WillisBack/dataset-financial-user-claim huggingface dataset:
Previously submitted consumer complaint Case number : XXXX and case number XXXX about the Bank of America My Access Checking Account number ending in XXXX is STILL in question. In XXXX during a phone call with a Bank of America representative, I asked them to check about allegations of " Account Abuse '' Bank of America reported to XXXX rendering me unable to open a new account. It was only at that time they notified me I had an account number ending in XXXX which had been closed with a - {$530.00} balance. When asked why I was never notified via mail, email, phone, or any other means as this is the law when recovering a debt, I was told it was an " oversight ''. Not only that, in the time Bank of America claimed to have closed this negative account I owed {$530.00} on, I applied for, and was approved for a Bank of America Mortgage, and NEVER, NOT ONCE was this account or outstanding balance EVER mentioned. I was taken aback and confused as to how a creditor Bank of America can report " Account Abuse '', and not notify the debtor. MOREOVER when I login to my Bank of America account to check and pay my mortgage, the checking account in question, the account Bank of America claimed to have closed on XXXX XXXX, XXXX is STILL ACTIVE with a positive current balance. To clear my name, and clean my XXXX record, I agreed to be proactive and set up payment arrangements to clear this " debt ''. A consumer protection file was opened twice as I was never notified, and I could not fully understand how this is account abuse when under my Bank of America profile, there is a My Access Checking account number ending in XXXX opened 7 years ago with a current balance as of XXXX XXXX, XXXX of {$960.00} ( documents included ). So where exactly did the {$530.00} and {$11.00} I paid? This is the amount claimed by Bank of America to be owed to them go? It appears that Bank of America is the one who should be charged with account abuse.
Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX   XXXX  2.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX  XXXX   5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.
XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING
I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.
I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.
the following items I have been disputing has not been removed from by credit report on XXXX as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/XXXX XXXX.
I contacted Navient to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.
I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
I received a couple checks as payment for a job. Before I accept the payment i called the banks owner of the check and verified that the payment was legitimate. I also asked the customer to see there ID. 1 out of the three cleared, and now Wells Fargo is faulsly accusing me of giving a fake check.
National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.
Hi, as of XXXX XXXX I switched to XXXX XXXX XXXX XXXX from XXXX a XXXX XXXX because XXXX keeps sending invoices, 5/3rd Bank ( my mortgage holder ) keeps paying XXXX Home Owners Insurances. XXXX XXXX and XXXX XXXX XXXX is all I Need! I can send you a video of me signing the XXXX cancellation ( XXXX XXXX, XXXX XXXX paper work at XXXX XXXX I tried to cancel XXXX XXXX + XXXX XXXX and It still is NOT corrected ) and my Escrow still shows 5th3rd paying XXXX HOI 's as well as an increase of about {$1000.00} on my XXXX XXXX policy that XXXX tells me is only $ XXXX but 5th 3rd projects to be $ XXXX??? Do they get to keep the {$820.00} just because they project the cost to go up when XXXX tells me they have no plans to increase my payment?? And How can I get this multiyear problem solved?
I am a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all XXXX credit reporting agencies
I am unable to pay for my loan because I had to file a Bankruptcy and take an early Social Security of only a little bit over {$700.00} a month. When I do find a job The I.R.S. taxes me and I have to pay instead of getting a refund. Navient told me I could get a Repayment plan according my income. They told me its approved and the the next month send me a bill for {$700.00}. This goes on and on month after month and my loan went from {$36000.00} to {$42000.00}. When I try to get my I.R.S. Tax return information online I can not retrieve it .I am XXXX years old and am living on Social Security and a part time job of 15 hrs. a week .Every time you try to contact Navient you get a different individual and nothing gets accomplished. I am not trying to get out of paying my loan, but I do not understand why I can not pay a small amount and keep the intrest down. Illinois Attorney General XXXX XXXX has filed a Lawsuit against Navient and when ii ask them about it they will not respond. 

What kind of Options do I have? 

Respectfully XXXX XXXX XXXX
Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.
TSIXXXX {$24000.00} account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX FLORIDA XXXX JUSTIOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote : This is not my bill. I did contact the Department XXXX XXXX XXXX and was told I should not of had this go to collections and it would be removed. I t has not be removed yet
I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX   and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.
On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.
I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.
this is the second bbva compass bank has rearranged my ebit transactions to char me XXXX or XXXX overdraft charges, I have made several purchases during the week of XXXX/XXXX/16 thru XXXX/XXXX/16, I had an emergency with my car and swiped a purchase for a new tire. I accept during this transaction I did not have the funds but I was scahrged twice for this purchase. then I looked at my account and it said I have a positive balance of {$1.00} but how is that possible if I was charged XXXX nsf charges of {$38.00}.
My loan servicer is FedLoan Servicing and I am enrolled in the Public Service Loan Forgiveness ( PSLF ) Plan. My qualifying employment has been certified with FedLoan since XXXX of XXXX. In XXXX XXXX, I received a re-certification from FedLoan Servicing that showed the number of qualifying payments I have made. This number did not match the number I have made since the beginning of my qualifying employment, nor did it show the actual beginning date that I was first certified by FedLoan Servicing as having qualifying employment under the PSLF Plan. 

I contacted FedLoan for an explanation and they told me that they would send me a document detailing each payment I have made since the beginning of my qualifying employment, whether or not it qualified under the PSLF Plan and why or why not. I have not received that document.