XXXX  for {$1000.00}. Each time these transfers occurred, I notified  American Express Serve, where they changed my password, PIN & secret question. Money was still transferred from my account following the security changes. I kept being told that I was 100 % Fraud Protected with my Card but the bank had up 10 days to resolve the dispute. I called frequently requesting updates gradually becoming more frustrated now being told they have 45 days to resolve the dispute as I was " A victim of Identity Theft '' .The card credited me back the {$780.00} only & REFUSES to speak to me about the other 2 un authorized transactions after daily calls requesting updates.   I called on  XXXX  & asked to speak with an individual in the Fraud  Dept  & was informed they DO NOT ACCEPT CALLS. I became upset and requested they send me an e-mail update. Within an hour,   American Express Serve sent me an e-mail stating they closed out the account stating " I violated the contract '' & that " I authorized the transfers ''. American Express Serve also REFUSED to permit to speak with a representative regarding this matter. I have had health issues over this, my utilities shut off, incurred late fees & now have to move next week without the deposit money.
I filed Police reports for all 3 transactions & was not encouraged by them regarding retrieving MY money. I am now out $ {$1200.00} and very frustrated!
I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only.
I open a new acct with chase bank the terms of the debit card overdraft protection was not explain to me clearly ... when I call in XXXX the lady apologized and removed fees then again I had money in my acct when I made three charges they are telling me because the charges didnt post until the next day my avail funds I had cover other immediate charges so I was charge overdraft fees for charges that was posted the next day they charge me XXXX dollars fee each for transactions that didnt posted until the next day ... they are no help they were rude and no apology and they didnt explain to me still clearly how it works and I need those fees to be removed.
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX plays a fair game, making this action easy for me and for my wife. 
XXXX and Experian sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on them
Original complaint number is XXXX submitted XX/XX/XXXX. Since my last complaint I have received most of the information that I needed including loss mitigations options. Which resulted in me now being in the second month of a three month trial modification. However there is still a least one concern that I have that I still ca n't seem to get a clear answer form Caliber Home Loans on, on or aboutXXXXXXXX I sent a " Request for Information '' letter Caliber Homes requesting Corporate Resolutions, Power of Attorney, etc.. Since then I have received a whole packet of the same information that I have received in the past. I am requesting more in debt information that includes from whom, where and when these people where given the authority to transfer the " Deed of Trust ''. XXXX name that we are concerned about is XXXX " XXXX XXXX '' ( XXXX XXXX ). This name appears on " Assignment Of Deed Of Trust '' dated XX/XX/XXXX and filed in North Carolina Register of Deeds office in the County of XXXX on XX/XX/XXXX By XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX with Caliber Home Loans Inc. ( As Attorney in Fact ). My questions to Caliber Homes is ( 1 ) Who was XXXX working for at the time and dates in question? ( 2 ) Does Caliber Homes have in there records a " Certificate of Incumbency '', Corporate Resolution, Power of Attorney, etc. for this person regardless of who they worked for at the time and dates in question? ( 3 ) Will Caliber Home Loans, Inc. forward that information to me ASAP?
Doing a short sale with Chase on an FHA loan. We have had a full price offer in for three months, with approval from FHA. The approval to participate in the short sale expires XXXX XXXX and it is now XXXX XXXX, end of day, and we do not have an approval letter so the buyer can move forward. The short sale negotiator changed XXXX XXXX and nothing has moved forward since XXXX XXXX took over this file. I have reached out to the escalations department within Chase and to FHA and still the only response I get from the Chase short sale negotiator and the escalations department is that the file " is still under review '' ... There 's no legitimate reason for the approval to take 3 months or even two months after we have full approval from FHA to participate in the short sale. We only need the Chase approval letter to close this. But Chase is delaying this approval to the point that the buyer has now lost their interest rate that they were approved for and we are now at risk of losing the buyer due to Chases ' delays and the short sale negotiator 's negligence.
Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.