WillisBack/dataset-financial-user-claim huggingface dataset:
Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?
The company is requiring a " cushion '' in my escrow account, which is causing the payment to be much less affordable. Per RESPA guidelines, the company is allowed to implement a cushion comprised of two months of escrow payments, but they are not required to do so. In order to pay my mortgage without undue strain on my finances, I have respectfully requested Wells Fargo waive the requirement as a courtesy. I was continually lied to on the phone by agents of Wells Fargo, who stated that the cushion was required under the law. I advised them this is incorrect, and that it is an internal business decision to require the cushion. My call was escalated to an escalation team, and after speaking with an agent named XXXX, was advised after no contact for two weeks that they flatly denied my request, providing no other reasoning other beyond " other servicers may have different requirements but Wells Fargo requires the cushion. '' I do not dispute that there was an increase in the amount of my escrow obligation, but the requirement of the " cushion '' is not federally mandated, and it is fully within the ability of the company to waive the cushion in order to better accommodate the needs of one of their customers. I have been nothing but respectful in my interactions with the company, and yet now they leave me out to dry. I need assistance so that I can continue to pay my mortgage. I am a first time homebuyer, but have years of experience in the mortgage industry, and it is shameful the way that Wells Fargo treats their customers, especially in light of their XXXX XXXX dollar settlement due to unfair practices. You'd think they would like to help their customers in order to raise their respectability in the public eye, but it turns out that is not the case.
I have a business checking account with PNC Bank. Without my permission or explicit request, PNC added a service called 'Cash Flow Insight ' to my account and charged me {$10.00} per month for this unwanted service. I did contact the bank and request a refund for the service and requested the service to be cancelled. They did both. However, I feel it is important that banks can not add services with corresponding charges to customer 's account without appropriate notification. Using an 'Opt Out ' approach should NEVER be used. Rather, requiring 'Opt In ' for any services that carry service charges should be the requirement.
My checking account was debited {$1600.00} for a debt I did n't owe nor was I responsible for.
My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.
Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my XXXX XXXX account is associate and NOT Wells Fargo. Wells Fargo was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( Wells Fargo NOT XXXX ). I reached out to XXXX and then to Wells Fargo ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. ============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX  CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to Wells Fargo. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, Wells Fargo and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with XXXX, Wells Fargo and XXXX customer service for no fault of mine.
Last 4 of SS # is XXXX XXXX XXXX who I have some accounts with that are past due because of a couple unexpected expenses ( water damage at apartment and personal family issue ) that cost me extra money I really didn't have and caused me to get behind on payments and bills. XXXX calls my cell phone and my daughter 's cell phone ( we don't have a home phone, only cell phone ) constantly especially my daughter 's phone every single day multiple times a day from SO many completely different phone numbers coming from different locations. We don't answer numbers we don't know and we are usually at work when they call. Have looked up the numbers to find they are all comenity and see comments from tons of people saying they get several calls a day too from different numbers and leaving the same exact threatening messages they leave me too. Sometimes they leave a voicemail ( always a different person, same message ) threatening me that an urgent matter has been placed with them and if I don't call by that same day by XXXX then they will be escalating the matter even further but they never do, different people just keep calling and leaving the same exact message again. Has been happening over the past 2 to 3 months. I have sent messages to comenity asking them to please stop calling our numbers and that I am aware of the accounts and that I got behind and will have to make smaller payments right now. They do not comply with my request and continue to call and leave messages constantly. They are trying to annoy and harass people probably until they can't take it anymore and looking up complains, this happens to so many people. I have been so stressed because of money issues etc right now all these people calling are making me more stressed. I wouldn't even want to try and talk to them because I have a feeling they would threaten me when talking to them and I can't deal with that right now. They even called a home number of my ex husband that I haven't been with in over 20 years and left a voicemail for me on his answering machine ( he did the greeting for answering machine so they heard it was man at that resident and not me ). He told and asked my daughter about it and what and why they were calling and she told me, she told him she didn't know. It's embarrassing for them to be contacting and leaving messages for other people that I don't even have contact with or live with. I don't live with any other relatives or spouse, just me and my daughter. Again I told them I can start making smaller payments for right now until I get back on track and can get caught up, at least it will be some kind of payments. They can contact me by email or mail, I just really want and need them to stop calling numbers. It's getting to be way to much, harassing and streasful. I was going to send them written letter but figured they probably still wouldn't stop, I don't know what else to do.
I filed a dispute and the company provided a document that is inaccurate, with an incorrect birthday, the spelling of my name, and no signature ( attached below ). Additionally, the company has not provided me with a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA the company is required to promptly delete all information which can not be verified.
XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit
In early XXXX, USAA restricted my online account access preventing me from viewing all my accounts including my checking account. Since then I have not received an account statement, nor have I been sent any instructions as to how I go about moving the money in that account to another bank. I was notified the account was closed on the phone after it had already been closed, yet have not received any notices in writing as to the cause or reason for this. I have repeatedly asked for an explanation as well as instruction on accessing the money I have there with no response. It is preventing me from paying bills, accessing funds, viewing the account for accuracy or viewing my past statements which were all delivered electronically. Thus I am unable to even view my past statements. Basically USAA has decided to take my funds in my checking account including my social security XXXX check which was being directly deposited into the account. It 's been close to two months now, and they have been no help. I need my money returned and access to view all transactions for the account.
Suntrust Mortgage increased my mortgage payment twice in two months. The second time they did not inform me of the new payment amount until I received a notice saying that unless I Payed the extra amount I would be reported to the financial bureau for non payment
There are several remarks listed on credit which do not belong there. No verification is obtainable and the following remarks need to be removedState Tax lien # XXXX XXXX # XXXX Outdated and inaccurate all XXXX XXXX accounts are open and active and paid on timeXXXX XXXX XXXX Inaccurate and needs to be removedXXXX XXXX XXXX XXXX Unknown and no such debt owedXXXX XXXX XXXX Unknown and tried to request verification nothing is obtainableI want the above removed off of my Experian credit file
I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.
On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy protection in the state of Kansas. As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was discharged. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was discharged as such. Despite being discharged, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XX/XX/XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.
When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.
I opened a no fee checking account with Bank of America some time in XXXX, based on the condition that I don't use the teller / bank-walk-in facilities and I get my statements by email only, while I can use online banking and ATM for doing transactions. It was good all these years until they suddenly charged me XXXX $ fee on XX/XX/XXXX. Since I was honoring all the conditions set by bank till XX/XX/XXXX, I didn't notice the inside details of the statements Bank of America sent through email. Coincidentally in the month of XXXX I logged in the bank account and noticed XXXX $ fee because I didn't maintain XXXX $ minimum balance and they have abandoned the e-checking account or no-fee online only checking account, which I was not aware of. 

When a significant change of this sort is being implemented by Bank of america, I would have expected them to send a letter through mail not just mentioning it in the email statement! which missed my attention because I trusted in Bank of America that they will continue to have the facility they provided initially when I opened the checking account. 

So in total they charged me XXXX $ monthly fee for two months i.e for XXXX month which I was totally unaware of and for XXXX month, when I logged in the account and became aware of the new rule. As soon as I was aware of this, I made sure that I maintained XXXX $ minimum balance by transferring external funds. 

It is totally unethical by the bank to charge the customer by not informing about the new changes they did by proper means of letter through Mail. 

I kindly request you to take this with bank and refund my XXXX $ fee collected by them.
Equifax Breach lasting from mid-XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold. 

The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
On XX/XX/2018 I wrote to SYNCB/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote SYNCB/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.