WillisBack/dataset-financial-user-claim huggingface dataset:
I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX/XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX/XXXX as of XX/XX/XXXX for my VA loan. I have also asked for my FICA score to be reversed due to XXXX/XXXX not submitting payments made since XX/XX/XXXX after cashing checks with my VA loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.
I have been receiving numerous repeated automated phone calls in an attempt to collect payment. It is an automated call and it gives the option to speak with a rep but when I select that prompt it disconnects. I was going to inform them that I will pay as soon as I can and that harassing me will not create an income for me to pay them with. The latest calls are from XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX ( today ) @ XXXX so far and I'm sure more will come.
Quicken Loans is attempting to close on a loan with the clients name, XXXX XXXX, XXXX, FHA case number. They fraudently misquoted her numbers telling her the world and then bait and switched her. They charged {$400.00} for a fee not related to the appraisal so they could keep the appraisal. In every which way they tried to skeem and push something in front of this lady, all the while I was diligently telling her they were in the bait and switch program. I wish this not to the case on future, elderly, XXXX, living in poor neighborhood individuals. They also denied transferring the fha case, which is illegal, despite the client writing us a letter, stating that she was wanting to go with us. Again, very illegal and very unethical, you can not have a lender like this operating in OHIO.
AES is not being transparent in servicing my loans. There are XXXX loans serviced with my account, but they continue to apply my payments to only XXXX ... RATHER than to all XXXX ; therefore resulting in unnecessary late fees and a barrage of phone calls. AES calls my family, friends, and me about 10-20 times per day using BLOCKED phone numbers.
The afternoon of XX/XX/XXXX I received a call from a debt collector saying they where collecting a XXXX XXXX acct from XX/XX/XXXX the girl on the phone said the acct was reporting on my credit report on and it was n't she did n't inform me that she was a debt collector and that she was attempting to collect a debt then the girl stopped talking then her supervisor can on the line and said that the girl was new and it was OK then he said the acct was n't on my XXXX and said that she was looking right at it and when I told her it it is not on XXXX she stopped talking and her supervisor came on the phone and said the girl was new reporting then said this was n't a reporting issue I let him know it was because she mislead me to think it was on my credit report so she could try to scare me into paying on this acct then His manager came on the line and said he was going to hang up on me because I was n't being professional then he put me on mute to wait for me to hang up came back to the line and was tell me to pay the acct when I started talking about how his company did n't follow the fdcpa he said he was ending the call. The company on XXXX in XXXX nc and the caller I 'd said va.
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. 

I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
FAILING TO COMPLETE PROPER INVESTIGATION On XX/XX/2018. 
I received a letter from Equifax stated that they completed an Investigation into accounts I disputed. 
I requested ORIGINAL CONTRACT with my SIGNATURE for proof of VERIFICATION, for [ XXXX XXXX and XXXX XXXX ] Their claim was that the account were. VERIFIED, WITHOUT providing PROOF. 

I file a complaint here at CFPB. 
On XX/XX/2018, I received another letter like the one I complained about, stating the account was VERIFIED. 

The account in question has signature with another last name, not mine. The terms show as 8years, when on contract shows as 6years. 

If original contract was requested, the company would have notices this INACCURATE REPORTING. 

The other, XXXX XXXX, collection for XXXX XXXX, is result of identity theft, which report was filed.
Shellpoint Mortgage Servicing ( Complaint # XXXX ) never sent me follow-up papers from XX/XX/XXXX to decrease the APR and/or monthly mortgage payment for my XXXX, OH XXXX property. My son lives at XXXX. In XXXX, I submitted applications for both properties ( including my residence at XXXX, OH XXXX ), but Shellpoint only gave me a modification for XXXX. The subprime rate on both properties in XXXX were part of the country 's XXXX Great Recession. I still do not want to be a sharecropper paying for properties that I will never own.
On XX/XX/XXXX I mailed my payment to this credit company. They received it on or before XX/XX/XXXX, then delayed in crediting my account until XX/XX/XXXX so they could add a late fee on XX/XX/XXXX. They even lied that they had not received it when I called them on the evening of XX/XX/XXXX, when it had been in they possession for over a week! 

On XX/XX/XXXX, I reminded them that Federal Law require the account be credited on the date it is received and requested they follow the law. The next day XX/XX/XXXX, they replied with a denial, claiming their company policy ( of applying the payment within 5 business days ) is the requirement.

Their admission verifies a violation of Title 15 U.S. Code, Chapter 41, Sub I, Part D, Section 1666c which states in part : Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. 

I have a photocopy of my check with their penned noted " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. So the payment I sent on XX/XX/XXXX was received on, if not prior to XX/XX/XXXX. Institutional delays and procedures do not trump the Federal Law. 

-Documentation ( including the check, email messages, and phone logs ) available upon request-
My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.
I had got out of my contract with the company XXXX XXXX. I had asked for a refund through this company since all my payments were made to XXXX XXXX. Now Im being told i have to pay Performance SLc {$56.00} a month to pay off the {$1100.00} dollars then after i have to do the annual recertification by myself til my school loan is forgiven. I find it very funny that i was explained in full how the program works now that i had mentioned i would be getting a lawyer involved. When i initially signed up in 2017 i was told after the contract that my Loan was forgiven. I want out of my contract with everyone i do not need to pay anyone a service fee monthly for 21 months just so they can do a annual recertification 1 time a year. Not to mention the man i spoke to in account services was extremely rude he cut me off every chance he got. His response when i told him that it would of been cheaper for me to pay off my actual loan was thats right, but thats how this contract works. This is a complete rip off and i will be taking this further to the states attorneys office.
BBVA Compass sent another statement that {$150.00} is due on account ending in XXXX. This matter was previously reported to CFPB and BBVA Compass sent word they were removing XXXX XXXX 's name from the card. XXXX 's name was removed, XXXX 's name is the only one listed, but it does not appear BBVA Compass has closed the account. We ask for your help to ensure the account is closed as previously requested over the years since XXXX 's passing. 

The credit card company was contacted to let them know XXXX XXXX passed away in XX/XX/XXXX.  XXXX did not own or have assets at his death in XX/XX/XXXX. The credit card company continued to send bills for XXXX 's card to XXXX XXXX, wife. The card was solely owned by XXXX XXXX, the card did not belong to XXXX XXXX. XXXX made payments based on the fact notices were sent demanding payment. XXXX has not been able to hear over the phone since she was in her early XXXX. She has used hearing aides since she was in her late XXXX. XXXX is now XXXX years old. XXXX had her daughter, power of attorney, contact the Compass Bank, holder of the credit card in XX/XX/XXXX to ask again that the card be cancelled, removed from XXXX 's name, and to terminate requests for payment as the card was not XXXX 's, but her husband 's XXXX. Rather than terminating as requested, BBVA Compass added XXXX 's name to the account without permission and then began unauthorized collection from XXXX XXXX for XXXX XXXX 's credit card. 

Since XXXX 's passing, XXXX has made payments to BBVA Compass in excess of {$12000.00} on an original balance of {$9000.00} owed by her husband XXXX, but not owed by XXXX ( {$86.00} per month minimum payment ). 

We ask CFPB to please help close the account so no further requests are received for payment from either XXXX XXXX ( XXXX years old ) or XXXX XXXX ( deceased XX/XX/XXXX ). 

We understand often credit card companies come after family members to make payments in this manner after a person has died. 

With penalties, interests, and fees that continue to be applied over the 12 years since XXXX XXXX passed, the noted remaining balance is {$3900.00} with request for payment by XX/XX/XXXX. However, the original balance due has long since been paid by XXXX XXXX on behalf of her deceased husband XXXX. 

Please help us to understand if there is anything else needed to terminate the account, the card, and requests for payments.
I disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, XXXX
Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.
There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX  charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points  erroneously. 

Thank you,
I received an email stating that there is a law suit with XXXX XXXX. I am currently enrolled with them as they promised my payments with them would be reduced and it would go towards my loan. However, the law suit is stating otherwise. All the money i have put towards XXXX could potentially being going to the way side. I have been enrolled with them for a year or more.
I received a letter from Hunter Warfield ( XXXX XXXX ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.
Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!
Secured a personal line of credit and personal loan from Key Bank to pay off credit cards. The credit cards were at XXXX XXXX. Key Bank sent a payoff check to XXXX XXXX XXXX, and there was an incorrect account number on the Key Bank payoff check, and so we had to cancel and reissue the check, which took two months, from XX/XX/XXXX to XX/XX/XXXX. Between that time XXXX XXXX   chose to charge interest and late fees, I tried to reason with XXXX XXXX, but they claimed they had no legal obligation to backdate the final correctly labeled check to XX/XX/XXXX given the the first check was incorrect from Key Bank. Key Bank said they would pay the remaining {$140.00} and some change that was the late fees being charge by XXXX XXXX  as a gesture to me a new customer. Key Bank said that they would handle the account from there to close the XXXX XXXX   accounts, and no further action was needed from me.

In XX/XX/XXXX I began receiving phone calls and emails from XXXX XXXX, saying that I had a remaining balance greater than {$400.00}. Saying that I never closed the accounts so therefore they continued to charge late fees and interest. I was very confused given I had been informed by Key Bank that there was a XXXX  balance. I filed with the CFPB for XXXX XXXX, and XXXX XXXX  said that they never received the alleged {$140.00} from Key Bank, and therefore the account was never closed. XXXX XXXX agreed to waive the late fees, acknowledging that this was not a deliberate delinquency.

I then have attempted to contact my local branch repeatedly to get some sort of evidence proving that Key Bank sent the {$140.00} to XXXX XXXX back in XX/XX/XXXX. The manager at my local branch informed me that the amount was sent electronically and therefore there was nothing she could provide for evidence. I have tried calling and emailing the local branch, and asking for contact information for an executive. The local branch has stopped responding to my phone calls and emails at this time.

I need Key Bank to refund to me the {$300.00} that I paid to XXXX XXXX this Spring, the remaining principle, plus interest, minus the waived late fees. I need Key Bank to amend my Credit Report - saying that I was under the false representation that the account was made XXXX, and therefore, the fault lies with Key Bank that my credit score is haggard due to the several transaction mistakes on Key Banks responsibilities.

1. the first check was incorrectly labeled and the subsequent late fees and interest accrued 2. The alleged {$140.00} can not be traced, seen, or acknowledged by either party.

3. Key Bank informed me that they would follow through on the account and that no further action was needed from me to ensure the account was handled properly.