WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam : I have sent numerous Certified letters to you ( copies of return receipts enclosed ), requesting that you remove inaccurate information on my Credit Report and you have failed to do so. Accordingly, I can show a judge the above aforementioned account 's are inaccurate and that you have willfully violated 15 U.S. Code 1681i : ( 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 consumers 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. 
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period  described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Be advised that unless this matter is settled to my satisfaction within XXXX days of your receipt of this letter, I will file suite in XXXX Country Small Claims Court , asking for damages in the amount of {$1000.00}, plus court costs. Attached is the Complaint I will file unless I hear from you shortly. 





Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining careful records of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. In addishon u must send me a form that bares my sigenutre on this situation of all debt you calme or you are reporting that bares my sigenture if you fail to do so i will take you guys to court
I previously had XXXX accounts that were charged off and I received a XXXX for these accounts. I disputed the account with XXXX and Equifax , XXXX updated my credit report as paid collection, however, Equifax only deleted the historical data on these accounts. I have disputed this information twice now. After the first dispute, I called Equifax and spoke to a representative who advised me that I initially used the wrong dispute information ( the selections on their dispute page ) and that XXXX verified the account belonged to me. He told me to change the dispute information, took my dispute over the phone and after that the result still came back as they deleted historical data but the balance still remains. I am trying to get this cleared up. I explained to them that the account was paid through the XXXX with the XXXX but they continue to report the account balances of what was owed. I have included copies of XXXX disputes.
I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. 

I disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : " Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. 

Regardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since " it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless " i can prove that I returned the item ''.
I have a Discover credit card and have been a member since XXXX. With the exception of a few late internet payments, I have been a responsible customer with them. I had the false impression that my interest rate was approximately 15 %. Yet, when I looked at my current statement, the rate was 26.99 %. This prompted me to do a review of my Discover credit statements dating all the way back to XXXX when my rate was 13.99 %. In XXXX XXXX, I did not make a payment and that increased my rate to 18.99 %. In XXXX XXXX, I then paid off my balance of {$330.00} to show good faith. In XXXX XXXX, my rate was increased to 23.99 % without any reason other than that my interest rate was variable. In XXXX XXXX, my rate was increased to 28.99 % without any notifiable reason. In XXXX XXXX, Discover then reported that my rate should have been 26.99 % and they adjusted it accordingly. Since XXXX XXXX, I have unknowingly been paying 26.99 % interest on my credit card balances. I realize that I should take responsibility for not being diligent enough with tracking my credit card interest rates. However, a review of my account with Discover will show almost fifteen years of being a responsible customer. The penalty for a few missed payments is rather steep. It seems that I would need a professional accountant to truly calculate the total cost of lost money over the past five years.
On numerous occasions, I have notified XXXX XXXX Card about the fraudulent charges on my XXXX XXXX card from which were charged in the months of XXXX ( 2017 ) and XXXX ( 2017 ) for  {$44.00}, {$44.00}, {$4.00} and {$5.00} by the following company and its affiliates : XXXX and XXXX. The employees of XXXX XXXX XXXX XXXX XXXX XXXX had and continue to have complete knowledge of these concerns however continue to fail to take any type of corrective action on this matter for almost 3 months. Today, I still have not seen these amounts credited to my account. After I reported the fraudulent activity, XXXX and its employee issued me a new credit card which I have not been able too use since XXXX ( 2017 ).  Today, I called customer service to speak to a Supervisor and my call was disconnected by the representative. This is the second time my call has been disconnected which make me believe it was done with intention to avoid resolving my ongoing issues. 

In addition, I continue to be charged a check return fee of {$38.00} for auto pay that I canceled months ago however XXXX continues to make attempts to debit my checking account also costing me " NSF '' fees from my bank. I contacted its employees of this and still have not disabled the " autopay '' on my account. I went online to manage the option and I keep receiving an error message. Again called about this, nothing has been done. I 've exhausted my efforts as a consumer and have not choice but to file a civil lawsuit. I will retain an attorney if this is not resolved I have threatened its employees I 've spoken to about a lawsuit and they have ignored it by not taking corrective remedies. 

In addition, I was notified by XXXX XXXX and all three credit bureaus that my account with XXXX has been closed which has caused a negative impact on my credit score. I, again, called today to discuss the status of my account and according to the employee, it was current and open. However asked for a supervisor and call was disconnected, again.
I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.
I have hard inquiries on my report before I was even legal to sign up for a credit card. Now I have hard inquiries that I didnt authorized.
Debt collector called my cell phone on Tuesday and told me he was collecting on a medical bill I had never heard about. I explained I had not ever recieved a bill and that I was going to call the Dr office to find out what the bill was for and why they never mailed me anything. He told me he 'd just sue me and I could see the bill in court and then I could also pay all his additional fees he was going to add for court costs. I told him I 'd pay what I owed but I wanted to confirm with my insurance company and the Dr office first to see what I owed. He again threatened to sue me and my {$300.00} bill would significantly increase if he had to waste his time. He then called my Father Wednesday, the next day, and told him about the bill and that he was going to sue me and make me come back to XXXX to go to court since I recently moved to XXXX XXXX. I found out that same day ( Wednesday ) that he also called my employer saying he needed to talk to me about " our recent work together '' which is a lie. He 's using multiple names and calling from what appears to be fake numbers because they wo n't let me return the call directly.
I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.
Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.
I already submit a complaint and it was closed because the financial institution sent you a letter stating that they contacted the dealership XXXX XXXX XXXX and the dealership agree in canceling the contract. When I contacted the dealership on Saturday they stated that they had no contact with the financial institution and that they did not agree to anything. I contacted the institution today and they stated that they have no knowledge of the letter that they sent you nor have let me speak with the dealership compliance department. For the contrary they are requesting for me to make the first payment of the vehicle that the due date was XX/XX/XXXX.
Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.
Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.
Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.
Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.
If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this
My complaint is simple. XXXX XXXX took advantage of my impaired husband and placed a {$1600.00} order with him. When he received a receipt by e-mail, and realized the mistake, he called XXXX XXXX twice. XXXX times the calls were escalated up the management hierarchical chain, but nobody would cancel the order. The meat was in transit for 6 days, all of the dry ice melted, and the meat browning. When I received XXXX large coolers of meat that was beginning to smell, I called XXXX XXXX ( no help ) and Citi Bank in order to dispute the charge. 
We were to have 30 days to respond to XXXX XXXX ' XXXX page response ( attached ). Citi Bank instead closed the dispute and added the {$1600.00} back onto our Citi Bank Credit Card before receiving our rebuttal.. 
Upon receiving XXXX XXXX ' letter, our dispute was removed from our accounts ' message board on the Citi Website. It could not be retrieved and the Citi customer rep could only tell us to e-mail Citi asking for the disputed information. 
Citi Bank had no intention of considering our response. The 30 days stated was purely perfunctory and cosmetic. It is clear that Citi would side with the merchant under any circumstance, and dismiss the cardholder 's response. 
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.
XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX which I traded in my XX/XX/XXXX Volvo.I then signed contract and release of liability to the dealer.I still have the contract.Three years later I received a letter from a collection agency that I owe them XXXX dollars for the car I traded in, that was towed from XXXX XXXX XXXX XXXX said at the time the car was still in my name.So I went back to the dealer and the dealer before was sold to another company.I spoke with XXXX XXXX and did what they told me and it is still on my credit report.I am really frustrated on what I am going through.The collectors will not listen to me.What can I do.The agency is Dataline Collections in XXXX XXXX California.
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed.