WillisBack/dataset-financial-user-claim huggingface dataset:
Notwithstanding your instruction above, in the interest of brevity and efficiency, the attention of CFPB is invited and directed to CFPB Complaint # XXXX dated XX/XX/XXXX versus " XXXX XXXX XXXX , XXXX '' of XXXX, OR. ( " XXXX '' ; " the Complaint '' ). 

The underlying referenced matter was a disputed claim for services by " XXXX ( OR ) XXXX XXXX XXXX ( XXXX ' ) - Claim for Services Acct. # XXXX - XXXX XXXX '' XXXX 's claim was denied by XXXX XXXX to XXXX by Certified Letter dated XX/XX/XXXX. 

Consequent to the Complaint and the actions taken on my behalf by CFPB, the wrongful debt collection reporting was immediately and satisfactorily removed from my XXXX  and XXXX   credit bureau reports in XX/XX/XXXX. No additional credit collection activity or reporting has been engaged by either XXXX or XXXX  in this matter. However ~ and only now in XX/XX/XXXX ~ has it come to my attention that the collection reporting was never removed from the TransUnion credit bureau report and wrongfully remains there today with consequent prejudice to me.
Applied for citigold checking account with promotional code XXXX before XXXX/XXXX/15 which entitles me to XXXX XXXX aadvantage points if I used the accounts in a certain way. " Then, within 60 days after account opening : the required minimum amount of purchases using the Citibank ( R ) Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I met all qualifications, but Citibank denied me the aadvantage points. They claim that because the offer promo was not sent to me that they do n't have to send me the miles. However, I was allowed to open the account online and the documentation received when the account was opened online indicated that I was eligible : " This offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who receive this communication. Offers for new consumer checking customers only, XXXX years or older. '' I have an aadvantage card, am a new checking customer, and am older than XXXX. It did not include any indication that the promotion was not valid for me.
I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX
On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XX/XX/XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX   that the late payment was removed from my report - but did not hear back from XXXX, and when I reviewed my credit from XXXX ( a XXXX credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.
XXXX XXXX keeps calling and emailing me saying I owe money to them and if I don't pay I am going to jail. I am not familiar with this company.
In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.
As previously complained of in CFPB complaint # XXXX closed XX/XX/XXXX, as well as CFPB complaint # XXXX, closed XX/XX/XXXX- American Express BlueBird XXXX has again closed my account this day XX/XX/XXXX, allegedly under BMA section 22D again. This pattern of BlueBird arbitrary closing my account has not been explained except for the phrase : " feedback has been provided to the appropriate parties regarding this matter '', but yet this behavior continues to happen about every thirty 30 days. Being a service-connected XXXX & otherwise homeless U.S. Veteran, I must have confidence in the ability to access the little funds I do have. If I am violating the BMA, I should be told with specification on how and when this occurs. If BlueBird simply does not want me to have an account, they should tell me so that I can make other arrangements for prepaid services ; rather than leaving the impression... " the appropriate parties '' have been provided feedback regarding this " re-peated matter ''. In view of my pervious CFPB complaints, it seems that I am being personally targetted with this " account-closing harassment, '' for unspecified reasons.
Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
I settled XXXX CitiBank accounts with XXXX XXXX XXXX back in XXXX 2007. I attached proof of the settlement. But every time I dispute the balance on my credit report, it comes back verified. Therefore, I need this account to be deleted from my credit report for reporting inaccurate information that was clearly not verified or an investigation done. I am including a screen shot of what my credit report looks like on XXXX through XXXX.
DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!
I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.
XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.
I had deposited a check for the amount of {$25000.00} in my checking account with the XXXX XXXX XXXX on XX/XX/2018. My check was cleared by XXXX XXXX  overnight, XXXX XXXX XXXX has illegally withheld my money from withdrawing, and told me that it will be available on XXXX XXXX, when I tried to access my funds on XX/XX/2018 I was told it's pending posting to my account and will be available next day, I am appalled at the dishonest business practices of XXXX XXXX XXXX Management, as an honest banker they should have made my funds available to me as of XX/XX/2018, this dishonest action of the XXXX XXXX XXXX amounts to stealing my deposited funds and using them for their own benefits and making false promises as to when my money will be available for my use. As of the date of this compliant I have no access to my funds, I intend to file a civil action against XXXX XXXX XXXX for their dishonest actions. I have contacted the XXXXXXXX XXXX on XX/XX/2018 at XXXX California time, and the agent I spoke with instead of addressing the issue of my funds availability, had put me on 20 minute hold and then hung up on me.

I hereby request you to sanction and fine XXXX XXXX XXXX as permitted by the Federal law.
I check my credit report regularly. Today I saw a notice that I had been hit with a 30 day late payment for a previous auto lease ( over 11 months old ) with Honda. I checked my online account, and saw that there was a charge of {$38.00} for one month 's worth of property tax due to Honda. I had closed that account as I leased another car with Honda. I paid my final payments. I even paid the property tax for my new Accord a few months later. I received no notification, no correspondence, no phone call regarding any additional property tax due. Instead, I have a negative mark on my credit report now, which can not be removed according to the Honda representative I talked to shortly after immediately making my payment. She inferred that I had dodged calls and correspondence for this charge. I would never dodge a payment. There is no circumstance in which I would ever evade calls from accounts to which I owe money. 
I am disgusted that even after paying the account, nothing can be done to correct the credit report which denotes that I am now 30 days late on an auto lease no longer in my name.
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with XXXX XXXX XXXX, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX, XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX 's recent breach caused major concern ). The representative stated that this debt opened in XX/XX/XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XX/XX/XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Transunion has put a negative statement on one of my accounts. The account in question was a refinance of an existing account. Instead of stating that. Transunion said my account balance increased as if it was a bad thing.
I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.
This is in reference to  Bank of America loan  account number  XXXX . My complaint is against Bank  of America in  the mishandling of my loan over the past 3 years. On  XX/XX/XXXX  I was approached by Bank  of America  to have my loan refinanced under the HAMP program. During the refiance process Ban k of  America required I have flood insurance on this property in which I had not paid during the previous 9 years. Ban k of America the n sent me an immediate requirement to pay flood insurance or have lender placed insurance secured. I could not afford the {$3500.00} per year flood insurance outside from lender placed insurance and therefore was forced to pay {$3200.00} per year lender placed insurance. I. turn, Ban k of America refu sed to refinance for a more affordable payment. My payments increased {$300.00} per month which placed a financial hardship on me and my family.   On  XX/XX/XXXX , Bank  of America d id not pay the full real estate taxes on this property which placed the property into a real estate tax sale auction. On  XX/XX/XXXX , Ba nk of America fou nd their mistake and paid the arrears real estate taxes of {$5000.00}. On  XX/XX/XXXX , Bank  of America ha s notified me of my payment to increase {$400.00} per month, which will further place undue financial hardship in my ability to pay this mortgage payment.
My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.
I was looking for a furnished apartment in XXXX to rent for summer. We are a military family and are being moved to XXXX so we wanted to spend summer in our hometown - XXXX XXXX, XXXX. I saw a furnished apt through XXXX and contacted the owner. He said he would rent me the apartment through an agency ( XXXX XXXX XXXX - using the XXXX logo ). He asked me to wire 1 month rent and 1 month deposit for a total of {$1300.00} plus {$100.00} to wire the money for a total of {$1400.00}. Since the transaction, I have not had any kind of answer from him or the supposed XXXX agency. I believe this is a scam I called Western Union but was told they could do nothing because the money had already been transferred and taken in XXXX, XXXX on XXXX/XXXX/2015. 
Please help us.
On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.
Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.
I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX  account number XXXX in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt. The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, XXXX, Equifax, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.