WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.
A XXXX XXXX account is being reported on my credit file on both XXXX and TransUnion reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX  is using to validate my information as reported by XXXX. 

I've disputed it with XXXX, TransUnion and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
On XXXX of this year I observed XXXX XXXX XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX XXXX XXXX XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX XXXX XXXX and on XXXX I received a letter ( attached )  requesting that Equifax remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )
Attorney Javitch Block, LLC, XXXX XXXX XXXX, XXXX XXXX., XXXX , XXXX, XXXX, XXXX, ext. XXXX, purchased my loan ( from the attorney who took the case to court ), the lender, XXXX XXXX got a verdict on it a few years back. Attorney Javitch Block got ownership of the loan when the Certification of Service was signed by a judge in the State of XXXX Circuit Court in XXXX 2015. I received a copy of that Certification from the court by mail. That is the only way that I knew of the transfer. I was making payments on the loan when ownership was transferred and I am still making payments. Atty. XXXX has not contacted me. I have contacted his office on numerous occasions to inquire of what my balance is so that I can determine if it is correct. They tell me that they do n't have my balance because they have not received it from the attorney whom they bought it from and can not tell me when they will have that information. What they have told me, to include managers XXXX XXXX and XXXX XXXX is that they received numerous cases from that attorney and do n't know when they will get the balance and payment information on my case from them. XXXX did divulge the fact to me that they are not allowed by law to contact me in writing until they have a balance to include in the contact letter. XXXX did assure me the last time that we spoke ( XXXX XXXX ) that he would send an XXXX XXXX XXXX to the attorney. He also told me that since they have had the case no interest or fees are accruing on my account. PLEASE CONTACT ATTORNEY XXXX XXXX AND ASK HIM TO SEND ME IMMEDIATELY THE BALANCE AND PAYMENT HISTORY ON MY CASE/ACCOUNT. Surely, there is a time span in which they must provide that information to the debtor once they have acquired the case according to a court preceding. Please inform me of what that time span is. Thank you, XXXX XXXX XXXX
I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled
I did reported to chase credit company that my credit card was stolen and being a fraud charge for {$720.00} to XXXX XXXX in XX/XX/XXXX. 

The Chase company did closed my account and send me a new cared with a new credit number. 

The amount XXXX dollars was clear at that time but it came back to my account at XX/XX/XXXX, I tried to call the Chase many times but nobody can resolve my problem.
The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX XXXX Experian
I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this.
XXXX XXXX XXXX sent my accounts to collections to XXXX, even though I was regularly paying. XXXX  robocalls me every 2 hours, starting at ~XXXX going through XXXX or XXXX, asking me to call in. I have called and asked them to stop months ago but they have not. They also spoof their number with other local numbers.
I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.
Complaint against : Access Receivables on behalf of XXXX XXXX  -XX/XX/XXXX Access attempted to collect a debt from online XXXX XXXX amount owed. XXXX XXXX, employee settled the account for@XXXX as debt paid and final. 
-XX/XX/XXXX months later, XXXX XXXX begins calling 2-3x/week stating she was a new employee to access receivables and she mistakenly settled the account for too low of an amount and was requesting additional {$500.00}. I requested to speak to a manager, transferred to team leader XXXX XXXX who stated they would not honor settlement agreement. I requested to speak to supervisor and was sent to Supervisor, XXXX ( or XXXX ) XXXX. I left distressed voicemail that company was not honoring their agreement and it wasnot my fault that a " new employee '' made a mistake and is attempting to collect more 2 months after the fact. NOT fair business practice. 
-XX/XX/XXXX, I called back to speak with XXXX XXXX and spoke with XXXX ( XXXX ) who took my detail complaint and was going to submit to supervisor. 
-XX/XX/XXXX I called to request to speak with XXXX XXXX , company hung up on me. 
-XX/XX/XXXX I called to speak XXXX XXXX . I was hung up on. 
-XX/XX/XXXX Called back and asked for XXXX XXXX , she was  rude and stated they would not honor settlement agreement. I requested to speak to XXXX 's supervisor. She refused and then stated she would negotiate for {$110.00}. I declined stating that debt was paid and I owe nothing. I requested that XXXX contact the university. XXXX finally agreed to contact corporate and acknowledged that new employee made mistake and they were not honoring agreement. 
XX/XX/XXXX I spoke to XXXX XXXX, financial aid advisor for XXXX XXXX. She emailed me 50/50 match settlement of {$150.00}. I asked for time to get reply from XXXX XXXX -XX/XX/XXXX through XX/XX/XXXX, I did not get response from XXXX XXXX . 
XX/XX/XXXX Called for f/u on settlement agreement. I was informed that original agreement will not be honored XX/XX/XXXX I emailed XXXX XXXX, XXXX XXXX financial aid advisor, and I agreed to email settlement of {$150.00}. 
XX/XX/XXXX resent email to XXXX XXXX and I was informed that financial aid would no longer honor the agreement and recommended I keep working with access receivables to negotiate new settlement. 
XX/XX/XXXX Left voicemail for XXXX XXXX. 
XX/XX/XXXX I called to f/u with XXXX. XXXX XXXX informed me that XXXX has been on vacation so he f/u with XXXX 's supervisor XXXX XXXX who related to XXXX that agreement will not be honored and owe {$500.00}. I told XXXX that I had written proof that XXXX XXXX was willing to settle for {$150.00} and requested they honor this at least. XXXX requested I email him the settlement email and he would pass it along to supervisor. I emailed XXXX the settlement offer from XXXX XXXX. XXXX wouldn't confirm if he had received email. I called access receivables and XXXX confirmed he received email. 
XX/XX/XXXX I called XXXX and their was no response. I emailed XXXX again with email settlement. No response. 
XX/XX/XXXX Received letter from access receivables threatening to ruin my credit by reporting debt to credit bureaus. 
XX/XX/XXXX I am submitting this complaint.
I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016
XXXX XXXX XXXX  ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.
First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.
When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX  ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX ( XXXX   XXXX XXXX ).
Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I truly can't see myself writing this letter in regards to my credit card being deny by XXXX XXXX XXXX. After many years and products and service with XXXX XXXX. I can say XXXX XXXX has over 10+ accts of mine. Not excluding at least 5+ auto loans paid well. H/E loan paid off. Many PL paid off. 100 % of mine and XXXX my kids accts. Not one time 10+ yrs have we been never late with many credit accts or debit accts. My issues is that I open an credit card with XXXX XXXX many yrs ago and added my wife to the card. recently her business partner stole $ XXXX from her LOC and she had no choice to file BK # XXXX. So with her being added to my XXXX cc, I understand 100 % why they closed it. So i applied for a new one under my name again to replace the closed $ XXXX XXXX credit with no balance and very rare used it only for monthly deducts for my home insurance. I called the XXXX XXXX XXXX and spoke to the XXXX dept. and advised the entire case. The XXXX was very understandable and he told me that he would send it for a second review and he saw the entire case vert well and was worth 100 % approval. So XXXX XXXX XXXX : deny me for the reason attached to the letter. Sorry I have contacted XXXX per the letter and XXXX gave me my CR and i do not see how they got that information.
In XX/XX/XXXX, my XXXX Aunt went into her Astoria Federal local branch in XXXX. She had XXXX CD 's that were maturing in XXXX. I do not know how they convinced her, but she was guided to the " investment desk '' and met with XXXX who convinced her to take XXXX CD for approximately {$12000.00} and an IRA CD worth about {$14000.00} and put them into tax deferred annuities with 7 year surrender charges! There is no justification for this " transfer '' since the annuties are not paying more than the CD 's were, and now she ca n't get at her money without a huge Surrender charge which is currently 6 %. Not only that, but they did not even wait the 1 month until the CD 's matured and it cost her roughly {$60.00} in " penalties '' for breaking the CD. Why not wait 1 month so she would not have to pay an extra {$60.00}? The answer is GREED and COMMISSIONS. 
This lady was taken advantage of, and now has financial problems not being able to access her money. Then in XXXX, she went to XXXX bank in Astoria and worked with XXXX and they took her out of an IRA annuity with XXXX paying 2.75 % and put her into an immediate payout annuity with Principal that is paying a 1.8 % interest rate. On the Regulation 60 paperwork, they put down that the reason for the transfer was " need for income '', their reason that the XXXX contract could not satisfy the need was " this is a fixed annuity ''. Well a fixed annuity can be annuitized to satisfy the income need, and since it was an older contract, likely would pay out at a higher rate. Again, they did this for commissions. They did not have the best interest of the client in mind. Also in the suitability section of the application they put her investment time horizon as " more than 10 years ''. What XXXX has that investment time horizon? 
This is a horrible example of banks taking advantage of senior citizens.
Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.
XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ),  on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?