WillisBack/dataset-financial-user-claim huggingface dataset:
I had a ( NFCU ) Navy Federal Credit Union GoRewards Master Card that I open in XX/XX/XXXX and had enrolled in their Payment Protection Plan sold and enrolled by ( NFCU ) Navy Federal Credit Union and administrator by XXXX XXXX XXXX in XX/XX/XXXX and had maintain coverage during the life of the account the cost for coverage was {$.00} per every {$100.00} of the monthly balance. The program was sold as a insurance program offered by NFCU that covered death, disability, and or involuntary unemployment. Details are that this coverage would make the monthly payments during the coverage event and its duration and would pay off the account balance as a full debit cancellation in the event of death and or disability. 

In XX/XX/XXXX I was involved in an auto accident that caused me to become XXXX and unable to work and return to work I was on XXXX  and XXXX  until XXXX XXXX and Under Social Security Administration I was deemed XXXX XXXX XXXX XXXX and because eligible for  XXXX benefits. XXXX had some delays in benefits award and payment and wasn't resolved until XX/XX/XXXX. 

XX/XX/XXXX I initiated the claim and again resubmitted medical information on XX/XX/XXXX for that claim. I had file a claim through NFCU and its payment protection plan serviced by XXXX. According to some records, XXXX and NFCU applied some payments under the plan that were in consisted with their payments and coverage from XX/XX/XXXX to XX/XX/XXXX and then close the claim with no reason and in breach of the terms and conditions and coverage that was offered. NFCU further the breach of this sold and paid for service by pursing addition financial account charges and fees in addition to the negative reporting of the account and collection reporting and actions on this account when it was a coverage event under the terms it was sold and purchase to me and the debit was to be canceled by NFCU and XXXX  under the XXXX debit cancellation coverage program. 

NFCU and XXXX failed to provide the service sold and purchase under this plan, coverage, and benefit for cardholders and members. Which is not only a break in contract but also a violation under the Fair Credit Reporting Act ( Reporting Inaccurate Information ), the consumer protection act ( Providing a level of protection as their customer, and being billed for services that are not being render ), fair debit collection practice act ( Collection on a debit that isn't correct ), Fair Credit Billing Act ( Billing and Charge for services that were not fully render as agree ) and possible other regulations. 

This issue has gone unresolved and the debit has yet to be cancel as per the terms of the program. 

I have some supporting documentation to provide in regards to this matter.
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
HP Sears has reported a debt that does n't belong to me to all three credit bureaus, and has failed to validate or delete the debt. I sent a certified letter by mail in XX/XX/XXXX and then again in XX/XX/XXXX and as of today they have not responded. the alleged debt was said to be opened on X/X/2017 for XXXX for services rendered at XXXX XXXX.
5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.
I have had a savings and checking account with Bank of America for many years. XXXX accounts were opened because they were free with direct deposit of my XXXX XXXX check monthly. Now as of last month, suddenly BoA wants to charge a {$5.00} fee if my savings account balance goes below {$25.00} at any time during the month. 
It 's bad enough that they pay no interest for a savings account, but now they want to charge a " maintenance fee '' if I do n't retain a minimum balance? What maintenance? I do all my banking online and they already restrict how many times you can transfer money from savings to your checking account each month. I do not believe this is legal or at least false advertising, they got me to open these accounts by offering them free and now they want to add bogus fees?
I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. XXXX and Equifax have not cleared the inquiries or wrote me. To tell do the room.
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.
I contacted capital one numerous times. I disputed these fraudulent inquiries 4 times with XXXX, XXXX and XXXX. I contacted the cfpd and asked your company to investigate this. 

I really need help removing fraudulent information that is being reported incorrectly on my credit report. 

Capital one told the CFPB that thy investigated this and only found that 2 of the inquiries were fraudulent and the rest were validated. What human being in their right mind would apply for credit from the same time this many times? None, no one. 

All these inquiries should be removed immediately. They know these inquiries are not mine. They know someone is contacting their company pretending to be me. So why won't they remove all of this information from their files and my credit report. 

I asked them for signed contracts, documented proof and validation. They failed to provide me any of it. 

How did they verify the rest of the inquiries and what is different between the two that were fraudulent and the rest that were not. 

Theses are illegal, they are violations.
I made clearly marked Principal Payments in addition to my monthly payments. The principal payments were applied incorrectly. Now they sold the loan and did not give proper credit, and included the odd balance of money applied as a fee. 
Bank of America payment of {$440.00} XXXX of every month. XX/XX/2018 made a principal payment of {$400.00}. It was credited as short {$48.00} for XX/XX/XXXX payment. Also noted on XX/XX/2018 " Short  Pmt Advance- Interest '' and CHARGED me {$48.00} extra as interest. I called, they tried to correct this, then same thing happened with XX/XX/XXXX. Now they sold the mortgage to XXXX XXXX XXXX with no correction on the principal credits. They still calculated interest. And they also have extra money of mine and still transfered the loan with a " FEE DUE, {$48.00}. '' This is Bank of Americas XXXX up, and they need to give proper credit at the times payments were made, back out the interest, send a correction to XXXX XXXX  and me. 
-I was also locked out of my account and can not give a print out of XX/XX/XXXX to B.O.A., though I can produce proof of payments from my credit union.
on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.
In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?
I have disputed an account with Experian numerous times and the continue to display inaccurate account and information about a old XXXX fraud account that should not even be on my report since it was settled and debt canceled and XXXX agreed to remove after canceling debt. The account has been removed from other credit reports but Experian refuses to remove account even though its inaccurate and I have supporting documents from XXXX.
I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.
I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!
I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully XXXX XXXX XXXX.
My wife and I were interested in getting a mortgage. We are working to improve our credit. I spoke with a loan officer, XXXX XXXX. He assured me he would not pull my credit report as I was only interested in him looking at my income while i repaired my credit. He asked for my tax returns so he could understand my income better. He used my social security number from my tax return and pulled my credit. I believe Amerifirst home mortgage has violated : 1681d. Disclosure of investigative consumer reports of the fair credit reporting act.
XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT
XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them
I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!
this mechanism has been designed to inform you that in 2009 my Mortgage Company was with XXXX in which I had XXXX predatory lenders on my mortgage account with a interest rate of 9.5 percent yes it is very high. XXXX XXXX was brought out by XXXX XXXX XXXX who has continue to still have these predotory lenders on my account with the same high interest rate of 9.5 percent. Under the Obama Administration in 2009 he said that there should not be any predatory lenders on nobody loans. There are also XXXX on my loan in which they were never registered in my county board of records. SPS is now the services for XXXX. I have submitted at least XXXX documents to them for a modification. I need you to look into this matter at your earliest convenience. Thank you
I 'm still making payments to the Debt Collection service that I 'm using, while this is not the first time I 've got calls like this.
I correct name XXXX XXXX XXXX on Equifax fraud alert report. 
My correct name is XXXX XXXX.
I took out an online loan for {$800.00} but I some hardships and was n't able to repay it completely. The payday loan company later sold the debt to another company. The company 's name is " XXXX XXXX XXXX XXXX '', they have been calling me since the first week of XXXX XXXX and my family members with threatening voicemails about me being summoned and that they will sue me. I called the original creditor and they told me that they do n't have knowledge of these type of practices and that the XXXX XXXX XXXX XXXX should not be threatening me which such actions. I am guessing they have collected family relatives information from online sources and that is completely unacceptable and unethical and has brought distress to myself and family.
On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. 

This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience.
I failed to make my monthly payment with PayPal Credit, and as a result they sent my account to their collections department. Once my account was in their collections department, I began receiving three calls per day. After XXXX3 days, even though I was in a meeting, I took their call and arrange the payment to be scheduled. I did this soley because I wanted the phone calls 3 times per day to stop. When I answered their 3rd phone call today, no one was on the line and the call was disconnected, so I called back. I spoke with XXXX different representatives, XXXX of them was a supervisor. XXXX of the non-supervisors I spoke to asked if I wanted to placed on their cease and desist call list. I told him that that was n't necessary as I appreciated the follow up on the occasions where I forgot to make a payment. I further explained that my unhappiness with the phone calls was because I was called three times per day which I was annoyed with and felt harassed by. I informed the supervisor that I spoke with of the same sentiments and also informed him that I would be submitting a complaint with the CFPB. He said that he would notate my complaint.
I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX-XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both Equifax and XXXX. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX 's report.
I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
My information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.