WillisBack/dataset-financial-user-claim huggingface dataset:
BMW IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO BMW FIN SVS. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report. 
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request. 
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request. 
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt from my Credit Report.
In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer. 
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time. 
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer. 

The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.
P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.
In XXXX 2016, I signed up for a Citibank Citigold checking account using promotional code XXXX for XXXX Citi Thank You points upon completion of several qualifying transactions. The day after signing up for the account, I confirmed via Citi 's online customer service chat that I was eligible for the promotion and that the promotion was attached to the account. Citi confirmed eligibility and I proceeded with the required transactions. Upon completing the qualifying transactions, I confirmed with Citi via secure message that I had successfully completed all required transactions for the promotion. I was told that I did indeed complete all the required transactions and that XXXX Thank You points would be deposited into my account by XXXX/XXXX/2016. No points were deposited, so I asked Citi if there was an issue and Citi then said that I was never eligible for the promotion even after I had confirmed twice that I was eligible and completed the requirements of the promotion.
Unfortunately I trusted Citi Bank with my checking needs and they have lied about my account bonus multiple times On XX/XX/2018 I opened a new checking account with Citi. I already had a credit card with them and on my online account they had advertised the following offer : ** " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1. ) Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 2. ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' ** I met those requirements, called and chatted multiple times with Citi representatives who said the offer was on my account and would be given within 90 days of meeting the requirement. 

On XX/XX/XXXX it had been 90 days since I met all the requirements and the terms said the bonus would be posted by then. I called after XX/XX/XXXX and said I still haven't received my bonus and a representative opened an investigation and said it would be given within 2 days. I called three days later and they said the same thing, I called again on XX/XX/XXXX and they said it will now take 60 days to process the bonus .... 

This absurd given the fact that multiple citi representatives said  otherwise and that it would take so long to honor a bonus that I have confirmed that Citi already knows is attached to my account and they have confirmed I have met the bonus. I met the requirements for the bonus on XX/XX/2018 and they are just stringing me along for the ride. I'm really disappointment with Citi and they integrity and honestly dealing with this issue.
Experian refuses to investigate disputes on ALL tradelines in my credit report with them. A prior investigation was completed, but was not to my satisfaction. I requested re-investigation and to provide the manner in which investigation was done, as well as the information received that was used to verify. Neither request was honored. I have proof and documentation that the information being reported is incorrect, but I refuse to furnish it to a credit reporting agency to used against me. In addition, they refuse to provide me with any additional access to my credit report, even after adverse action less than 30 days prior. This is all in direct violation of many FCRA, Texas Finance Code, and Texas Business and Commerce Code statutes. An attorney on retainer has been given all documentation and correspondence.
I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.
on XXXX XXXX upon reviewing my credit report i read that XXXX XXXX is reporting a negative to both transunion and XXXX. I mailed a dispute letter via certified mail on XXXX XXXX to XXXX XXXX using the address from the Transunion report. Weeks later i recieved the letter back marked undeliverable unable to forward and the company moved 20 years ago. I mailed the copy of the envelope and letter to both experian and transunion requesting them to delete for improper reporting and practices on XXXX XXXX via cerified mail. XXXX responded with a letter stating " updated '' and giving me the correct address. I have not receive anything from Transunion and the remark still shows in my report.
I just learned of your legal action against Navient ( Sallie Mae ) and several other student loan companies. 

I have filed two complaints with the CFPB since XX/XX/XXXX, and would like to join your action against these institutions if possible. 

I filed Complaint ID XXXX in XX/XX/XXXX against Sallie Mae ( before Navient took over ), and this issue is still " open. '' In XX/XX/XXXX, I filed another complaint against the same entity, now known as Navient with Complaint ID XXXX, and this issue appears to be " closed '' even though this issue was not resolved, and Navient continues it's unscrupulous and most likely illegal practices. 

My contact information is below, and I would love to be able to add any assistance to let justice prevail for my family and countless others. 

Best regards, XXXX XXXX XXXX XXXX
On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,
I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?
I paid by a western union money order to pay my XXXX XXXX bill. Some how XXXX XXXX cashed it. Western Union has received endless paper work since XXXX from me and XXXX XXXX and wont reinburse me. This has been going since XXXX. Please help me.
I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.
A family member called me and stated that someone called looking for me on the night of XX/XX/19. I got the phone number from the family member and immediately called. The rep that answered the phone stated my name and asked if that was me. I verified and the gentleman hung up. This was at XXXX eastern time. I then called back two more times and no one answered. This morning I called the number again. ( XX/XX/19 ) This time at XXXX. The lady who answered the phone stated my name and I again verified it is me.I asked what time they close for the evening and she stated " it depends, but XXXX ''. I explained what happend the night before and she stated she would transfer me to who I needed to speak with. She then transferred me to who I later found out was " XXXX ''. XXXX started off on an ok note. He verified my info and identified why they were calling for me. When XXXX told me what he was calling for, I set up a payment plan and gave him a card to put on file to to make my payments. After I did this I asked XXXX if they can remove the debt from my report because me making payments may reage the account. XXXX stated that it would report as a settlement. I told him then I would be better off not paying it until I can pay in full. I didn't want a settlement on my credit He asked if I still wanted to make payments monthly and I stated no. I will pay when I can pay in full. XXXX stated " well then we will report you '' and he hung up. I called back to make sure XXXX removed my card and knew not to run it. When I called back, I didn't at that time know his name so I just started talking. I assumed it was the same gentleman because I JUST got off the phone with the guy and he sounded the exact same. What I said was " I'm calling back to make sure you know to remove my card ''. He said I wasn't talking to you. I said oh ok, It sounds like you are the same guy. The gentleman on the phone said " What are you trying to say? All XXXX guys sound the same?? '' I stated, are you XXXX?? I can't tell that over the phone. He then said hold on. After maybe a minute, the SAME guy came back and started talking. He stated " We already sent your account over for processing. Make sure you have two forms of ID on you when they get you ''. I again stated Make sure you remove my card. He hung up the phone. I called one more time. This time a woman answered. When I asked for the rep 's name who's over the " account '' the woman stated " Oh Lord, you're calling back again! '' she put me on hold and sent me to the voicemail of XXXX. That's how I found his name. XXXX was very deceptive in trying to manipulate me to believe I would be arrested. He also never verified he removed my card. I also don't appreciate his usage of race in our conversation. Who does he know I am NOT XXXX?? I didn't care about his XXXX  and I still don't, so I am not sure why that was mentioned.
I sent in a dispute on an entry on my Experian and  XXXX  credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry. Experian has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,   XXXX  . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispute any item on my credit re port that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX , Experian, and  XXXX  ) do   not prove the listing on the reports are accurate and provide validation in a timely manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by TransUnion. TransUnion refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX XXXX, this inquiry is showing that it was pulled in XXXX XXXX, XXXX XXXX   XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX   XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by TransUnion. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from TransUnion.
I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Approximately XX/XX/XXXX/XX/XX/2018 I requested from the federal student loan servicing to change my payments so that it reflects correctly on my credit report. Currently on my credit report it has me as having to make a payment of $ XXXX/month once I'm out of forbearance. Because I only make $ XXXX/year this has resulted in me getting denied a consolidation loan for my credit cards due to a high debt to income. I contacted federal student loan about this. They said I would have to enter the repayment status, then pay {$5.00}, then they would put me back in forbearance and then report to the credit bureaus that my payments would be $ XXXX/month. I did everything as said and it still says {$3000.00} on my credit report. They said it would reflect the {$400.00} by XX/XX/XXXX. Last week I had to call again because then I received an email saying I had to pay {$400.00} by XX/XX/XXXX. They fixed this one I called and told me that they would submit the request for the {$400.00} to be reflected on my credit report but now I have to wait until XX/XX/XXXX for it to show. But in the meantime I'd get a letter stating this {$400.00} that I can give to the bank to appeal the denial of the consolidation loan. I got the letter and where it has payment it says TBD. This is not going to help me at all!!! I've done everything I was supposed to do and still nothing. I don't have time to wait another month for this.
I received XXXX loans from various payday loan Agencies, all in which were financed by the same Finance Company. I needed the loans to pay medical bills, and well needed car repairs, I was not aware that their was XXXX Finance Company for all XXXX loans. When I went back to payoff XXXX my loans and re-loan, I was told that I could not re-loan due to my reaching my cap with the Finance Company. This caused a great financial crisis for me, because I had given them over {$700.00} contingent upon them giving a portion of it back so I could fulfill my other obligations. I contacted the Finance Agency, whom had XXXX my loans listed under a different ss # and another not listed at all, but yet I was declined receiving another loan " due to reaching my cap '' I had also paid off another loan to get a higher amount the lower amount was {$1100.00} APR of 286.27 % total payments of {$3100.00}. I had paid {$2400.00} at {$280.00} monthly for six months. I was told I had to payoff the loan first before increasing the amount, so the Lender said I still owed {$810.00} plus pay a additional fee of {$55.00}, so the interest that was deducted for paying off the loan early was only {$560.00} ( which was unfair amount ) so now the new financed amount was {$4100.00}, I received {$3300.00} after they deducted fees at a 221.13 % APR with monthly payments of {$760.00}, so the total amount owed to this same Finance Company would be {$13000.00} over a period of 17 months for a loan less then {$3000.00}. I 'm certain that the Loan Agencies are not allowed to charge this much for small loans, and if they are someone need to do something about it. If they are licensed under the Mortgage Lending Act then they should be giving Mortgage Loans not payday loans. Payloans from XXXX, XXXX XXXX XXXX, XXXX and installment loan from XXXX all financed by NCP Finance ( Lender ).
To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX
As publicly stated by Equifax on XXXX XXXX, 2017, a  large portion of their database was breached in 2017. My information was confirmed to be a part of this breach which will negatively affect the following : my ability to easily apply for credit ; the security of my social security number, date of birth, past addresses and more, as they are now accessible to unknown persons ; my ability to effectively manage my credit without undue stress or concern.