WillisBack/dataset-financial-user-claim huggingface dataset:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account
On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You
After months of arguing, I did file a BBB/ CFPB complaint against KEY Bank . Well last week I was sent a letter and a check telling me now that they closed the account that they refused to close prior to the complaints. Also in my account before the illegal debits was {$21.00}, they sent me a check for {$14.00}, thus taking more of my money that they are n't entitled to. how can they get away with this stealing? and as of yet not one phone call from the corporate office in XXXX.
On XX/XX/18, I contacted Navy Federal Credit Union and spoke to XXXX, Consumer Loan department. I inquired about my personal loan and why I was being charged {$29.00} fee assess since XX/XX/2018, which I wasn't aware of. XXXX was not able to assist me and he talked hastily and was discourteous. I was very dissatisfied with his service, and told him that I wanted to speak to his supervisor and was going to write a complaint against him. He said, that's okay, go and make a complaint on me, and you should wait 3-5 minutes to talk to my supervisor. I then spoke to XXXX, Supervisor, Consumer Loan about why I was being charged {$29.00} which I was not aware of and there were times that I would contact Navy Federal Credit Union to inform them of my payments due to direct deposits received from my pensions since I am a XXXX veteran, retiree and on a fixed income. I also asked whether Navy Federal credit union has a grace period less than 10 day. She informed me that there are no grace period on loans which I was not aware of. She apologized that I was not informed about that. She informed me that XXXX XXXX XXXX does not guarantee grace period on loans. I was charged the following : XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adj, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18 ; increased balance adjustment, XX/XX/18, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adjustment, {$29.00}. I informed XXXX that Navy Federal Credit Union has been overcharging me and I didn't received any notice of such fees. In addition, I inquired about my credit card loan, which was paid on XX/XX/18 in the amount of {$360.00}, and she informed me that she didn't see any payment come through and ask how I paid it. I informed her that I walked into the bank and made a payment on XX/XX/18. She misled me in notifying that my credit card payment was not paid for the month of XXXX. I was not satisfied with her information. My husband and I are both senior citizens and XXXX veteran, retirees, and on fixed incomes. We've been with Navy Federal Credit Union for approximately five ( 5 ) years, and sometimes receive lousy customer service.
Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. 

I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.
I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.
XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.
On  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.
This debt collector has called me stating I owe money from an incident in XXXX XXXX. The debt collector called me in XXXX XXXX about this. My concern is statute of limitations.
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows XXXX filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.
My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX
On XX/XX/XXXX I was charged a NSF fee for XXXX due to a check I wrote around 2 weeks before this date. 
Upon investigation and many phone calls I was told the {$37.00} could not be refunded because Huntington has credited me too many times in the last year. One of these credits is due to the last complaint with the CFPB. 
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a " Huntington 5 account '' I found out I was using ATM and being charged fees also, then found out my account was no longer the Huntington 5 account. 
There was no notice of my account changed, there was no reason from huntington on why it was changed and this was done without my permission. 
I am very upset that the check that was bounced back was not covered under the huntington 24 hour grace. What is disturbing is nobody can answer why it was not covered. All I am told is " It is up to the bank ''. The check would of put my account negative {$21.00} if I would of gotten the 24 hour grace. Thus would of been paid ( I did pay the NSF charges the same day. 
The disturbing part is the Huntington Customer Service. The local bank declared " Personal checks are not covered by 24 hour grace '' Call center agents tell me that I am not eligible for 24 hour grace anymore because of my past account history. Well I was never sent a notice that 24 hour grace is not longer available for me. 
The local banking center says I am eligible for 24 hour grace still and that they are sorry my account was changed without my permission. 
This is a very frustrating bank and I was also told I can never have any money refunded until XX/XX/XXXX. Because you are only allowed {$50.00} a year and the {$300.00} from my last CFPB complaint exceeded that. I thought this would be a good jester from Huntington and did not realize if I made anymore mistakes I was going to be staked out and have all my privileges removed.
XXXX XXXX continues to call when asked to cease all collection attempts to my work number and he has crossed the line, threatening legal action, imprisonment, wage garnishment, asset collection, and credit reporting against me. He has also after speaking with me today, at my work as I told him I could not talk he called back I had my boss in the office and it is an unidentified number I assumed for work, when I answered he began the threats above and when I asked the amount he could n't give me a set amount I told him I contacted the owner of debt who said they do not have further information regarding the debt and will not provide it any further. He again called again, then when I again asked him for the XXXX time not to call my office or work, he called today, then when I told him I would rather it go to collections where I can deal with a claim in writing instead of giving them my money over the phone, he said so you are refusing to cooperate I said yes, he said we will contact our lawyers and it will cost you more, then he proceeded shortly after this to contact my mother at her place of employment, my father and my sister all ina matter of 1 hour with him stating he is a location service attempting to find me and collect a debt from me or they could settle it for me. this is crazy ... illegal and wrong to even continue this I can lose my job and how can he say I owe and contact family members who were never on my loan and give them false information that he is a location service? his contact number is XXXX x XXXX and it states they are an assets management service.
I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details. 

I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to. 

My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate. 

Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX? 

Which is it? 
Did the account K in XXXX? 
Was my last date of my activity in XX/XX/XXXX? 

Your reporting is all over the place. This is why this account must be removed! 

Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and XXXX ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
The Original creditor failed to bill the insurance company for XXXX visit. I have provided proof that I had valid coverage to both the Original Creditor and the Collection Agency. I was told by XXXX that it is too late to bill the Insurance therefore I am responsible for the debt. This debt is being negatively reported on my Credit File with all XXXX Credit Bureaus. I am requesting a new investigation and have this item removed permanently.
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee.

On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report.

On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Here is the story Citi Cards XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.
Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.
Repeated calls, one after the other. Name calling and obscene language. Refuses to identify the company they 're calling with without finding who they 're talking to first, and then get belligerent. 4-5 calls per day to numerous phone numbers, have asked them to stop calling. Refusal to get supervisor when obscene language was used.
The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.
I requested debt validation on XXXX XXXX, 2016. The collection agency has never responded to that debt validation and is now in violation of the FDCPA, FCRA, as well as the Texas Finance Code as they placed it on my credit file and have continued to try to collect on the debt. They have however, verified the debt with each credit bureau.
i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!
For 1 year now I have been trying to save this home I sent paper over 10 times they say they never got it I offered to pay house off they refuse to work with me
Please consider this correspondence  to be formal notice that your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The loss  mitigation package was provided to your office on  XXXX / XXXX / 2017  - On  XXXX   XXXX  we left a message for the lender requesting an update to the review - And again on  XXXX   XXXX  - On  XXXX   XXXX  we were able to get in contact with  XXXX  ID #  XXXX  - We were advised by  XXXX  of the docs needed for the review - he advised that if the missing items could be provided the same day that he would enter a request for the FC to be postponed. this has not been done and we are requesting a postponement of the FC for the review to be completed.
This collection Company continue too list these 2 XXXX  accts on my XXXX  credit report its was off for months after I disputed months ago as of XX/XX/2018 there back on my credit these are not mine acct remove off my XXXX  credit report immediately Ive sent you guys copies of my fraud report days ago!!!
XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!
Dear CFPB I was trying to modify my mortgage loan with Chase Bank,, this issue dragged for almost three years. 
Bank declined after many exhausting attempts. always, overqualified, under qualified. etc. 
They proposed an alternative. Reinstate the loan, or do a short sale. 
in effort to reinstate the loan, I went through a costly expenses since I had to bring the property up to code, and really upgrade the house condition in order to put it on the market. ( I will attached MLS page ) all savings dried out. give notice to 18 years tenants to move, etc. 
costly, for sure. but ; I only way to reinstate the loan with back interest, attorneys fees etc. properties do not sell as quick as we want. reason why I said fine, let 's put property for sale as Short Sale, which ever action takes place first is going to be. since short sale is less harmful then foreclosure. 
We accepted a buyer willing and able to purchase this property, send offer to the bank. 
most work done, my other property already on the market, and Chase decided to put the property on Foreclosure, in the low 300,000 it was not sold at auction, is now returned to the bank. is unreasonable. 

I want to keep my property after all efforts and expenses. please, help.