WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.
I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.
I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?
They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.
In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX SYNCB/ XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
I have been dealing with XXXX XXXX  for a while now trying to get them to remove all these cards that were opened in my name.And this specific one keep increasing months after my credit report say it was closed and they are ruining my credit.If this isnt resolved i will have my boss take legal actions. XXXX keep increasing late fees that i do not owe and I didnt authorized the account to be open from the start. I want the account closed properly and removed from my report
I resided in XXXX XXXX Apartments and decided not to renew my lease. I gave XXXX XXXX a notice regarding my decision in a timely manner. On XX/XX/XXXX I completed my inspection satisfactorily and returned my keys. I did not pay XXXX 's rent however went to Magistrate court on XX/XX/XXXX. I spoke with a lawyer who represented XXXX XXXX and agreed I owed {$1100.00}. At this time, XXXX XXXX has forwarded my debt to Professional Debt Mediation.  Professional Debt Mediation is not a mediator, they work on behalf of XXXX XXXX. Professional Debt Mediation has placed a debt amount of {$1500.00} on my credit report. I have disputed the amount with XXXX XXXX, Professional Debt Mediation and the credit agencies. I would like to resolve this matter as soon as possible. I applied for an apartment and was denied due to my rental history. XXXX is the property manager for XXXX XXXX and refuses to contact the lawyer to retrieve the accurate amount owed. I want to pay {$1100.00} and this erroneous debt to be removed from all credit agencies involved.
this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW
On XXXX XXXX, 2015, I contacted XXXX XXXX, who is a Branch Manager ( XXXX # XXXX ) with GATEWAY FUNDING, and learned I can lower my mortgage monthly payment from approximately {$2400.00} to {$2000.00}. I was ecstatic because I would have saved over {$400.00} each month. XXXX XXXX sent me via email the DETAILS OF TRANSACTION detailing I would pay that amount. During the escrow process on XXXX XXXX, I was instructed to wire {$690.00} and thought my application was completed. On XXXX XXXX, XXXX XXXX contacted me and stated it required me to pay an additional {$290.00} because certain expenses were overlooked by XXXX XXXX. I contacted XXXX XXXX about my additional expense to which he stated, GATEWAY FUNDING will refund {$290.00} back to me after I send in the money to complete the escrow process. 

I am complaining about XXXX issues : I learned my mortgage monthly payment was not {$2000.00} as promised by XXXX XXXX, but instead {$2200.00}, and I have not received my refund in the amount of {$290.00}, as promised by XXXX XXXX on XXXX XXXX. When I contacted him via telephone on XXXX XXXX about the monthly payment, he stated he made a mistake. I have contacted XXXX XXXX on XXXX occasions about the refund check. I contacted him via telephone on XXXX XXXX, which he stated he will issue the check on XXXX XXXX, the Friday after the application process was completed. I contacted him on XXXX XXXX, and he stated he would authorize the refund check. When I last contacted him on XXXX XXXX, I was told I should have already received it, then later verified by XXXX XXXX that he check has not been issued or delivered. 

It is my belief XXXX XXXX is taking advantage of my lack of knowledge in the loan application process by informing me of his many years of outstanding services and a promise of lower month mortgage payment only to deceit me to benefit himself.
XXXX, Account # # XXXX. 
After a thorough review, it 's my understand per the attached correspondence from XXXX dated most recently, XXXX XXXX, 2016, that pursuant to the request of XXXX XXXX, 2016 ; Equifax was advised to correct the records to read as, '' closed due to bankruptcy, paid in full or paid as agreed ''. As such, as you can see from XXXX correction of XXXX, 2016 via the CFPB, that the corrected status based on standardized credit reporting codes are simply ; Closed, paid as agreed/paid in full ''. 
The creditor in reference here, is not reporting your coded " In Payment Plan ''. In fact, the attached written reply from XXXX ; confirms that XXXX was never included in my bankruptcy, notwithstanding that said bankruptcy was discharged on XXXX XXXX, 2016. 
Please correct/delete the above mentioned agency adverse reporting with immediate effect. 
Please confirm this correction in writing. 
Thank you.
HISTORY ON CLAIM # XXXX XXXX withdrew more than it was allowed to from my account and this is why the claim was filed. When it was first filed back when the transaction first occurred, there were claim forms paperwork left online for me to fill and I was never notified that there was anything needing my attention until I received a letter in the mail denying my claim on the ground that additional claim information was never received. I called and spoke to claim representation to let them know that I never received any paperwork and that is where I was told that the paperwork in question was left online for me to fill out. 

The claim was continued with the additional paperwork sent ; then I would call and follow up with the claim department as well as Bank of America customer service letting them know that there is an ongoing claim on the overdrawn account # XXXX and that as soon as the claim is resolved the overdraft will also will also be resolved. 
Without any warning my account was closed and when I call to find out why I was told that the balance owing has been reported to XXXX. Shortly after I received a letter from the claim department informing me that they are unable to credit my account because they contacted the merchant and received proof of debit authorization. 
The basis or reason of the credit denial does not make any sense because the claim was filed based on the fact that they were not authorized to take the amount of {$350.00} out of my account. The agreement I have with XXXX was {$160.00} and NOT {$350.00}. These details were all included in the claim. In the meantime the merchant realizing the error sent me a credit refund which took a little longer to get to me and a copy of the refund check is attached. 
It is clear in this case that the claim dept. did not do its job nor due diligence to the fact contained in the claim other wise they would have found out that the claim was valid along with the details I told them. Had they done their jobs the merchant would have told them of the error and the overcharge which caused my checking account to be overdrawn. Had they done their job in a timely manner they would have credited my account back and would have prevented my account closure. The credit refund from the merchant has been attached to this fax and is a proof that Bank of America Claim Dept. DID NOT DO THEIR JOB and therefore I am requesting the following : 1. Crediting of all fees back to balance on the closed account # XXXX 2. I need our information taken out of XXXX and a confirmation in a form of our XXXX report be sent to our address XXXX XXXX XXXX XXXX XXXX CA XXXX 3. If possible, can we have the account that was closed reopen since the closure should not have happened? 
I am available to answer any questions you may have, please call XXXX. 

Update on dispute On XX/XX/2018 I received a letter from Bank of America and I was very disappointed that Bank of America once again didn't even take the time to review my resubmitted claim again for the third time and just quickly sent me a letter stating they are again unable to resolve this dispute correctly.
XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.
On XX/XX/XXXX I received a text from XXXX claiming to be from Chase directing me to what looked like the Chase website ( http : //www.chasexp.co/l ) I was asked to enter my account information and answer security questions to unlock my account, which I did. On XX/XX/XXXX I saw my savings account balance was short {$4000.00} and immidiately called Chase. I was told that on XX/XX/XXXX & XX/XX/XXXX {$4000.00} was transferred out of my savings account via the Chase-XXXX  XXXX app. It was supposedly sent to my mother XXXX XXXX at XXXX XXXX  XXXX. I did not initiate or authorize these transactions and after checking with my mother she never received any notification of these transactions nor any deposits. I will include her bank transaction history to show this ( and she has had the same account for years. ) When I filed the initial fraud claim with Chase I had not connected the XXXX message and the fraudulent account access. 
I have filed a reports with FDIC ( ref # XXXX ), FTC ( ref #  XXXX ), XXXX PD ( report # XXXX ), XXXX XXXX County Sheriff ( report # XXXX ), FBI - IC3, Federal Reserve and a claim w/ Chase ( claim # XXXX ) I have copies/confirmations for each agency. 
Chase at this time has said that the transactions will not be reversed because they believe the transactions were authorized from my device. This is not the case. I believe my IP address was used after being obtained via the false XXXX. I do not believe that Chase is taking this seriously at all but I will be opening a secondary investigation with Chase & submitting the additional information &  documentation I now have. Upon looking into this further I discovered that the text message I received was from a cell # from XXXX XXXX ( XXXX ). Also while looking into my cell phone records I have found that I received one of these phishing text once a month usually on or around the XXXX. Prior messages claimed to be from XXXX XXXX and not having an account there I dismissed the XXXX  and completely had forgotten by the end of the next month. When I received a message claiming to be from my bank, Chase, I assumed it was legit ; not remembering the XXXX XXXX messages until now. 
As well as the 2 trasactions for {$2000.00} each thru XXXX, there were 2 online transfers from my savings account to my checking for {$2000.00} during the same 2 days. I believe whoever is behind the fake XXXX transactions also initiated these online transfers. Again I did not initiate, authorize or even realize there had been 2 specific online transfers ( not made by me ) until getting my transaction history from Chase. I believe that Chase needs to look further into where those online transfers originated as well find out where exactly the transactions went to since their information of XXXX XXXX is incorrect.
I disputed all inaccurate and incomplete items on my credit report due to lack of original documentation being provided a few times to no avail. Experian continuously updates my report saying the items have been verified when the FCRA states that if the original documentation can not be produced the allege account or debt are inaccurate and/or incomplete.
My fixed rate 20 year mortgage originated with XXXX, was transferred to XXXX XXXX in a takeover/buyout and is now held by BB & T bank. Since the bank buyout transition in XXXX 2016 my mortgage statements have been riddled with irregularities, the worst of which, is that my 'Outstanding Principal Balance ' has n't gone down since XXXX, even though they have taken 3 payments since then. The most recent statement indicated that 100 % of the payment made was allocated to Interest and 0 % to Principal. What alerted me to the problem was that the " Explanation of Amount Due '' fluctuated irrationally from statement to statement and did not correlate with the " Transaction Activity '' after the payment had been processed. To try to resolve the issue, I went to a local bank branch and called the main number. No one seems to know what is going on, and I am certain it is not an isolated case pertaining to only my loan.
There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.
My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. 

GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date.  There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. 

Is there anything I can do about this?
I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.