WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
According to my XXXX  credit report an hard inquiry was made on XX/XX/2018 from someone within this company. I sent them a letter that I've attached below that stated that I would like for them to provide me with proof of the given authorization that gave them the right to pull my credit on that specific day. Instead of complying with my requests someone within their company pulled my credit again without my authorization on XX/XX/2018. I called and left a message for XXXX numerous times and never received a call back.
equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.
Sent dispute to Equifax on XX/XX/XXXX. As of XX/XX/XXXX dispute was " pending '' Contacted Equifax and received conflicting information. An agent named XXXX stated " Equifax can take as long as they need to investigate a dispute. ''
On XXXX/XXXX/17, I made a payment to my Bank of America credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a " payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Bank of America has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.
So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.
On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.
A collection is reporting to all credit bureaus for an amount of {$140.00}, however this creditor is not bonded in the state of Georgia to report any debts.
The bank is USAA, I filed a dispute for unauthorized use of my checking account using my debit card. After calling and some correspondence with them we're still not able to come to a solution. At first when I called them I told them that {$200.00} was missing from my checking account. A few days later they gave me back my $ XXXX.Then when my direct deposit ( SSD ) came in 30dys later, USSA took the {$200.00} back without any explanation ( none that I recieved ). This left me with problems that I normally would not have for example, certain neg balance. Once again I corresponded with them. I disputed the unauthorized taking of my funds and they would not give me back my funds until the investigation was done. I after a couple of months I was finally afford the chance to see a deposit statement. This is when I realized that the day in question was in XX/XX/XXXXor XX/XX/XXXX and the money was taken out the same day in New York state. While I was in XXXX Florida. They still did not give me back the {$200.00} ( not  even on a temporary basis ), while they investigated. They then came back at me that their analyst said that the decision stays the same. I explained to them took look at the XX/XX/XXXX statement that I couldn't have been in two places at the same time. They will look into it. After some time and after I wrote again via their web site. They wrote back to say that I was correct and wanted more time to investigate. By this time they should have found out already ( still no replacement of funds ). ( My question at this point ) they took too much time to resolve this issue? Anyway the next I heard from them was to explained that the {$200.00} from my checking account was taken out using my wife 's debit card. After arguing back and forth they something about she has to file fraud. I tell them it's my account not hers although she is authorized to take funds out. However, she did not take any funds out that day, ( I think she was admitted in the hospital that week ). Time went by XX/XX/XXXX to XX/XX/XXXX. Again they fail to resolve this issue in the legal time allotted. It is by this time I find out that my wife 's grandson ( no blood relation to me ) under 17 years of age was the one who took my funds without my knowledge. Mr XXXX from USAA wrote back to me stating that USAA will not give me my money back because I was the one who found out that my grandson took the money therefore it's a civil matter. But he is not my grandson, he is my wife 's grandson and it is my checking account not hers ( a situation that I have try to fix ) ( I never wanted a joint account only a extra debit card for the wife. I need answers and your help am I up the creek without a paddle, did I lose my money with no chance to get it back? Can they legally do this.And as Mr XXXX said I will not be getting any money from them. What CAN I DO?
I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.
I have a car loan through, '' Ally, '' and my regular payment is {$340.00}. My bill for XXXX was {$340.00} - which included a {$1.00} late fee. ( For a payment that WAS N'T late ) I mailed in a personal check for {$5300.00} and wrote, in bold letters, in the memo " XXXX toward principle. '' My payment was due on XXXX XXXX and the check cleared my account on XXXX XXXX. 
I received XXXX statement and it was for {$160.00}. I called Ally and asked " XXXX '' - Why are n't my payments the same amount? It should be the {$340.00} with the {$5000.00} applied towards principle. Are you trying to prolong the loan so you can collect more interest?! 

I was given the answer, " Well it was all applied towards principle. '' put on hold and transferred to someone who was not knowledgeable and proceeded to give me incorrect information. Such as my loan was " supposed to extend till XXXX '' and I had another late payment for XXXX XXXX which was paid early ) This is not the first time this has happened. I have paid extra towards the principle before and they applied it towards my monthly payments. Only sending me statements for 3 months for interest.
Nationstar Mortgage have alleged they were transferred servicing of this loan in XX/XX/XXXX. I  have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued Nationstar Mortgage referencing this alleged transferred loan to collect. Nationstar Mortgage will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from Nationstar to substantiate my claims.
I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account
Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention
This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is removed.
I am a victim of identity theft and even though Ive provided a police report to Equifax and over 6 disputes since XXXX XXXX, Equifax refuses to remove a fraudulent account by the name of XXXX XXXX XXXX and XXXX both removed XXXX XXXX  within 48 hours of me disputing it along with my police report back XXXX XXXX. Equifax states that XXXX XXXX verifies my DOB, address and last 4 SSN. They have no signed contract or paperwork showing that I ever authorized an account with them and I was told whoever opened the account did so online. XXXX XXXX is now showing closed/ charged off on equifax and has drastically dropped my score and is preventing me from obtaining favorable credit. This is not my account nor did I ever authorize it to be opened in my name. I have filed a complaint with BBB of XXXX and with the FTC. Equifax is violating FCRA and I want this fraudulent account removed from my credit file immediately due to identity theft and they have my police report on file.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 

1.XXXX XXXX 2.XXXX XXXX
At the time I purchased the vehicle, I signed a contract for 1 year of free vehicle maintenance. In XX/XX/2015, I begin experiencing unexplained issues with the vehicle. I called the service department to schedule an appointment to have my car checked out. I called the service department several times but no one answered. I then called the main office phone number to no avail. The main number would continuously ring without any answer. 

After several days of unsuccessful communication, I drive to the dealership in an attempt to pay my monthly note and have my car checked. Upon my arrival, I notice there arent any cars on the lot & the office appears to be empty. I begin calling the phone number listed on the building but that number would also continuously ring. I XXXX the company to obtain the phone number & location of their other car lots. Much like the the number I was dialing for the main office, each locations phone number would ring with no answer. 

As Im driving to their XXXX location, my cars engine suddenly turns off & after several attempts it wouldnt restart. I called XXXX XXXX XXXX & arranged to have the car towed to a mechanic. I once again attempted to make contact with the dealership to no avail. Since my car was immobile, I asked a family member to take me to the XXXX XXXX location. Upon arrival I notice the lot is vacant & the office is empty. 

For weeks, I was unable to make contact with the dealership. I also realized my automatic payment had not been drafted either. I made yet another attempt to contact the dealership. When I XXXX Public Auto the search engine showed multiple sites all filled with similar consumer complaints. I felt as if the company had taken my hard money and disappeared. Leaving me & many others with out any communication and transportation. 

In XX/XX/XXXX, I received a call from one of their reps asking for money. Upon mentioning my repairs, the rep stated he was unable to assist with repairs as the company no longer has a service department. The rep stated if I provided a receipt for the repairs he would waive 2 months off my loan. The cost of repairs was greater than the blue book value of the vehicle. I mentioned the service contract to XXXX XXXX but he refused to honor it. 

By XX/XX/XXXX, I received a call from a third party lender asking for money. Shortly afterwards, I received a statement in the mail saying they were unable to assist me in taking over my loan. The loan was then transferred to another company for repayment. By this time I no longer owned the vehicle & refused to send payment without a written statement of representation on letter head from any third party company. 

Several months later I received a call from a different lender, also requesting money. This rep stated the loan was sold to them. And they wanted to collect on the outstanding balance. This was the 3rd time, my account had changed lenders without proper notification. And is now leaving a negative impact on my credit.
Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!
Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.