WillisBack/dataset-financial-user-claim huggingface dataset:
We overpaid our credit card by {$20000.00} to capital one and have requested reimbursement for the overpayment on two separate occasions, starting 4 weeks ago. Each time we have been guaranteed that we would be issued a check for the overpaid credit balance within two weeks of request. We are now going on the third request for those funds to be repaid to us. According to the truth in lending act, it is my understanding that a credit card must issue a refund for overpayment of credit card within 7 days of the initial request. We are now on at least day 28 and refund has not been issued. Tonight was my third time of trying to resolve this issue and the process has started all over again.
TRANDUNION claim they verified this Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask TRANSUNION to remove this account due undocumented proof.
I am disputing the collection account XXXX and account number XXXX which they show as being opened XX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately.
This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
I, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally extended.XXXX**** should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by XXXX XXXX on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!
My pii was taking bank account was open with out me know or coming into the branch I havent had a bank account for five years or more my taxes was being transfer into that bank that I never know of and a police report have been made on usaa my phone have been publish email taking over as well by XXXX XXXX XXXX
I have submitted dispute letters to all three credit bureaus because all the things I was disputing was n't accurate, was n't mine or the same account being placed on my report triple or more then triple time. .Under the Fair Credit Reporting Act, 15 U.S.C. 1681g That I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. I ask them in the letter please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Plus, all my loans was discharged later after my third dispute letter request was sent to the credit bureaus. I also fax the letter from Department of Education that stated all my student loans was discharged. On XX/XX/2017 I well be faxing in to each credit bureau NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 letter.
I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.
XXXX XXXX XXXX XXXX XXXX had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to XXXX XXXX via US Mail on XX/XX/2018. I received notification from Equifax, XXXX and XXXX that XXXX XXXX was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by XXXX XXXX, to show that I signed the document in the presence of a notary. XXXX XXXX has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.
Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given.
This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information.
The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX  Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.
Commonwealth Financial keeps harassing me when my Medicaid and XXXX XXXX said they paid for the medical bills.
XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX
My name is XXXX XXXX. 
I visited Mt XXXX XXXX center on XX/XX/2015 to get stiches on my forehead in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, Nationwide recovery systems from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.
Applied to lower monthly payments to {$140.00} and have been keeping up with payments consecutively for year. Without notice I have a past due amount due to payment hike up to {$650.00}. I have applied for CSRA to reduce my interest rate and have been unsuccessful. I have been a member of the XXXX XXXX XXXX since 2009 and have been eligible and received my CSRA benefit with the 2 credit cards I have but navient has not awarded me the benefit. My total loan balance left is {$21000.00}.
My mother wrote a check to my account to pay my rent. I then purchased a cashiers check to make the payment. Days later after the check had been cashed, Bank of America then put a hold on my mother 's original check sending my account negative. The hold was set to be released in less than a week, but it never happened, and my mother never received her money back. After that I was blocked from viewing my balances for my credit and debit accounts and a hold was placed on all of my banking. When I called to find out what was going on, I was transferred multiple times and finally an incredibly rude customer service repoed told me that my accounts had all been closed. Specifically he acknowledged that there was nothing I could do and that they would be closed immediately. Just yesterday I was told that my accounts are all still open, my credit cards have been billed for late fees and I 'm completely astounded. When I called again just now, no one apologized to me or explained to me what was going on, they originally only let me know that my credit account was still open and then after being transferred and me doing some prying they let me know that my checking account was also still open. When I went to inquire further I was again told that they could n't do anything about it. So here I am, with no active cards or any way of viewing my accounts and balances, still being charged fees. This is truly insane and no matter who I 've spoken to in the company no one has told me what is actually going on.
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX   fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.
My mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost ten years it was sold in XXXX XXXX to SLS Specialized Loan Servicing. While it was being sold I was in the process of a modification with XXXX. The modification was due to my interest rate going up from a previous modification set up. I was current on payments. I then started the process with SLS who from the start was a hassle. They sent out the forms and I submitted everything as they ask I was set up on trial payment {$50.00} less than my actual payments. The rep had asked that I still make the total current payment during trail which I did. The rep set up all the payments over the phone that day. The first payment in XXXX XXXX was denied by my credit union because it was not recognized, the same day I went back in and made the payments. This is all noted on my bank statements I will be attaching the statements showing all payments were made as asked. But they have my credit report showing 39 days late. I do not want this modification any more I do n't trust this company and they were trying to get me to agree to a XXXX balloon payment. Before I said I do n't want this modification I was asking them to correct the way my payments where being applied. I have reached out and did everything they have asked. The XXXX original reps I spoke to agreed with me payments were being applied incorrectly due to some code on my account. I just want my credit reporting correct and know what I owe to continue you mortgage they way it was. I 'll pay the difference and move on. I regret all of this wish my mortgage was never sold. My next payment to be paid is on the XXXX for the amount the rep set up this payment was to go towards my last trail payment for XXXX XXXX. I do n't know what to do next this has put me at serious health risk with my XXXX. I just need some direction on how to get this fixed. I do not want to refinance at this time I qualify for help and was just reaching out. They also sent me over a recast that I 'm unsure of when I contacted SLS they were unaware of it. Please help
On my   XXXX   report it still shows that I was late fo r five or six months  with my Bank of America mortgage loan when I was not late. I received a letter stating that they will change it on my credit report but it has not changed yet
someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect
Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.
First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.
In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.
While I wait for a recalculation of our loans we are supposed to be in a forbearance but have been receiving threatening calls and letters. I Then am told the recalculation was never promised and my loan is now late.
I was never sent any documentation or validation notice of this debt. 
That is against the law. 
The creditor has broken the law and this DEBT needs to be REMOVED from my credit report ASAP. 
This DEBT is not mine and NO attempt has been made to validate this debt.
Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I opened a Citigold checking account on XXXX XXXX, XXXX, using promotional code XXXX. This offer entitled me to XXXX XXXX XXXX miles for opening the account, making billpays in 2 consecutive months, and making {$1000.00} in debit card purchases. The terms and conditions stated that " This offer is available to Citi/Aadvantage credit cardmembers who receive this communication. '' Since I was a Citi Aadvantage cardmember, and received " this communication '' ( i.e. the promotion disclosure ), I applied for the account and completed all requirements. On XXXX XXXX, XXXX, a Citibank representative confirmed I had completed the requirements and would receive the bonus within 90 days. The miles had not posted by XXXX XXXX, XXXX, so I contacted Citibank to obtain a resolution. Citibank refused to pay out the bonus multiple times, even after confirming I had met all requirements, and after collecting {$60.00} in monthly fees for the account. I believe the CFPB was created to remedy the use of these bait-and-switch tactics by banks, and working directly with Citibank has proved fruitless.
This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX  / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.