WillisBack/dataset-financial-user-claim huggingface dataset:
I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.
I consolidate ALL of my student loans XX/XX/2015 and was previously with XXXX. I had an outstanding loan with XXXX College which was paid in full once my loans were consolidated. For some reason XXXX is still reporting negatively on my credit reports. Now that my loans have been consolidated with FedLoan, I was advised to apply for an Income based repayment plan which resulted in over {$800.00} a month which is not financially feasible for my family size and monthly financial obligations. Is there something that can be done. I am trying desperately to clean my credit and these loans are out of control at this point.
I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
XXXX XXXX, XXXX. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
On XXXX/XXXX/2015 XXXX XXXX Equifax reported that XXXX remove a debit on my credit in the amount of {$3000.00}, Then after checking my credit report I notice Diversified had recycled the debt on XXXX/XXXX/2015 in the amount oh {$3000.00} I do n't feel this way doe doing business is fair or correct, as long as the the debt is being sold ther will never be an experationa date.
XXXX   XXXX  is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans tha t   XXXX   XXXX    is reporting on  my credit report. If  XXXX   XXXX  can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to  XXXX   XXXX  in regards to this issue but have yet to receive a response.  <P/><P/>  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  , PA   XXXX   This  letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.  <P/> Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I have  the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required unde  r Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be   promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.  <P/> I demand the following account be properly verified or removed immediately.  <P/> NameofAccount : Date Reported : ProvidePhysicalProofofVerification :  XXXX   XXXX  {$46000.00}    XXXX   XXXX   XXXX   Unv erified Account
I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher. 

The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.
I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.
I received a letter in XXXX XXXX from Columbia Collections. It said that I owed money for my ex-husband 's hospital stay in XXXX of XXXX. I told them that it was the first I heard about it, but they said they called me once in XXXX, and I told them that I was getting divorced and was not responsible for my ex-husband 's bill. They said okay and did n't contact me again for ~ 2 years. When I got the letter in XXXX of XXXX and they explained that I was responsible, I paid it right away. I now have a mark on my credit report, which lowers my credit score. I do n't feel that I was notified properly.
I signed up for automatic payments to be deducted from my bank account. I received a confirmation email on XX/XX/18 that this had been established and nothing else would be necessary. Some time later ( in XX/XX/XXXX ) I found out that the XX/XX/XXXX and XX/XX/XXXX payments had not been withdrawn and that my account was delinquent. I made both payments at that time. My credit report now shows missed payments with a significant impact on my credit score. 

When I contacted the bank they suggested I send a letter to a P.O.   explaining the problem. Which I did.
I noticed a collection account on my credit from Midland Credit Management or Midland Funding. I did n't know what the account was for so I contacted them by way of certified mail 3 times and I never heard back from them until I filed a complaint. 

I am writing to you again because I have not had a account with the original creditor which is XXXX. I am dealing with them directly along with another government agency. 

I am writing you because I need for the harassment to stop. They never contacted me before placing the unknown account of my credit, now that I have filed a complaint against them they are sending me letters. I will take legal action if the harassment continues or if the unknown entry remains or is re-inserted to my credit.
XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.
Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Hi, I applied for student loans in XXXX of 2008 to start classes at university XXXX. I proceeded to go on for 2 years applying for loan after loan to cover the cost of the school. After I graduated with a degree in XXXX ( which does n't account for anything ) Navient started right away with the phone calls about repaying the loans. I have been back and forth with them about forbearance and income driven repayment plans. I keep calling and trying to talk to someone and they give me the run around about how to go about affording something other than {$500.00} a month. So now I have a degree ( that 's probably as good as working at XXXX ) that got me no where and {$33000.00} in student loan debt. If you are here for your costumers then prove it.
This is my second letter to the CFPB regarding the same issue with Bank of America. Bank of America purposefully, did not address the specific questions asked in my initial letter dated XX/XX/XXXX ; therefore, the issues remain unresolved. I need Bank of America to answer EACH of the following questions regarding the mortgage account # XXXX : 1. Why has BOA allow XXXX days to pass from the date they were eligible to proceed with judgement ( XX/XX/XXXX ) to the date the judgment was recently filed ( XX/XX/XXXX )? For what reason did BOA wait XXXX days to file the judgement? 
2.Why did BOA never respond to my written inquiry on XX/XX/XXXX ( mailed to XXXX FL, XXXX ). This is a violation on RESPA, and was never addressed. 
3. Why did BOA charge my mortgage account 19 times for the same property inspection fee on XX/XX/XXXX? This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ) 4.On XX/XX/XXXX, Superior Court of Delaware issued a letter indicating they were going to dismiss the foreclosure case due to lack of judgment entered. Was BOA aware that this foreclosure case was about to be dismissed for lack of follow up with their vendor attorney? 
5. On what dates did BOA follow up with XXXX for a foreclosure case updated? List all dates. 
6. Did BOA receive a copy of the superior court letter from XX/XX/XXXX? 
7. For what reason did BOA file an amended foreclosure complaint on XX/XX/XXXX? 
8. Why was the correct mortgage rate not calculated per the loan agreement ( in the foreclosure complaint )? Your response indicated " your research has uncovered no reasonable factual basis to substantiate your claim ''. Allow me to clarify ; in the amended complaint, BOA charged all interest at a rate of 3 %, which was incorrect because a portion of the interest was at 2 % and another portion was to be at 3 % according to the terms of the HAMP modification. Additionally, your employee XXXX signed off on the affidavit asserting he had reviewed the account and the amounts calculated were factual. This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ), UNFAIR PRACTICES, " the false representation of the character, amount or legal status of any debt '' and FDCPA 15 USC 1692f ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' 9. What date did BOA file and pay the required mortgage mediation fee? 
10. What exactly is BOA doing to expedite the foreclosure? Please provide detail, dates, etc. 
Please be advised this is my second request and I will continue to escalate this matter and write to the CFPB until each and every one of my questions is answered.
On XXXX XXXX, 2016 I disputed an inaccurately reported account with all XXXX credit bureaus, TransUnionXXXX via online and also with the creditor via US Mail on XXXX XXXX, 2016, with XXXX XXXX. It has been more than 30 days and it was just reported today, XXXX XXXX, 2016 as still derogatory. It previously stated that it was being reinvestigated and I never seen any results of the said investigation. I believe that XXXX broke the law by not properly reporting their findings to me, the consumer, yet they did to the Credit Bureaus. This company is notorious for not responding within the 30 day time frame.
I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.
The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.
I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning
To Whom This May Concern : Upon reviewing my Experian account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 22 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 22 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate XXXX respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.
On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from XXXX ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of XXXX. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however XXXX remained, claiming it was verified. On that same date, I also contacted XXXX and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to XXXX giving them authority. XXXX has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX  directing them to remove the XXXX account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the XXXX account. 

On XX/XX/XXXX I faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the XXXX account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from XXXX any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the XXXX account must be removed from my credit file.
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a 100 % XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX  XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX