WillisBack/dataset-financial-user-claim huggingface dataset:
To W hom It May Co ncern : I have a credit card with Bank of America. On  XXXX .2017, I paid my " new balance total '' from the prior month of {$830.00}. I was quoted this balance total in my account summary, dated  XXXX 2017. On   XXXX  2017, I received my monthly account summary for  XXXX  and the  XXXX  statement lists an interest charge of {$9.00}.     I am writing to contest this charge because based on my understanding, cardholders are not charged interests when the balance total is paid. Pertinent information and assistance is greatly appreciated.
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX 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 started receiving phone calls. Then I searched the phone numbers and this collection company turned up as the owner. I have sent a request for their surety bond agreement, and collection licence that I may report them to the state regulator. This is in breach of HIPAA laws. I have sent three letters asking to cease and desist with the phone calls, letters, and all communications. They are continuing to report it on my credit and that too must stop. It is a violation of the FCRA, the FDCPA, and my legal rights.
My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.
Good afternoon, I need to know my rights concerning receiving statements concerning my mortgage. My mortgage was transferred to another company starting in XX/XX/XXXX. However we were on a repayment plan and made the final payment to the prior mortgage holder and they did not take the payment they sent it back. So we contacted the new mortgage holder to ask what to do and they could not tell us anything, so they sent a packet with 3 months of payment slips to mail in with our payment for which we did and did not receive any statements at all and still havent received any. So I called to get the loan number to make my additional payments and that was when I was told we were placed in Loss Mitigation and of course I was shocked and informed them that we did not have any clue of this, so of course we talked to the old lender and was told if we made a payment of XXXX on XX/XX/XXXX then our account would be current of course when we called to make that payment we were told that we are still 2 months behind. Still no statement, so then we were told that we could do yet another repayment plan but of course when we called to set that up we were told we could not. So my question were they not suppose to send us statements, how else are we suppose to know our status. Also I was told they put a stop of some sort on the statements and that did not make any sense to me. If so what are our rights?
XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

NATIONAL CREDIT SYST Account NumberXXXX Collection Account
I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.
XXXX was supposed to pay off my XXXX wireless account. The documents sent by XXXX were uploaded to XXXX website and they were rejected. I did not know they were rejected right away. I had called XXXX and been working with them and XXXX wireless to get the corrected information to XXXX. IN the mean time this account went to default and the account is not paid. XXXX was supposed to pay off XXXX. I have emails to XXXX CEO 's with the documents if needed.
We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?
I was traveling abroad. I contacted the credit card office to inform them thatI am unable to pay online because I did not have secure internet connection. 
And I requested to allow me more time to send the payment as soon aspossible. However they reported my account as late to the credit agency.
After I contacted CFPB about this Navient issue, due date was postponed to XX/XX/XXXX,  according to the attachment. Shortly after, Navient changed the due date to XX/XX/XXXX. 

Due date should be XX/XX/XXXX and not XX/XX/XXXX Last year, I sent multiple requests to Navient to correct the date of the Deferment or Forbearance or whatever you want to call it at Navient. 


My priority is to finish what I started over here ... At this point, the focus is on completing the education to become licensed in XXXX. I am doing combined XXXX/XXXX/XXXX program in XXXX. 



I owed the U.S. government much more money than Navient/XXXX. Despite XXXX  is no longer approved to receive Federal loans, U.S. Dept. of Education is collaborating and reduced my payment to XXXX per month. Navient/XXXX are known to give students a hard time. 


Again, as I can not make any payment at this time. Co-signer can not make any payment either. Stop harassing the co-signer. 


This Navient loan was processed in a cheating way via XXXX and XXXX. I applied for federal loan first XXXX and XXXX had refused to process the federal loan but XXXX XXXX private loan. XXXX   was still eligible for Federal loan. Then XXXX and XXXX forced students to find a co-signer or drop out of school. I and other victims found out about the scandal because there were two U.S. military students in school who got their Fed loans processed directly ... So it was a lie, to get student to take private loans from XXXX, instead from U.S. government. Other students, like myself, complained about it. XXXX  never provided an explanation. 


Navient/XXXX are being tolerated. If the system was functioning correctly, I and none of my classmates would sign up for this loan.
Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) This company is harassing me my family and friends and my employer, in relation to alleged debts. 
I sent a Cease and Desist letter to this company for their alleged collection attempts but they continue, I want immediately file a complaint. This company need to stop with this harassment practice in violation of the FDCPA and the Consumer protection laws.
After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.
On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
I had a Heloc with BofA at my personal residence fo r 10 y rs for  XXXX  per month. I never missed a payment. then it was set to reset to a fully amortizing loan and the payment would be  XXXX  per month. I was told I had options o f, 1. p ay it off.  2. s ee if I could re apply for th e Home equity  loan and keep it the same. I did and I was turned down. after 10 years of making payments and never having a late. Then I was told I could apply for a modification but they would not look at it if I was current. so I stopped payments for two months and applied. I was turned down. I then made the payments current and  six mon th later paid it off in full. Now I am trying to get a new loan and I have late payments on my otherwise perfect credit report and I can not get a loan. The ve ry lest BofA c an do is remove them. This all happened in 2016. the late payments are from  X/X/2016
I disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.
XXXX XXXX, 2016 To : BWW Law Group CC : XXXX. XXXX XXXX XXXX XXXX : NOTICE TO CEASE AND DESIST Third Illegal Attempt to Schedule Sale of Property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Case # XXXX To Whom it May Concern : I just had a letter forwarded to me dated XXXX XXXX, 2016, notifying me that BWW Law Group has scheduled a sale of my family 's home on XXXX XXXX, 2016. This action is in direct defiance of judge XXXX disposition of this matter at the hearing held on XXXX XXXX, 2016. At that time judge XXXX clearly stated that the matter would be held sub curia. The hearing on XXXX XXXX constitutes judge XXXX last decision on this matter. 

Until the judge makes a decision, neither party may take any action governed by the sub curia status -- which means that the issue is clearly not decided. 

BWW Law Group must immediately cancel this sale scheduled on XXXX XXXX, 2016, as it is clearly prohibited by law. This is the third illegal act of this nature perpetrated by this entity. This is not behavior acceptable for officers of the court, and it is grounds for an official grievance process to be propounded upon all parties who have participated in this process. 

I have made a formal complaint with the CFPB and will continue to explore all avenues at my disposal to ensure that this sale is stopped. Not only does this sale flout the authority of the Circuit Court, it also violates dual tracking as my application for a loan modification has not yet been decisioned by XXXX. 


Sincerely, XXXX XXXX
I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.
In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017
My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
In XXXX, 2018 i got a business card for a company I worked at. Three days after I received it another employee stole the card I immediately reported it to Amer Express and had the account closed. The ex employee used it to purchase some wireless communication equipment. Needless to say, the employee took a personal check back and paid for it. His check bounced. I didnt have a card with Amer Express. So Amer Express opened an account for me without my approval then transfer the {$3500.00} to me. I called Amer Express and advised I didnt want a card. That didnt matter to AE. They issued me a card anyhow. I have tried to explain this for about a year. Opened a dispute with XXXX. Then AE made it a charge off. I will have that on my credit report for 7 years. This is why I believe I should have to pay this. The total owed is {$3500.00}. I did report this to the Attorny GeneralOffice.
XXXX from D and A Services called me asked me to verify my personal information. I basically told him that I do not give out me personal information to strangers and to send whatever he needed to contact me about in writing. He began yelling at me about refusing to pay my debts or verifying myself. He told me that if he want to commit any type of fraud or identity theft he already had enough information to do so. He continued to talk after I told him to send the information in the mail. He also tried to get me to verify personal information and gave me some one else 's Social Security Number. I told him it was not my information and hung up.
In XX/XX/XXXX I learned I was the victim of identity theft. Upon reviewing my Experian credit report I discovered numerous errors and accounts resulting from the identity theft. I sent an initial dispute letter dated XX/XX/XXXX notifying Experian of the errors and requested that the information be corrected. In that letter I requested, should they refuse to delete an item, that under federal and state law that they provide me a copy of evidence in support of their findings. I also advised them of my rights as a victim of identity theft and submitted all required documents per statutes. 

I monitored the report for the next several months while Experian investigated the issue. 

In XX/XX/XXXX I reviewed a new copy of my Experian credit report. I found that it still contained two errors. I sent a letter to Experian dated XX/XX/XXXX, a copy of which is attached. In that letter I demand that Experian correct these errors. I submitted documentary evidence clearly showing that the information is incorrect. I also requested that in accordance with federal and state laws that Experian provide me with records pertaining to this account and information on how they verified the information. 

On XX/XX/XXXX I received a generic response indicating that the " company that reported the information has certified to Experian that the information is accurate. '' However, I did not receive any of the documents or proof or an explanation of the procedure for how and who verified this information. 

Experian refuses to correct the inaccurate information they are reporting about me. Further, Experian refuses to follow federal and state guidelines that require them to correct incorrect information, taken certain steps for victims of ID theft, and to provide records pertaining to a " description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonable available the telephone number '' upon my request. 

As of the date of this complaint Experian has failed to either correct the information or provide a description for how they " certified '' the information.
Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.
XX/XX/XXXX I filed a credit card dispute with Bank of America against a vendor XXXX. Originally Bank of America issued a credit but 60 days later they reversed that ruling. This is after I received an " interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either.