WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I submitted a payment online for my American Express Blue Cash credit card for the total balance of {$310.00} from one of two bank accounts linked to the credit card account for payments. I incorrectly used one of the bank accounts, XXXX XXXX XXXX XXXX, that did not have sufficient funds instead of the correct bank account, XXXX XXXX XXXX XXXX, from which I 've been making payments to American Express for years, on time and well over the minimum due. When I realized the error, American Express had already tried two times to receive these funds from the XXXX XXXX XXXX XXXX account. As such, I received two {$30.00} fees for insufficient funds in the account from the bank. I immediately called American Express when I realized this error on Monday, XX/XX/XXXX. A representative understood my request and processed the payment of {$310.00} from the XXXX XXXX XXXX XXXX account. However, the next day, Tuesday, XX/XX/XXXX, American Express processed a third attempt to receive the funds from XXXX XXXX XXXX XXXX, for which I was charged a third time for insufficient funds. When I called American Express to address this third incorrect payment, they told me they would refund the returned payment fee that American Express charges but that they could not address the insufficient funds fee charged by my bank.
Nationstar was negotiating a HAFA short sale with us. We received a full price offer and were waiting on XXXX tasks to complete as well as their investor approval. Nationstar failed to request the trustee sale postponement and it went to foreclosure without our knowledge last month. We are STILL processing a short sale with them even today! Agents will lose their commission after working for 4 months on this file, sellers lose relocation funds, buyers lose their new home! This should have NEVER gone to foreclosure!
I was misinformed by what a forbearance was. I was told that if I wear to do this that I would not have to pay anything and that I would not have any interest placed on my account while I was in forbearance. They asked if had received any government help and if I did to send them a copy of whatever assistance I get that they could wave certain fees and keep my loan amount at what it was. I sent all the information they needed. When I called back to verify that they have received all the information one agent told me that they did receive it and it was processing. A week later I received an email saying that interest on my billing was still accurring and that I needed to pay something. So, I called back and was told that Everything that I had spoken to the previous agents were not true and whether I was in school or not that the interest will remain and it will continue to grow no matter what and no one has control over the interest. So, life happened and I had to stop going to school. I then tried to enroll again and was told I needed to pay at least 5 dollars a month before I could get into good standards with the loan through Navient again. I did that. I was told as long as I was enrolled in school I could pay at my leisure on my student loans because I went through the program to get back on track. I was never told that interest would still be rolling and that I had to pay each month or a particular amount each month. I was told that charges would start after 1 year of graduation or one year after I stopped that has yet to happen charges are still ongoing.
I opened my Wells Fargo Business Checking account on XXXX in a local branch ( in North Carolina ). When opening the account, I registered with a {$500.00} new account promotion ( using a personal promotion code : XXXX ). The promotion required a {$2000.00} deposit / balance in the account for 60 days and 5 debit card transactions. The {$2000.00} deposit was posted on XXXX and the debit card transactions were processed on XX/XX/10. It has been more than 60 days since completing all required bonus terms. I have contacted Wells Fargo online support multiple times and they have been unwilling to assist. I have contacted my local Wells Fargo branch multiple times to drive resolution - each time I have been told I will receive a call back but never do. I filled out a " Missing Incentive '' form with a phone agent on XX/XX/10 and still have not received my {$500.00} bonus. I find it very misleading that Wells Fargo dangles these promotions to small businesses and then does not follow through, no matter how hard you try to get them to fulfill their obligation. I am happy to share a copy of the bonus terms with the CFPB or Wells Fargo ( uploaded as an attachment to this case ).
I did not receive a bill for XX/XX/XXXX payment. I did receive an email on XX/XX/XXXX stating I must pay today to avoid late fee. I called and paid with the same checking account I always use and received confirmation # XXXX. On XX/XX/XXXX, I received thank you for your payment by email. Again I receive an email that I 'm going to be late. I check my account ; no payment was taken. I call XXXX at Quicken on XX/XX/XXXX ; I explained the payment did not go through.He said to give him the numbers, I did, he said were done. XX/XX/XXXX I received an email thank you for your payment. XX/XX/XXXX, I 'm late again, I send an email to explain and included a check from the same account. NOW, it 's paid but they want XXXX late payments. They said it 's not their fault, but I have used my routing and account # 's with out a problem with others and no problem. They said they still do not know why both times the payment did not go through. I believe they have an obligation as a financial institution to be held to a higher degree of professionalism. If a Quicken employee can not figure out why the numbers did not work ; I do n't know what else to say. I told them to listen to the recording of the call. Yet they just say I 'm at fault. I 'm not the company that sent two emails thanking a CUSTOMER for your recent payment that was not true, and very confusing. I do not believe Quicken should benefit financially for mistakes that they made.
As a result of Hurricane Harvey my wife lost her job and I struggled getting work ( because of closures, etc ) so I could not make 4 monthly minimum payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One ( visa  ) cancelled my account and offered making monthly payments to " reduce balance owed and stop discharge ''. Those monthly payments offered were similar to the minimum amounts set for my account prior to my financial crisis so I accepted and made 4 payments of ~260 each : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX ( shortly after I made the XX/XX/XXXX payment ), I received an email stating that my account is still 4 months due - threatening to discharge and with basically the same balance showing in XX/XX/XXXX. Confused I called Capital One and the explanation is that my payments go to the prior months but the current months are still being charged along with interests and that is why my payments " do not help my situation at all ''. I asked a supervisor to call me to find a solution because it seemed that I was only giving my money away without improving my situation. They promised the will call but never did so I called and after several hurdles was able to talk to a supervisor who confirmed my payments are not helping, that the only way is to start making payments " twice a month '' ( so, double the original plan ) in order to start seeing some change in my situation in the next 5-6 months. Of course I told the supervisor that having known that my ~1,000 dollars will have zero improvement in my situation, I would not have agreed originally to the plan and would have looked for other solutions. So basically I feel I was tricked into a plan in order for Capital One ( visa ) to take 1,000 from me and still owe the same balance before they took the money ( double profit ). I asked the supervisor if there is any other plan or solution because I was not going to continue to give my money away for a credit card that I can't even use and was cancelled since XX/XX/XXXX (  without asking or calling me ). She said something like : " there is no other way, and you are almost getting discharged and your credit will be impacted for 7 years, so its your choice ''.
Long story short, account was not authorized after initial purchase, I closed account on two different occasions in which first occasion was not closed back in XX/XX/2016, where my brother charged on card again, I have never received a statement or phone call from Wells Fargo in which they stated to me that they can only send bill to one person and have one address on file.. I made sure tha after second purchase card was closed and I made them send me proof this time.. my brother recently filed bankruptcy that I didnt know about til my credit score dropped over 100 points.. I have tried to file two separate disputes with them and they have never gotten back with me and all I see is they put in my credit report that it is resolved and I disagree.. I have to have some rights here, I have even told them I would pay it and they said it didnt matter it would still stay in my credit as a paid collection ... I pay my bills and stand behind all purchases even tho this balance shouldnt be allowed because the account was closed before he charged on it again.. I want this off my credit report, on my report is is showing up under XXXX XXXX XXXX.. Wells Fargo has to have  certain policies in place and they need to return phone calls, horrible company and should be shut down.. this file has been transferred to three different executive office members of Wells Fargo and I havent got one phone call..
The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.
I received a letter about debt from credit protection association l.p I  had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys XXXX
In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.
Elderly ( XXXX years ) relative I do not reside with has received this message repeatedly : I have requested that the company does not call and yet they continue to receive repeated calls. 

" [ My name ] You now have until XXXX today to call our office or your file will be forwarded without your input and further action may be taken i can be reached at XXXX it is imperative that you call us back today all attempts have been documented. '' The term " further action may be taken '' seems to imply legal action.
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then 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, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )
On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXand I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.
I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.
Reached out to Avant Credit on XXXX/XXXX/2015 as I noticed some discrepancies on all three credit reports. XXXX Credit report would have a status of 30 Days late XX/XX/XXXX while another credit report would report me OK for the same month. I reached out to a Customer Service Rep at Avant and they advised me they would get back to me when they could. I advised the rep that was unaccpatbe ; l as it has been over three weeks and I have not received a follow up call or email regarding my concerns. The rep advised I could dispute with the Credit Bureau only they report information given to them by the creditor. 


I am asking Avant Credit Please update all XXXX reports to show the same information. Pay Status, Balance, Payment, Date Open etc. 

I also went into a payment plan status in XXXX 2015 as I fell behind back in XX/XX/XXXX because of a job transition. 
I went into a payment arrangement and the Payment Specialist adbvised me they would put the amount owed on the back of my loan and I would go into a current status as long as I paid on time. 

Please update all XXXX bureaus with the correct information as I do not want to rectify this once I am going for a home mortgage. 
Thanks
Transunion is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Transunion and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive XXXX XXXX XXXX complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Transunion has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.