WillisBack/dataset-financial-user-claim huggingface dataset:
Recently, I requested a copy of my LexisNexis Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file,  as one the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is over five years old and should not be reporting on my file at all.      The report shows a  conviction for Failure to Appear f rom    XXXX   XXXX   XXXX  . Th e corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract from th e Secretary of State. Please find that the aforementioned  conviction is not reported my driving abstract as the conviction was   vacated.      Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the l ast five years I respo nded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
They constantly call asking for XXXX XXXX, I have told them for years that this is not her number anymore and they still call. This one today was from TRANS WORLD SYSTEMS calling from XXXX. They change their number frequently so I cant block them. I am not the person they are seeking and I have no idea who she is.
I came home tonight and had a message on my prepaid cell phone, which is using up my minutes, from some debt collector called D & A calling from XXXX and telling me to contact them at XXXX ext XXXX and I have NO IDEA who they are, have never been sent any letters to verify any debt whatsoever, so they have broken the FDCPA just like another collection agency I just reported to your office a week ago doing the same!! I want all of these calls stopped now and both companies held accountable by the law, fined and shut down and I am also reporting all to the IL Attorney General XXXX XXXX and several others, including President Trump since his new XXXX is NOT doing the job he is PAID to do which is to enforce the laws!!!!! I do NOT want to be contacted by this company or the other one that just pulled the same XXXX again, this is my official " Do not contact '' letter through your office to both of them!!!! I am not paying them any money, they are only trying to take advantage of a widowed mother!!!! Enforce the laws on them!!!!
This is not a duplicate complaint and new concerns are being expressed. PennyMac loan services has failed to respond to my complaint regarding the escrow issues regarding my loan account. My county taxes have decreased and are included in my loan payment. When my account was serviced by XXXX XXXX XXXX I never had issues with escrow shortages as my taxes are included in the mortgage payment. During a telephone call with PennyMac Loan services the representative admitted that they underpaid for taxes which created an escrow shortage. The company is engaging in practices that violate RESPA but increasing my mortgage payment due to their mistake. Additionally, I previously filed a complaint against them and they did not respond to my QWR request pursuant to RESPA. Most important, I have left numerous messages for XXXX XXXX and she has refused to contact me regarding my account. Moreover, PennyMac 's escrow department has been closed and representatives are unavailable to address my concerns. The CFPB should be investigating this company for not having representatives available to respond to my concerns. 

I have provided the company with proof that my XXXX 2016 payment was not applied and they have adversely reported my loan late. All of their prior response letters do not address this concern. 
I have contacted a real estate attorney and going to file a lawsuit in federal court as my damages are in excess of {$75000.00}.
At the end of  XXXX   2017 , I ran into a rough financial patch. I calle d GM Financial  at  XXXX , to request a deferment on my car loan on  XXXX   XXXX ,2017. During the conversation with the representative, she informed me that " Recently there had been legislature passed  in the State of  Texas that require s Auto Finance  companies to collect a fee up front, Prior to considering customers for a deferment. '' Per the representative, the fee would have been {$970.00}. This would have been {$10.00} less th an 2 of my  regular monthly payments. The representative informed me that t he State of  Texas is the only state that requires that this fee is assessed. Per the representative the fee would be assessed to cover all of the interest from the payments, prior to completing the deferment.     This has caused me to become late on my payment from  XXXX , and it has been reported to my credit bureau. I reached out  to GM Financial for  assistance, prior to being late on my payment, and the solution was to charge me a fee that equals the same amount as the combined total of my monthly payments that I was requesting to defer.
Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.
I have contacted Bank of America Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with Bank of America. She then tranfered me to Bank of America Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for Bank of America is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.
I met a man online who was selling his airline miles. I was interested and we settled on a {$550.00} amount, of which half was due before the miles can be used. He told me I could use XXXX to send him the half ( {$270.00} ). I felt good because the XXXX i will use is through my bank which is USAA bank and I felt that should protect me. I sent the money and immediately the man got it he stopped responding to my messages and his number got disconnected as well. I reported it immediately to my bank and it took my bank only less than 24hours to tell me that the transaction was not an error and I am not protected from such scammers and at the end they instructed me to contact the scam artist to get my money back! First of all I never said an error I told them I was scammed, the investigator chose to use the word error instead to minimize their responsibility and make it trivial which is offensive. 

If a bank allows a service to be used by their customers through their account and they dont do everything to protect them than why am i keeping my money with that bank? The fact that XXXX is directly included in my bank options gave me the extra trust that made me think XXXX must be good. I want my money back from USAA! 

Another big issue is that the investigation department didnt reach out to me for clarification and they have no phone number for me to call them directly. Each time you have to call a general number that sends them the message to call you and they usually take their time before calling you back. In other instance they call and if you miss it they NEVER call back again. I wonder why am baking here, my recommendation is just use them to get only the membership.
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows .... 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and  Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. 

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. 
Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on me
Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.
I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update information
The complaint is against Experian Credit Bureau. They are currently reporting a dismissed chapter XXXX on my credit file, and this should not be there. I have wrote them several times regarding this matter, and they state that the information is accurate, and by law, I can only dispute the same item twice. I contacted the United States Bankruptcy court, in the division of XXXX county, in illinois where the information is from. I wrote them a letter asking them, are they the ones reporting this information to my credit file, and they stated that THEY DO-NOT FURNISH OR REPORT ANY INFORMATION TO ANY OF THE CREDIT BUREAUS. They also sent me a letter stating this as my proof, which I will include with this complaint. So, I sent this letter from the bankruptcy court to Experian, and they still refuse to delete it. when I wrote Experian, and asked them to delete this information from my credit file, they said it was accurate, and that the bankruptcy court did report this information. They are simply IGNORING THE PROOF THAT I HAVE PROVIDED TO THEM. I know that information individuals information is sold to third parties, whom in turn, takes this information and report it to your credit file.
RPM prematurely reported a collection account to XXXX, disregarding my request for validation, and prior to the initial collection letter sent to me.
There are two issues with my account : 1 ) on XXXX XXXX I was erroneously charged an overdraft service fee tor a debit card charge. 
When I opened the account I opted out of having debit card charges overdraft account as they should be rejected. 
In the past debit card charges that exceeded my account balance were rejected in fact there was a debit card charge rejected on the XXXX so why was I erroneously charged on the XXXX? 
2 ) on XXXX XXXX I made a check deposit of {$100.00} yet on the XXXX this deposit was reversed. I have yet to receive a notice or any information as to why this check was reversed.
Opened new checking account XX/XX/18 and did {$500.00} direct deposit on XX/XX/18. Promo I was supposed to receive was get {$200.00} for opening account and completing 1 direct deposit of {$500.00}. I have not received the bonus so far.
I have repeatedly requested information/ VALIDATION on this alleged debt, bearing my signature and/ or any contractual agreement. To date I have yet to receive ANY communication from this company. I first found out about this alleged debt, when I pulled my credit report on XX/XX/2016. All of these acts are a violation of the FDCPA and the FCRA. Failed to validate-FCRA section 609, Reported a debt to Credit Agencies, inaccurately ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ), failed to report a debt disputed as a collector-FDCPA Section 807 ( 8 ), did not validate the debt and reported it to the Credit Bureaus-FDCPA section 809 ( b ). These are just a few of the violations. I have never done any business with JH Portfolio Debt Equities, never signed a contract, nor do I owe them any money.
This is a complaint against Citi Bank referenced to my business account that was closed by this institution. I received a bad check by a company that was my company was receiving a payment by. I understand that the bank took preventions methods for security reasons, but it was not my fault that this check was a bad check. Either way I assume responsibility and must move on, what has me furious and confused is that the bank has my mail filled with letters with investigations. When this all happened a few weeks ago, I contacted the department of fraud because I wanted to solve the problem and because they blocked my money that has nothing to do with amount of money of check deposited. I am losing more than 800 dollars because Citi bank wants to keep my money.
I have unauthorized inquiries reporting on my Equifax report. I have contacted the XXXX XXXX and XXXX as well as Equifax for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX
I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.
Company Name : Great Lakes Company Type : Private Year Founded : XX/XX/XXXX Phone : ( XXXX ) XXXX Website : www.mygreatlakes.org Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX I have two student loan providers Great Lakes and XXXX. And Great lakes is horrible. 
I am completely dissatisfied with Great Lakes. I have both a subsidized and unsubsidized loan at a higher interest rate. I am writing this complaint to warn CFPB and other students who have loans or any associations with this company. Make sure to document " everything. " There is some serious unethical practices going on with this company and someone needs to make them accountable for what they are doing to consumers. They are not competent to manage any data in regards to loans. This is ruining my life, I lost the house I was in contract to buy right before it closed. Now I am stuck, and someone else bought the house it took me 2 years to find! My credit went from XXXX to XXXX.. 300 point drop form a 90-180 days or more past due DELINQUENCIES I Filed disputes with Credit B 's and I even called on XX/XX/XXXX and speak with the agent XXXX XXXX XXXX and the supervisor XXXX Ext XXXX I also emailed her. she looked into the account and could n't explained why my old account ending in XXXX from XX/XX/XXXX was still showing up as negative when I have a new account ( XXXX ) thats positive and paid as agreed she also advise me to dispute the old closed negative account which I explained to her I did multiple times and its still there. I only hope is to file a complaint to get those late payments or entire old account removed. I have been making all my payments and understand it is my responsibility to pay my loans. This is seriously effecting my life, already lost the house, now my car is breaking down, and can not get approved to get another one because of these late payments. The late payments were reported on XX/XX/XXXX through XX/XX/XXXX on all three CB '' s as serious delinquencies. I currently have an account that I 've been paying on time for 12 or more even when my account is in forbearance I still call in and make a payment. 
The dates are listed below. 

XXXX ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
On XX/XX/18 - " Bank Originated entry reversal of provisional credit Case XXXX on XX/XX/18 for {$1500.00} '' I woke up to my account being almost XXXX dollars in the negative. There reversing a credit from five months ago. That claim was closed for months. This is totally wrong.
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$360.00} {$360.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

Sincerely, XXXX XXXX Enclosures : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Identity Theft Report Proof of identity Notice to Furnishers of Information
XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.
When I signed up the promotion was 40,000 pts if you spend {$1000.00} in the first 3 months. 

Chase response : " I regret to inform you that your account is not eligible for the new offer you requested. The original offer you applied for will remain on your account. You will receive : - Earn 10,000 bonus points after you spend {$500.00} in purchases in the first 3 months your account is open. 
- Get a {$200.00} statement credit after your first purchase. ''